IHG One Rewards Premier Enterprise Credit score Card overview
The IHG One Rewards Premier Enterprise Credit score Card presents adequate perks that, if utilized, can simply justify the cardboard’s annual charge of $99. Nevertheless, enterprise house owners who aren’t loyal to IHG One Rewards could also be higher off with one other enterprise card. Card Score*: ⭐⭐⭐⭐
*Card ranking is predicated 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 presents a stunning variety of perks for vacationers and small-business house owners who ceaselessly 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 will show engaging merely for that cause.
Advantages embrace computerized Platinum Elite standing so long as you are a cardholder, a novel fourth-night-free reward perk when redeeming factors for lodge stays and a beneficiant welcome bonus.
Nevertheless, there’s one key perk on the cardboard — the free night time certificates obtained annually — that may simply cowl the annual charge on the IHG Premier Enterprise card. To be accredited for this card, we suggest a credit score rating of at the least 670.
Not each bank card is good for everybody, although. Let us take a look at the main points of the IHG Premier Enterprise card to see if it is proper on your firm.
Associated: Who qualifies for a enterprise bank card?
IHG Premier Enterprise execs and cons
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IHG Premier Enterprise welcome supply
New candidates for the IHG One Premier Enterprise card can earn 140,000 factors after spending $4,000 within the first three months from account opening.
Your bonus will come within the type of IHG factors, which TPG pegs at half a cent every per our October 2024 valuations. Thus, this bonus is value a wholesome $700.
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As the cardboard was launched in early 2022, most individuals needs to be eligible for the welcome bonus. Nevertheless, it is value noting that there’s a warning on the appliance web page that you’re not eligible for this bonus should you’ve obtained a welcome bonus on this card throughout the previous 24 months.
This card is good for many who are underneath 5/24 with Chase. Whereas most enterprise bank cards won’t add to your 5/24 standing, you do should be underneath 5/24 to use for this card.
Associated: The final word information to monitoring your progress towards a bank card welcome bonus
IHG Premier Enterprise card advantages
The IHG One Premier Enterprise card has a modest $99 annual charge, however is it value it? The cardboard’s worth will depend on whether or not you may use its advantages ceaselessly sufficient to justify that annual charge.
First, annually in your cardmember anniversary (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 get pleasure from IHG One Rewards Platinum Elite standing routinely, 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.
For these keen on incomes top-tier Diamond Elite standing, you may attain this by spending $40,000 in your card in a calendar 12 months. The standing shall be legitimate by Dec. 31 of the next 12 months after assembly the spending threshold.
You may 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 needs to be mirrored when reserving. On stays of precisely 4 nights, that is primarily a 25% low cost, so it is an effective way to get much more worth out of the cardboard.
That mentioned, should you hardly ever redeem IHG factors for stays of 4 nights or extra, this perk could also be of restricted worth.
Out there every account anniversary 12 months, you may additionally earn 10,000 bonus factors and a $100 assertion credit score after spending $20,000. TPG’s October 2024 valuations peg these bonus factors at $50, and with the assertion credit score, that interprets to a complete worth of $150.
IHG Premier Enterprise cardholders have a handful of different perks to make the most of whenever you swipe your card:
- Authorities safety program software charge credit score: You could be reimbursed as much as $120 each 4 years whenever you cost a World Entry, TSA PreCheck or Nexus software charge to your card.
- Save 20% on the acquisition of IHG factors whenever you pay along with your card.
- As much as $50 in United TravelBank credit score every calendar 12 months whenever you register your IHG One Premier card along with your MileagePlus account.
- Auto rental collision injury waiver: If you decline the rental firm’s collision insurance coverage and cost the complete rental value to your card, you may get protection towards theft and collision. Nevertheless, protection is secondary when renting throughout the U.S., although protection is main when renting for enterprise functions.
- Journey cancellation and journey interruption insurance coverage: You could 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 minimize brief for a lined cause.
- Buy safety: Your new purchases are lined for 120 days towards injury or theft; there’s a restrict of $10,000 per declare and as much as $50,000 per account.
These advantages could be good to have when issues go fallacious.
Incomes factors on the IHG Premier Enterprise card
Typically talking, you will not get improbable incomes charges on most lodge bank cards — particularly on broad classes like eating and groceries. That mentioned, the IHG One Premier Enterprise card might be a strong possibility, particularly at collaborating IHG properties.
