IHG Premier Enterprise Credit score Card overview: The annual charge is justified

The IHG One Rewards Premier Enterprise Credit score Card affords ample perks that, if utilized, can simply justify the cardboard’s annual charge of $99. Nonetheless, enterprise homeowners who aren’t loyal to IHG One Rewards could also be higher off with one other enterprise card. Card Score*: ⭐⭐⭐⭐

*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Contemplating that the IHG One  Rewards Premier Enterprise Credit score Card has an annual charge of solely $99, it affords many perks for vacationers and small-business homeowners who continuously stick with IHG. In comparison with different hotel-branded enterprise bank cards, the IHG Premier Enterprise card has one of many lowest annual charges and should show engaging merely for that motive.

Advantages embody computerized Platinum Elite standing so long as you are a cardholder, a singular fourth-night-free reward perk when redeeming factors for resort stays and a priceless welcome bonus. One key perk — the free night time certificates acquired annually — can simply cowl the annual charge on the IHG Premier Enterprise card. We suggest a credit score rating of at the very least 670 to be authorized for this card.

Let us take a look at the small print of the IHG Premier Enterprise card to see if it is proper in your firm.

Associated: Who qualifies for a enterprise bank card?

New candidates for the IHG One Premier Enterprise card can earn as much as 200,000 factors: 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening and one other 60,000 bonus factors after spending a complete of $9,000 within the first six months from account opening.

Your bonus will come within the type of IHG factors, that are value 0.5 cents every in accordance with TPG’s March 2025 valuations. Thus, this bonus is value as much as $1,000.

This is likely one of the highest affords we have seen on this card. The standard supply is about 140,000 bonus factors (value $700, in accordance with TPG’s March 2025 valuations), so the present elevated bonus is one to leap on.

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It is value noting there’s a warning on the appliance web page that you’re not eligible for this bonus if you happen to’ve acquired a welcome bonus on this card throughout the previous 24 months.

This card is good for Chase clients underneath 5/24. Whereas most enterprise bank cards is not going to have an effect on your 5/24 standing, you do must be underneath 5/24 to use.

Associated: Methods to observe your progress towards a bank card welcome bonus

The IHG One Premier Enterprise card has a modest $99 annual charge, however is it value it? The cardboard’s worth is determined by whether or not you may use its advantages continuously sufficient to justify that annual charge.

First, in your cardmember anniversary annually (beginning on the one-year mark and persevering with annually after that, for so long as you retain the account open), you may obtain a free night time award legitimate for a single night time, value as much as 40,000 factors.

Cardholders additionally robotically get pleasure from IHG One Rewards Platinum Elite standing, so long as their account stays open. Platinum members obtain 60% bonus earnings on paid stays booked straight with IHG One Rewards, space-available room upgrades, a welcome amenity (within the type of factors or a drink/snack) and a handful of different perks.

These all for incomes top-tier Diamond Elite standing can attain this by spending $40,000 on the cardboard in a calendar yr. After assembly the spending threshold, the standing is legitimate via Dec. 31 of the next yr.

You will additionally pay zero factors for each fourth night time when redeeming IHG factors for stays of 4 nights or longer. That is an computerized perk that’s mirrored when reserving. That is basically a 25% low cost on stays of precisely 4 nights, so it is a good way to get much more worth out of the cardboard.

That mentioned, if you happen to not often redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.

Every calendar yr you spend $20,000, you may earn 10,000 bonus factors and a $100 assertion credit score. TPG’s March 2025 valuations peg these bonus factors at $50, which interprets to a complete worth of $150 with the assertion credit score.

