IHG Premier Enterprise Card evaluate: The annual payment is justified

The IHG One Rewards Premier Enterprise Credit score Card (see charges and charges) presents respectable perks that, if utilized, can simply justify the cardboard’s $99 annual payment. 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 score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Contemplating that the IHG One Rewards Premier Enterprise card has an annual payment of solely $99, it presents many perks for vacationers and small-business house owners who incessantly 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 enticing merely for that purpose.

Advantages embody automated Platinum Elite standing so long as you are a cardholder, a novel fourth-night-free reward perk when redeeming factors for resort stays and a helpful welcome bonus. One key perk — the free night time certificates obtained annually — can simply cowl the annual payment on the IHG Premier Enterprise card.

We suggest a credit score rating of at the least 670 to extend your probabilities of approval for this card.

Let’s take a look at the main points of the IHG Premier Enterprise card to see if it is proper in your firm.

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

In response to TPG’s September 2025 valuations, the welcome supply is value as much as $1,000.

That is the highest supply we have seen on this card and was beforehand accessible from March to April 2025. When you missed your probability to use again then, now is a superb time to reap the benefits of the supply if this card has been in your radar.

Reward your inbox with the TPG Every day publication

Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants

By signing up, you’ll obtain newsletters and promotional content material and comply with our Phrases of Use and acknowledge the info practices in our Privateness Coverage. Chances are you’ll unsubscribe at any time.

It is value noting that the appliance web page warns that you’re not eligible for this bonus in the event you’ve obtained a welcome bonus on this card inside the previous 24 months.

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

Associated: Easy methods to monitor your progress towards a bank card welcome bonus

The IHG Premier Enterprise card has a modest $99 annual payment, however is it value it? The cardboard’s worth is dependent upon whether or not you may use its advantages incessantly sufficient to justify that annual payment.

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 mechanically 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 instantly 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 eager about 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 by way of Dec. 31 of the next yr.

When redeeming IHG factors for stays of 4 nights or longer, you may additionally pay zero factors for each fourth night time. That is an automated perk that’s mirrored when reserving. It is primarily a 25% low cost on stays of precisely 4 nights, so it is an effective way to get much more worth out of the cardboard.

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

When you spend $20,000 every calendar yr, you may earn 10,000 bonus factors and a $100 assertion credit score. TPG’s September 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 use of whenever you swipe your card:

• TSAPrecheck/International Entry utility payment credit score: Whenever you cost a International Entry, TSA PreCheck or Nexus utility payment to your card, you might be reimbursed as much as $120 each 4 years.
• Low cost on IHG level purchases: Save 20% on the acquisition of IHG factors when paying together with your card.
• United TravelBank: As much as $50 in United Airways TravelBank money every calendar yr whenever you register your IHG One Premier card together with your MileagePlus account.
• Auto rental collision harm waiver: Whenever you decline the rental firm’s collision insurance coverage and cost your entire rental value to your card, you may get protection towards theft and collision. Protection is secondary when renting inside 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 coated traveler 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 coated purpose.
• Buy safety: Your new purchases are coated for 120 days towards harm or theft. The restrict is $10,000 per declare and as much as $50,000 per account.

These advantages are good to have if issues go flawed.

Typically, you will not get improbable incomes charges on most resort bank cards — particularly on broad classes like eating and groceries. That mentioned, the IHG Premier Enterprise card could possibly be a stable choice, particularly at collaborating IHG properties.

Whenever 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 automated Platinum Elite standing with the cardboard, that’ll offer you one other 60% bonus on high 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, based mostly on TPG’s September 2025 valuations.

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

• 5 factors per greenback spent on eating, inns (non-IHG properties) and fuel purchases
• 5 factors per greenback spent at workplace provide shops, social media and search engine promoting
• 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 September 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: Easy methods to earn IHG factors through stays, bank cards and extra

On the opposite finish, there isn’t any revealed most price, though for IHG’s core manufacturers, the very best we have seen is 120,000 factors per night time. Nevertheless, properties in associate manufacturers akin to Six Senses incessantly exceed this.

Regardless of this award pricing mannequin, there are nonetheless methods to maximize IHG One Rewards redemptions. In reality, you might be able to redeem IHG One Rewards factors for considerably extra worth in the event you spend a while looking out.

You are not restricted to solely utilizing factors in your keep. It’s also possible to e book rooms utilizing a mix of factors and money, which may supply respectable 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 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 worth (or cheaper), which might be one other approach to high off your account.

As famous above, whenever you redeem factors for a keep of 4 nights or longer, each fourth night time will value zero factors. There is not 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: Easy methods to redeem IHG One Rewards factors for resort stays

Because the IHG Premier Enterprise card is a resort bank card geared toward small-business house owners, it is value 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 supplied by the cardboard issuer.

Learn extra: One of the best resort bank cards with annual charges underneath $100

Sure — so long as you may profit from the cardboard’s perks. The IHG Premier Enterprise card has an annual payment 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 stable charges when making purchases in bonus classes, although the incomes price on on a regular basis purchases is not improbable.

Small-business house owners loyal to IHG or these merely seeking to diversify their journey technique can discover ample worth to justify the cardboard’s annual payment annually. If you end up not maximizing the perks or reserving stays at various resort manufacturers, we would suggest a extra basic enterprise bank card as an alternative to maximise your probability of incomes helpful rewards.

Apply right here: IHG Premier Enterprise card

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