{"id":191572,"date":"2025-09-07T19:00:28","date_gmt":"2025-09-07T19:00:28","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/09\/07\/ihg-premier-business-card-review-the-annual-fee-is-justified-the-points-guy\/"},"modified":"2025-09-07T19:00:28","modified_gmt":"2025-09-07T19:00:28","slug":"ihg-premier-business-card-review-the-annual-fee-is-justified-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/09\/07\/ihg-premier-business-card-review-the-annual-fee-is-justified-the-points-guy\/","title":{"rendered":"IHG Premier Business Card review: The annual fee is justified &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div><a id=\"ihg-one-rewards-premier-business-credit-card-overview\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG One\u202fRewards Premier Business Credit Card overview<\/h2>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG One Rewards Premier Business Credit Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/tc\/8249?pid=8249&amp;name=IHG%20One%E2%80%AFRewards%20Premier%20Business%20Credit%20Card%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) offers decent perks that, if utilized, can easily justify the card&#8217;s $99 annual fee. However, business owners who aren&#8217;t loyal to <a href=\"https:\/\/thepointsguy.com\/points-program\/ihg\/\" rel=\"noopener\" target=\"_blank\">IHG One Rewards<\/a> may be better off with another business card. <strong>Card rating*:<\/strong> \u2b50\u2b50\u2b50\u2b50<\/p>\n<h6><em>*<a href=\"https:\/\/thepointsguy.com\/review-methodology\/\" target=\"_blank\" rel=\"noopener\">Card rating<\/a> is based on the opinion of TPG&#8217;s editors and is not influenced by the card issuer.<\/em><\/h6>\n<hr class=\"jsx-4213731811\"\/>\n<p>Considering that the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG One Rewards Premier Business card<\/a><\/span> has an annual fee of only $99, it offers many perks for travelers and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-you-might-be-eligible-for-business-credit-card\/\" target=\"_blank\" rel=\"noopener\">small-business owners<\/a> who frequently stay with IHG. Compared to other hotel-branded business credit cards, the IHG Premier Business card has one of the lowest annual fees and may prove attractive simply for that reason.<\/p>\n<p>Benefits include automatic <a href=\"https:\/\/thepointsguy.com\/guide\/what-is-ihg-elite-status-worth\/\" rel=\"noopener\" target=\"_blank\">Platinum Elite status<\/a> as long as you&#8217;re a cardholder, a unique <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-get-ihg-fourth-night-free-award\/\" rel=\"noopener\" target=\"_blank\">fourth-night-free reward perk<\/a> when redeeming points for hotel stays and a valuable welcome bonus. One key perk \u2014 the <a href=\"https:\/\/thepointsguy.com\/news\/ihg-award-night-certificate\/\" rel=\"noopener\" target=\"_blank\">free night certificate<\/a> received each year \u2014 can easily cover the annual fee on the IHG Premier Business card.<\/p>\n<p>We recommend a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-credit-scores-work\/\" rel=\"noopener\" target=\"_blank\">credit score<\/a> of at least 670 to increase your chances of approval for this card.<\/p>\n<p>Let&#8217;s look at the details of the IHG Premier Business card to see if it&#8217;s right for your company.<\/p>\n<p><a id=\"ihg-premier-business-pros-and-cons\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG Premier Business pros and cons<\/h2>\n<div class=\"jsx-4199963584 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-4199963584\">\n<table class=\"jsx-4199963584\">\n<thead class=\"jsx-4199963584\">\n<tr class=\"jsx-4199963584\">\n<th class=\"jsx-4199963584\"><strong>Pros<\/strong><\/th>\n<th class=\"jsx-4199963584\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-4199963584\">\n<tr class=\"jsx-4199963584\">\n<td>\n<ul>\n<li>Bonus points on IHG stays<\/li>\n<li>Automatic Platinum Elite status<\/li>\n<li>Free night certificate each year<\/li>\n<li>TSA PreCheck\/Global Entry statement credit<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Redemption options outside IHG properties aren&#8217;t as valuable<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"ihg-premier-business-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG Premier Business welcome offer<\/h2>\n<p>New applicants for the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG Premier Business card<\/a><\/span> can earn up to 200,000 bonus points: 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending $9,000 in the first six months from account opening.<\/p>\n<p>According to TPG&#8217;s September 2025 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" target=\"_blank\" rel=\"noopener\">valuations<\/a>, the welcome offer is worth up to $1,000.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><\/div><figcaption class=\"jsx-3874346954 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>This is the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-ihg-cards-best-welcome-offers\/\" target=\"_blank\" rel=\"noopener\">highest offer<\/a> we&#8217;ve seen on this card and was previously available from March to April 2025. If you missed your chance to apply back then, now is a great time to take advantage of the offer if this card has been on your radar.