Key facts
The business credit card that pays for itself in just one night.
Annual Fee:
$99Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
21.49%-28.49% VariableBalance transfer fees
Either $5 or 5% of the amount of each transfer, whichever is greater.Foreign Transaction Fee:
0%The IHG® Rewards Premier Business Credit Card comes packed with perks. Cardholders get an anniversary free night award, automatic IHG Rewards Platinum Elite status, fourth night free on reward stays, Global Entry or TSA PreCheck credit, $50 United TravelBank Cash every account anniversary year, and so much more. For small business owners who travel even occasionally, all of these perks easily justify the card’s annual fee of $99.
Reward multipliers
While the large sign-up bonus is the headline, the IHG Premier Business Credit Card earns bonus points in several spending categories:
- 10 points per dollar at eligible IHG hotels worldwide.
- 5 points per dollar on general travel — even at non-IHG hotels.
- 5 points per dollar at gas stations.
- 5 points per dollar on select business categories — including social media and search engine advertising, and office supply stores.
- 5 points per dollar at restaurants — including takeout and eligible delivery.
- 3 points per dollar on all other purchases.
Bonus points on business spending isn’t the only reason to spend on the IHG Business Card. Cardholders will earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year. At $40,000 in spending in a calendar year, you’ll earn Diamond Elite status. Then, at $60,000 in credit card spending plus one additional purchase, you’ll earn an additional free night award worth up to 40,000 points.
Earns 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.
Estimated Rewards Value: 4%
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Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
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Estimated Rewards Value: 1.2%
Key features
Unique Card Benefits
Fourth Reward Night Free
Redeem points for four or more consecutive nights to get a free award night.
This is an uncapped benefit, meaning there’s no limit to how many free nights you can get through this one perk. The free night will be the least expensive night.
United TravelBank cash
Twice a year, IHG Premier Business Card cardholders get a $25 United TravelBank credit deposited into their linked United account.
20% off IHG Points Purchases
Use your IHG Premier Business Card to purchase points and get a 20% discount. Unfortunately, this discount doesn’t stack with IHG bonus points promotions.
Primary Car Rental CDW Waiver
Simply turn down the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad. Terms apply.
Global Entry / TSA PreCheck Reimbursement
Charge the application fee for Global Entry, TSA PreCheck, or NEXUS to your IHG Premier Business Card and get up to a $100 statement credit every four years. It’s one of only a few cards that offer a NEXUS statement credit.
Free Annual Hotel Night
Get a free anniversary night certificate worth up to 40,000 IHG points every account anniversary year. Plus, earn an additional free night certificate after you spend $60,000 on purchases each calendar year and then making one additional purchase.
Grants Hotel Status
The primary cardholder of the IHG Premier Business Card gets automatic Platinum Elite status. Upgrade to top-tier Diamond Elite status by spending $40,000 in a calendar year.
Annual Statement Credits
Spend $20,000 in a calendar year to earn a $100 statement credit plus 10,000 bonus points.
Extended Warranty
Automatically extends your U.S. manufacturer’s warranty by an additional year. The original warranty must be under three years.
Purchase Protection
The purchase protection on the IHG Premier Business Card covers new purchases against damage or theft for 120 days. Coverage is up to $10,000 per claim and $50,000 per account.
Trip Protections
The IHG Premier Business Card offers trip cancellation/interruption insurance of up to $1,500 per person and $6,000 per trip. This reimburses your prepaid, nonrefundable costs if your trip is canceled or cut short by sickness, severe weather, or other covered situations.
Travel and Emergency Assistance Services
Chase’s Benefits Administrator can help connect you with legal or medical referrals or other travel and emergency assistance. Just note that you’ll need to pay out-of-pocket for any services provided.
No Foreign Transaction Fees
IHG Rewards Premier Business cardholders don’t have to worry about paying foreign transaction fees on international purchases.
Does Not Report Credit Line to Personal Credit Profile
As a business card, the IHG Premier Business Card doesn’t report to your personal credit profile. Chase will perform a hard inquiry credit check when you apply, but after that it would only appear on your personal credit if you were delinquent with payments.
No Fees for Authorized Users
Add employee cards for no additional annual fee.
Earn more rewards by combining credit cards
Pros & cons
- 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.
- 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.