IHG Premier Enterprise cardholders have a handful of different perks to make the most of once you swipe your card:

• TSAPrecheck/World Entry utility charge credit score: You might be reimbursed as much as $120 each 4 years once you cost a World Entry, TSA PreCheck or Nexus utility charge to your card.
• Save 20% on the acquisition of IHG factors once you pay together with your card.
• As much as $50 in United Airways TravelBank money every calendar yr once you register your IHG One Premier card together with your MileagePlus account.
• Auto rental collision harm waiver: While you decline the rental firm’s collision insurance coverage and cost the complete rental price to your card, you may get protection towards theft and collision. Protection is secondary when renting throughout the U.S., however main when renting for enterprise functions.
• Journey cancellation and journey interruption insurance coverage: You might be reimbursed as much as $1,500 per individual and as much as $6,000 per journey for pay as you go, nonrefundable journey bills in case your journey is canceled or lower quick for a lined motive.
• Buy safety: Your new purchases are lined for 120 days towards harm or theft. There’s a restrict of $10,000 per declare and as much as $50,000 per account.

These advantages might be good to have when issues go unsuitable.

Usually, you will not get improbable incomes charges on most resort bank cards — particularly on broad classes like eating and groceries. That mentioned, the IHG One Premier Enterprise card may very well be a strong possibility, particularly at taking part IHG properties.

While you use your card at IHG motels and resorts, you may earn 10 factors per greenback spent in your keep. That is along with the ten base factors that every one IHG One Rewards members accrue at most taking part manufacturers. And since you will have computerized Platinum Elite standing with the cardboard, that’ll offer you one other 60% bonus on prime of the bottom factors. This mix interprets to a complete of 26 factors per greenback spent on most IHG stays — or a 13% return on spending, primarily based on TPG’s March 2025 valuations.

Past IHG purchases, cardholders of the IHG Premier Enterprise will earn factors on the following charges:

• 5 factors per greenback spent on journey, motels (non-IHG properties), eating and gasoline purchases
• 5 factors per greenback spent on social media and search engine promoting and at workplace provide shops
• 3 factors per greenback spent on all different purchases

That interprets to a 2.5% return on the bonus classes primarily based on TPG’s March 2025 valuations, although it drops to 1.5% on on a regular basis purchases — a price of return decrease than many different playing cards.

Associated: Methods to earn IHG factors through stays, bank cards and extra

On the opposite finish, there is not any revealed most price, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per night time. Nonetheless, properties in accomplice manufacturers corresponding to Six Senses continuously exceed this.

Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. Actually, you could possibly redeem IHG One Rewards factors for considerably extra worth if you happen to spend a while looking out.

You are not restricted to solely utilizing factors in your keep. It’s also possible to ebook rooms utilizing a mix of factors and money, which might supply first rate worth in sure circumstances.

Nonetheless, it is value noting simply how these reservations are confirmed. IHG successfully sells you the additional factors (for money) after which makes use of the complete variety of factors for the keep. You often pay 0.63 to 0.66 cents for every IHG level used to make up the distinction. IHG typically sells factors at this value (or cheaper), which might be one other method to prime off your account.

As famous above, once you redeem factors for a keep of 4 nights or longer, each fourth night time will price zero factors. There isn’t any restrict to how typically you should use this profit — although it solely applies to full award stays, not these booked utilizing money and factors.

Associated: Methods to redeem factors with the IHG One Rewards program

Because the IHG One Premier Enterprise card is a resort bank card aimed toward small-business homeowners, it is value taking a look at the way it stacks up towards different hotel-branded enterprise bank cards.

The knowledge for the Wyndham Rewards Earner Enterprise card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Learn extra: The very best resort bank cards with annual charges underneath $100

Sure — so long as you’ll be able to profit from the cardboard’s perks. The IHG One Premier Enterprise card has an annual charge of $99 and affords an annual free night time award that may simply be redeemed for extra worth than that. Cardholders additionally earn factors at strong charges when making purchases in bonus classes, although the incomes price on on a regular basis purchases is not improbable.

Small-business homeowners loyal to IHG or these merely seeking to diversify their journey technique can discover ample worth to justify the cardboard’s annual charge annually. If you end up underutilizing the perks or reserving stays at various resort manufacturers, we might suggest a extra common enterprise bank card as an alternative to maximise your probability of incomes priceless rewards.

Apply right here: IHG One Rewards Premier Enterprise Credit score Card

For charges and costs of the Hilton Enterprise Amex, click on right here.