<\/p>\n<div class=\"EmailSignUp_container__qYzYT tw-border tw-border-gray-2\"><picture class=\"tw-flex tw-items-center tw-justify-center tw-opacity-0\"><source media=\"(max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-881693933 newsletter-form\">\n<div class=\"jsx-881693933 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN   \">\n<p class=\"tw-text-xs-regular !tw-text-gray-5 hover:!tw-text-gray-5 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/terms-of-use\/\" target=\"_blank\" rel=\"noopener\">Terms of Use<\/a> <!-- -->and acknowledge the data practices in our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<p>It&#8217;s worth noting that the application page warns that you are not eligible for this bonus if you&#8217;ve received a welcome bonus on this card within the past 24 months.<\/p>\n<p>This card is ideal for Chase customers under <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">5\/24<\/a>. While most business credit cards <a href=\"https:\/\/thepointsguy.com\/credit-cards\/these-business-cards-can-help-you-stay-under-chases-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">will not affect<!-- --> your 5\/24 status<\/a>, you do need to be under 5\/24 to apply.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-track-progress-credit-card-sign-up-bonus\/\" rel=\"noopener\" target=\"_blank\">How to track your progress toward a credit card welcome bonus<\/a><\/strong><\/p>\n<p><a id=\"ihg-premier-business-card-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">IHG\u202fPremier Business card benefits<\/h2>\n<p>The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG Premier Business card<\/a><\/span> has a modest $99 annual fee, but is it worth it? The card&#8217;s value depends on whether you&#8217;ll use its benefits frequently enough to justify that annual fee.<\/p>\n<p>First, on your cardmember anniversary each year (starting at the one-year mark and continuing each year after that, for as long as you keep the account open), you&#8217;ll receive a free night award valid for a single night, worth up to 40,000 points.<\/p>\n<p>Cardholders also automatically enjoy IHG One Rewards Platinum Elite status, as long as their account remains open. Platinum members receive 60% bonus earnings on paid stays <a href=\"https:\/\/thepointsguy.com\/guide\/booking-direct-ihg\/\" rel=\"noopener noreferrer\" target=\"_blank\">booked directly with IHG One Rewards<\/a>, space-available room upgrades, a welcome amenity (in the form of points or a drink\/snack) and a handful of other perks.<\/p>\n<p>Those interested in earning top-tier Diamond Elite status can attain this by spending $40,000 on the card in a calendar year. After meeting the spending threshold, the status is valid through Dec. 31 of the following year.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"InterContinental Maldives Maamunagau Resort\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/03\/InterContinental-Maldives-Maamunagau-Resort_Facebook.jpeg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">INTERCONTINENTAL MALDIVES MAAMUNAGAU RESORT<\/figcaption><\/figure>\n<p>When redeeming IHG points for stays of four nights or longer, you&#8217;ll also pay zero points for every fourth night. This is an automatic perk that is reflected when booking. It&#8217;s essentially a 25% discount on stays of exactly four nights, so it&#8217;s a great way to get even more value out of the card.<\/p>\n<p>That said, if you rarely redeem IHG points for stays of four nights or more, this perk may be of limited value.<\/p>\n<p>If you spend $20,000 each calendar year, you&#8217;ll earn 10,000 bonus points and a $100 statement credit. TPG&#8217;s September 2025 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener noreferrer\" target=\"_blank\">valuations<\/a> peg these bonus points at $50, which translates to a total value of $150 with the statement credit.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Hotel Indigo Miami Brickell room\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/04\/20220407_Hotel-Indigo-Miami-Brickell-IHG_KGenter-18.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">KATIE GENTER\/THE POINTS GUY<\/figcaption><\/figure>\n<p>IHG Premier Business cardholders have a handful of other perks to use when you swipe your card:<\/p>\n<ul>\n<li><strong>TSAPrecheck\/Global Entry application fee credit:<\/strong> When you charge a <a href=\"https:\/\/thepointsguy.com\/guide\/things-to-know-global-entry\/\" rel=\"noopener\" target=\"_blank\">Global Entry<\/a>, <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">TSA PreCheck<\/a> or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/credit-cards-reimburse-nexus-application\/\" rel=\"noopener\" target=\"_blank\">Nexus<\/a> application fee to your card, you can be reimbursed up to $120 every four years.<\/li>\n<li><strong>Discount on IHG point purchases: <\/strong>Save 20% on the purchase of IHG points when paying with your card.