Our review
The IHG Rewards Premier Business Credit Card is IHG’s small business credit card. And, for small business owners who even occasionally travel, it’s easily worth its annual fee. That’s because the free night certificate earned each account anniversary year should easily save you more than the $99 annual fee.
Other card perks just add to the card’s value: bonus points on wide-ranging purchases, Platinum Elite status, and the fourth night free on rewards stays.
Purchases made using the IHG Rewards Premier Business Credit Card earn 10 IHG points per dollar at hotels participating in the IHG Rewards program, 5x IHG points per dollar on travel, dining, social media and search engine advertising, office supply stores, and gas stations. All other purchases charged to the IHG Rewards Premier Business Credit Card earn 3 points per dollar.
IHG point earnings are further boosted by the IHG Platinum Elite status that comes as a perk of the IHG Rewards Premier Business Credit Card. Platinum Elite members earn 60% bonus points on top of the base earning rate of 10 points per dollar. That nets a total of 26 IHG points per dollar at IHG hotels.
Big spenders can rack up additional rewards on the IHG Rewards Premier Business Credit Card. Receive a $100 statement credit plus 10,000 bonus points after spending $20,000 in a calendar year. Then, upgrade to Diamond Elite status after spending $40,000 in purchase in a calendar year. Finally, earn another free night award by spending $60,000 in purchases (plus one additional purchase) in one calendar year using your IHG Rewards Premier Business Card.
Small business owners can also earn points on employee spending. There’s no additional annual fee to add employee cards.
IHG Rewards members can redeem points for a reward night at any hotels participating in the IHG portfolio. That spans everything from luxury InterContinental Hotels to practical Holiday Inn hotels.
Even better, when you redeem IHG Rewards points for a stay of at least four consecutive nights, you’ll get a free night through the IHG Rewards Premier Business Credit Card’s fourth reward night free benefit.
IHG Rewards Premier Business Card cardholders get a free night award each year. This certificate can be redeemed for an IHG hotel night stay costing up to 40,000 IHG Rewards points. Sure, that’s not going to get you an overwater villa in Bora Bora, but that free night will cover a stay at many IHG hotels.
Frequently asked questions
Is it better to get the IHG Premier Business Card or Ink Business Preferred Card?
Both cards offer compelling benefits for a reasonable annual fee. The IHG Business Card offers unique perks like Platinum Elite status in the IHG Rewards program, a free reward night each year, and bonus points on gas stations.
However, the Chase Ink Business Preferred® Card offers more wide-ranging bonus points categories, including wireless telephone services.
Is it worth spending on the IHG Premier Business Credit Card?
IHG offers several spending threshold bonuses to encourage small business owners to spend on the IHG Premier Business Card. Cardholders will earn a $100 statement credit and 10,000 bonus points after spending $20,000 in combined purchases in a calendar year. Earn Diamond Elite status after spending $40,000 in purchases. And earn an additional IHG hotel free night after making $60,000 in purchases plus making one additional purchase.
What are the bonus categories on the IHG Premier Business Card?
The IHG Premier Business Card earns 10x points per dollar at IHG hotels, 5x points per dollar on travel, dining, social media and search engine advertising, and at office supply stores and gas stations.
Does the IHG Business Card offer TSA PreCheck?
After account opening, IHG Rewards Premier Business cardholders can charge a Global Entry, TSA PreCheck, or NEXUS application fee to their card and get a statement credit of up to $100.
Does IHG have a business credit card?
The IHG business card is the IHG Rewards Premier Business Credit Card. This small business credit card offers an excellent sign-up bonus after spending a reasonable amount, earns bonus points at IHG hotels, and earns bonus points in several business categories — such as gas stations.
What are the benefits of the IHG Premier Business Card?
IHG Rewards Premier Business Credit Card cardholders get IHG Platinum Elite status, a fourth reward night free, and a free night certificate each cardholder anniversary. Plus, eligible new cardholders can earn bonus points after spending a set amount after account opening.
Is it hard to get the IHG Business Card?
To open the IHG Rewards Premier Business Credit Card, you’ll need to be a small business owner, have excellent credit, and have opened fewer than five personal credit cards in the past 24 months.
What are the best business hotel cards?
Small business owners looking for a hotel reward card can choose between the IHG Premier Business Card, the World of Hyatt Business Card, or the Marriott Bonvoy Business Card.