If you use your card at IHG inns 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 collaborating manufacturers. And since you may have computerized Platinum Elite standing with the cardboard, that’ll offer you one other 60% bonus on prime of the bottom factors. When mixed, that interprets to a complete of 26 factors per greenback spent on most IHG stays — or a 13% return on spending, based mostly on TPG’s October 2024 valuations.
Past IHG purchases, cardholders of the IHG Premier Enterprise will earn factors on the following charges:
- 5 factors per greenback spent on journey, eating and gasoline purchases
- 5 factors per greenback spent in choose enterprise classes, equivalent to 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 based mostly on TPG’s October 2024 valuations, although it drops to 1.5% on on a regular basis purchases — a price of return decrease than many different playing cards.
Associated: 13 methods to earn IHG One Rewards factors
Redeeming factors on the IHG Premier Enterprise card
Like many opponents, IHG One Rewards does not publish an award chart; as a substitute, it makes use of dynamic award pricing. This system’s web site signifies that free nights begin at 10,000 factors, though it is potential to search out rooms priced as little as 5,000 factors.
On the opposite finish, there isn’t any revealed most price, though for IHG’s core manufacturers, the best we have seen is 120,000 factors per night time. Nevertheless, properties in accomplice manufacturers equivalent to Six Senses ceaselessly exceed this.
Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. In truth, you could possibly redeem IHG One Rewards factors for considerably extra worth should you spend a while looking.
You are not restricted to solely utilizing factors on your keep. You can too guide rooms utilizing a mix of factors and money, which may supply first rate worth in sure circumstances.
Nevertheless, 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 total variety of factors for the keep. You normally pay 0.63 to 0.66 cents for every IHG level used to make up the distinction. IHG typically sells factors at this worth (or cheaper), which could be one other option to prime off your account.
As famous above, whenever you redeem factors for a keep of 4 nights or longer, each fourth night time of that keep will value zero factors. There isn’t any restrict to how typically you need to use this profit — although it solely applies to full award stays, not these booked utilizing money and factors.
Associated: redeem factors with the IHG One Rewards program
Which playing cards compete with the IHG Premier Enterprise card?
Because the IHG Premier Enterprise card is a lodge bank card geared toward small-business house owners, it is value the way it stacks up towards different hotel-branded enterprise bank cards.
- In the event you’re in search of a card with Hyatt standing and perks: The World of Hyatt Enterprise Credit score Card presents computerized Discoverist standing with World of Hyatt (the bottom tier) and a path towards larger standing ranges by bank card spending. It does have the next annual charge at $199 however presents perks like as much as $100 in spending credit with Hyatt every cardmember 12 months and the power to get 10% of your redeemed factors again should you meet a minimal spending threshold in a calendar 12 months. For extra info, take a look at our full assessment of the World of Hyatt Enterprise card.
- In the event you’re in search of a card with Hilton standing and perks: The Hilton Honors American Specific Enterprise Card additionally has the next $195 annual charge (see charges and charges) and comes with computerized mid-tier Gold standing with Hilton Honors. For extra info, take a look at our full assessment of the Hilton Honors Amex Enterprise card.
- In the event you’re in search of top-tier standing with a low annual charge: The Wyndham Rewards Earner® Enterprise Card from Barclays comes with computerized top-tier Wyndham Rewards Diamond standing for an annual charge of solely $95. This card additionally carries perks like 10% factors reductions on award stays and 15,000 bonus factors on every cardmember anniversary. For extra info, see our publish on which Wyndham card is best for you.
The data 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.
For added choices, take a look at our full listing of lodge bank cards and enterprise bank cards.
Learn extra: The perfect lodge bank cards with annual charges underneath $100
Is the IHG Premier Enterprise card value it?
Sure — so long as you may benefit from the cardboard’s perks. The IHG Premier Enterprise card has an annual charge of $99 and presents 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.
The complimentary Platinum Elite standing with IHG One Rewards, journey protections, United TravelBank credit score and reimbursement for presidency safety screening packages additionally present worth.
Backside line
Small-business house owners loyal to IHG and even these merely seeking to diversify their journey technique can discover adequate worth to justify the cardboard’s annual charge annually. Nevertheless, that requires utilizing the perks, so ensure that you are able to do that. In any other case, chances are you’ll battle to justify preserving the cardboard previous the primary 12 months.
Apply right here: IHG One Rewards Premier Enterprise Credit score Card
For charges and charges of the Hilton Enterprise Amex, click on right here.
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