<\/li>\n<li><strong>United TravelBank: <\/strong>Up to $50 in United Airlines TravelBank cash each calendar year when you register your IHG One Premier card with your MileagePlus account.<\/li>\n<li><strong>Auto rental collision damage waiver<!-- -->:<\/strong> When you decline the rental company&#8217;s collision insurance and charge the entire rental cost to your card, you&#8217;ll get <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-rental-car-coverage\/\" target=\"_blank\" rel=\"noopener\">coverage against theft and collision<\/a>. Coverage is secondary when renting within the U.S., but primary when renting for business purposes.<\/li>\n<li><strong><a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-trip-cancellation-interruption-protection\/\" rel=\"noopener noreferrer\" target=\"_blank\">Trip cancellation and trip interruption insurance<\/a>:<\/strong> You can be reimbursed up to $1,500 per covered traveler and up to $6,000 per trip for prepaid, nonrefundable travel expenses if your trip is canceled or cut short for a covered reason.<\/li>\n<li><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-purchase-protection\/\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Purchase protection<\/strong><\/a><strong>:<\/strong> Your new purchases are covered for 120 days against damage or theft. The limit is $10,000 per claim and up to $50,000 per account.<\/li>\n<\/ul>\n<p>These benefits are nice to have if things go wrong.<\/p>\n<p><a id=\"earning-points-on-the-ihg-premier-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning points on the IHG Premier Business card<\/h2>\n<p>Generally, you won&#8217;t get fantastic earning rates on most <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel\/\" rel=\"noopener noreferrer\" target=\"_blank\">hotel credit cards<\/a> \u2014 especially on broad categories like dining and groceries. That said, the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG Premier Business card<\/a><\/span> could be a solid option, especially at participating IHG properties.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"InterContinental Phuket Resort bar lounge\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2025\/01\/20250129_Valentines-Day-Hotel-Packages_InterContinental-Phuket-Resort_Bar-Lounge.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">INTERCONTINENTAL PHUKET RESORT<\/figcaption><\/figure>\n<p>When you use your card at IHG hotels and resorts, you&#8217;ll earn 10 points per dollar spent on your stay. This is in addition to the 10 base points that all IHG One Rewards members accrue at most participating brands. And since you have automatic Platinum Elite status with the card, that&#8217;ll give you another 60% bonus on top of the base points. This combination translates to a total of 26 points per dollar spent on most IHG stays \u2014 or a 13% return on spending, based on TPG&#8217;s September 2025 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>.<\/p>\n<p>Beyond IHG purchases, cardholders of the IHG Premier Business will earn points at the following rates:<\/p>\n<ul>\n<li>5 points per dollar spent on dining, hotels (non-IHG properties) and gas purchases<\/li>\n<li>5 points per dollar spent at office supply stores, social media and search engine advertising<\/li>\n<li>3 points per dollar spent on all other purchases<\/li>\n<\/ul>\n<p>That translates to a 2.5% return on the bonus categories based on TPG&#8217;s September 2025 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener\" target=\"_blank\">valuations<\/a>, though it drops to 1.5% on everyday purchases \u2014 a rate of return lower than <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-two-percent-cash-back-cards\/\" rel=\"noopener\" target=\"_blank\">many other cards<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/earn-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">How to earn IHG points via stays, credit cards and more<\/a><\/strong><\/p>\n<p><a id=\"redeeming-points-on-the-ihg-premier-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming points on the IHG\u202fPremier Business card<\/h2>\n<p>Like many competitors, IHG One Rewards doesn&#8217;t publish an award chart; instead, it uses dynamic award pricing. The program&#8217;s website indicates that free nights start at 5,000 points.<\/p>\n<p>On the other end, there&#8217;s no published maximum rate, although for IHG&#8217;s core brands, the highest we&#8217;ve seen is 120,000 points per night. However, properties in partner brands such as <a href=\"https:\/\/thepointsguy.com\/news\/six-senses-bookable-ihg-points\/\" rel=\"noopener\" target=\"_blank\">Six Senses<\/a> frequently exceed this.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Six Senses Southern Dunes, The Red Sea entrance\" loading=\"lazy\" width=\"2560\" height=\"2064\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/05\/IMG_9804-scaled.