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IHG One Rewards Premier Business Credit Card IHG One Rewards Premier Business Credit Card image
Card Details
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IHG One Rewards Premier Business Credit Card

YBCC Card Rate Stars Filled
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(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$99

🎁 Bonus offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

10 x
Hotels
Estimated Rewards Value: 4%
5 x
Airfare
Estimated Rewards Value: 2%
5 x
Transit
Estimated Rewards Value: 2%
5 x
Car Rentals
Estimated Rewards Value: 2%
5 x
Gas Stations
Estimated Rewards Value: 2%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
5 x
Office Supplies
Estimated Rewards Value: 2%
5 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2%
3 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • Get IHG elite status, fourth night free on award stays, and discounts on points purchases.
  • The annual free night award alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.

Pros

  • Get IHG Platinum Elite status, fourth night free on award nights, and a free night certificate each account anniversary year.
  • Score other travel perks like United TravelBank Cash and a Global Entry, TSA PreCheck, or NEXUS reimbursement as a statement credit.
  • Earn bonus points in a variety of categories including at IHG hotels and gas stations.

Cons

  • IHG Rewards points aren't worth as much as other points currencies.
  • May have a lower sign-up bonus than the personal version of the card.
Annual Fee: $99
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.004

IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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IHG One Rewards Premier Credit Card IHG One Rewards Premier Credit Card image
Card Details
Learn How to Apply
Notify me of bonus offer changes

IHG One Rewards Premier Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$99

🎁 Bonus offer

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

Bonus points for spend in the following bonus categories:

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

10 x
Hotels
Estimated Rewards Value: 4%
5 x
Airfare
Estimated Rewards Value: 2%
5 x
Transit
Estimated Rewards Value: 2%
5 x
Car Rentals
Estimated Rewards Value: 2%
5 x
Gas Stations
Estimated Rewards Value: 2%
5 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
3 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • Get discounts on IHG points purchases, Platinum Elite status, and a fourth night free on rewards stays
  • The annual free night award (at renewal) alone can justify the annual fee.
  • Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.

Pros

  • Get Platinum Elite status, a fourth night free, and a free night certificate each account anniversary year.
  • Score other travel perks like United credits and Global Entry, TSA PreCheck, or a NEXUS statement credit.
  • Earn bonus points at IHG Hotels, and on travel, gas stations, and dining.

Cons

  • Low IHG point value means a limited return on spending.
  • Eligibility is limited to those who meet Chase 5/24 requirements.
Annual Fee: $99
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.004

IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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IHG One Rewards Traveler Credit Card IHG One Rewards Traveler Credit Card image
Card Details
Learn How to Apply
Notify me of bonus offer changes

IHG One Rewards Traveler Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Min Credit Score:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

5 x
Hotels
Estimated Rewards Value: 2%
3 x
Cable / Internet / Phone
Estimated Rewards Value: 1.2%
3 x
Gas Stations
Estimated Rewards Value: 1.2%
3 x
Cellular Phone Service
Estimated Rewards Value: 1.2%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.2%
3 x
Streaming Services
Estimated Rewards Value: 1.2%
2 x
Everything Else
Estimated Rewards Value: 0.8%
+
 more
Notify me of bonus offer changes
  • Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
  • Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
  • Get solid purchase and travel protections

Pros

  • Get a fourth night free on all reward night stays of 4+ nights.
  • No annual fee.
  • Solid sign up bonus points, especially for a no annual fee card.

Cons

  • Doesn't come with a free night award, like the IHG Premier Card
  • Complimentary Silver Elite status doesn't offer many perks
Annual Fee: $0
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.004

IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Last Updated: November 10, 2025
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

Card Details
View Table Image

Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
View Table Image

Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
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A no annual fee credit card earning transferable points

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
View Table Image

A Very Premium Credit Card

Annual fee
$595
Point value
$0.01
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Miles and Lounge Access

Annual fee
$595
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details How to Apply
View Table Image

Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
View Table Image

Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply

Calculation

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Costco

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Total Spend: $0/mo
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