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">Six Senses Southern Dunes, The Red Sea. DANYAL AHMED\/THE POINTS GUY<\/figcaption><\/figure>\n<p>Despite this award pricing model, there are still ways to <a href=\"https:\/\/thepointsguy.com\/guide\/maximizing-redemptions-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">maximize IHG One Rewards redemptions<\/a>. In fact, you may be able to <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">redeem IHG One Rewards points<\/a> for significantly more value if you spend some time searching.<\/p>\n<p>You&#8217;re not limited to only using points for your stay. You can also book rooms using a combination of points and cash, which can offer decent value in certain circumstances.<\/p>\n<p>However, it&#8217;s worth noting just how these reservations are confirmed. IHG effectively sells you the extra points (for cash) and then uses the full number of points for the stay. You usually pay 0.63 to 0.66 cents for each IHG point used to make up the difference. IHG often sells points at this price (or cheaper), which can be another way to top off your account.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"IHG points + cash pricing\" loading=\"lazy\" width=\"1600\" height=\"630\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2022\/01\/ihg-cash-points.png?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">IHG.COM<\/figcaption><\/figure>\n<p>As noted above, when you redeem points for a stay of four nights or longer, every fourth night will cost zero points. There&#8217;s no limit to how often you can use this benefit \u2014 though it only applies to full award stays, not those booked using cash and points.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-points-ihg-rewards-club\/\" rel=\"noopener\" target=\"_blank\">How to redeem IHG One Rewards points for hotel stays<\/a><\/strong><\/p>\n<p><a id=\"which-cards-compete-with-the-ihg-premier-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Which cards compete with the IHG Premier Business card?<\/h2>\n<p>As the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG Premier Business card<\/a><\/span> is a hotel credit card aimed at small-business owners, it&#8217;s worth looking at how it stacks up against other hotel-branded business credit cards.<\/p>\n<p><em>The information for the Wyndham Rewards Earner Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><strong>Read more: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-hotel-credit-cards-with-annual-fees-under-100\/\" rel=\"noopener\" target=\"_blank\">The best hotel credit cards with annual fees under $100<\/a><\/strong><\/p>\n<p><a id=\"is-the-ihg-premier-business-card-worth-it\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Is the IHG Premier Business card worth it?<\/h2>\n<p>Yes \u2014 as long as you can make the most of the card&#8217;s perks. The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG Premier Business card<\/a><\/span> has an annual fee of $99 and offers an annual free night award that can easily be redeemed for more value than that. Cardholders also earn points at solid rates when making purchases in bonus categories, though the earning rate on everyday purchases isn&#8217;t fantastic.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Small-business owners loyal to IHG or those simply looking to diversify their travel strategy can find sufficient value to justify the card&#8217;s annual fee each year. If you find yourself not maximizing the perks or booking stays at varying hotel brands, we&#8217;d recommend a more general <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener\" target=\"_blank\">business credit card<\/a> instead to maximize your chance of earning valuable rewards.<\/p>\n<hr class=\"jsx-4213731811\"\/>\n<p><strong>Apply here: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/8249?name=IHG One\u202fRewards Premier Business Credit Card PID&amp;pid=8249?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">IHG Premier Business card<\/a><\/span><\/strong><\/p>\n<hr class=\"jsx-4213731811\"\/>\n<p><em>For rates and fees of the Hilton Business Amex, click <a href=\"https:\/\/thepointsguy.com\/tc\/6727?pid=6727&amp;name=The%20Hilton%20Honors%20American%20Express%20Business%20Card&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/ihg-premier-business-credit-card-review\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>IHG One\u202fRewards Premier Business Credit Card overview The IHG One Rewards Premier Business Credit Card (see rates and fees) offers decent perks that, if utilized, can easily justify the card&#8217;s $99 annual fee. However, business owners who aren&#8217;t loyal to IHG One Rewards may be better off with another business card. Card rating*: \u2b50\u2b50\u2b50\u2b50 *Card [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":191573,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-191572","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/191572","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=191572"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/191572\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/191573"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=191572"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=191572"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=191572"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}