IHG One Rewards Premier Business Credit Card
This card carries the Premier formula onto company spending. It earns 10X at IHG hotels, 5X on travel, dining, social media and search engine advertising, office supply stores and gas stations, and 3X on everything else. The $99 fee returns an anniversary night worth up to 40,000 points, automatic Platinum Elite and a $100 statement credit plus 10,000 points in years the business spends $20,000. Employee cards cost nothing extra.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Anniversary free night worth up to 40,000 points each renewal
- $100 statement credit plus 10,000 points in every $20,000 calendar-year spend
- 5X on advertising, office supplies and gas, categories most business cards ignore
- Automatic Platinum Elite for the business owner
- Fourth reward night free on award stays of 4 or more nights
- Global Entry, TSA PreCheck or NEXUS credit of up to $120 every 4 years
- Annual fee: $99
- Purchase APR: 19.24% - 27.74% Variable
- Intro purchase APR: none
- Balance transfer APR: 19.24% - 27.74% Variable, no intro offer
- Balance transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, with a fee of either $15 or 5% of each transaction, whichever is greater
- Late payment fee: $40
- Foreign transaction fee: none
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business travel already books into Holiday Inn, Crowne Plaza or InterContinental properties.
- Your company spends on digital advertising or office supplies, which earn 5X here.
- You can reach $20,000 in annual card spend, unlocking the $100 credit and 10,000 points.
- You should skip it if company stays scatter across chains: a flexible business travel card converts better.
IHG One Rewards Premier Business Credit Card Review
The Premier Business gives companies the same anniversary night and status as the personal Premier while aiming its 5X at business operating costs. This review checks the payback math on the $99 fee for a business with IHG stays.
How You Earn
The 5X tier is built from operating expenses, not just travel.
- Travel outside IHG hotels also earns 5X, including flights and rental cars
| Category | Earn rate |
|---|---|
| IHG One Rewards hotels | 10X points per $1 |
| Travel, dining, advertising, office supplies, gas | 5X points per $1 |
| All other purchases | 3X points per $1 |
How You Redeem
Points feed the same IHG One Rewards balance as the consumer cards.
- Fourth reward night free on point stays of 4 or more nights
- Anniversary night covers hotels priced up to 40,000 points
- Points pool across brands from Holiday Inn Express to Six Senses
Benefits and Protections
Business protections cover both trips and purchases.
- Trip cancellation and interruption insurance up to $1,500 per person, $6,000 per trip
- Purchase protection for 120 days, up to $10,000 per item
- DashPass and Instacart+ memberships included for a limited period
- Employee cards free, with points concentrating in one account
Who This Card Is For
This card is for owner-operators and small teams that sleep at IHG properties and buy advertising, supplies and fuel. The $99 fee pays back through the anniversary night alone if the business travels at all. Companies without IHG stays get little from the top earning tier.
- Businesses with recurring IHG hotel spending
- Owners who advertise on social media or search engines
- Teams that want free employee cards feeding one point balance
Comparison
| Feature | IHG One Rewards Premier Business Credit Card | World of Hyatt Business Credit Card | Wyndham Rewards Earner® Business Card |
|---|---|---|---|
| Annual Fee | $99 | $199 | $149 |
| Welcome Offer | 140,000 points after $4,000 in 3 months | 70,000 points after $7,000 in 3 months | Up to 100,000 points |
| Rewards Rate | 10X IHG, 5X business categories, 3X other | 4X Hyatt, 2X top three categories | 8X Wyndham, 5X gas, ads, office supplies |
| Intro APR | N/A | N/A | See issuer's terms |
| Foreign Transaction Fee | None | None | See issuer's terms |
| Best For | IHG business stays | Hyatt business stays | Wyndham business stays |
Issuer Comparison
| Feature | IHG One Rewards Premier Business Credit Card | IHG One Rewards Premier Credit Card | World of Hyatt Business Credit Card |
|---|---|---|---|
| Annual Fee | $99 | $99 | $199 |
| Welcome Offer | 140,000 points after $4,000 in 3 months | 140,000 points after $3,000 in 3 months | 70,000 points after $7,000 in 3 months |
| Rewards Rate | 10X IHG, 5X business categories, 3X other | 10X IHG, 5X travel, dining, gas, 3X other | 4X Hyatt, 2X top three quarterly |
| Key Credits | 40,000-pt night, $100 credit at $20,000 spend | 40,000-pt night, $50 TravelBank, GE credit | Up to $100 Hyatt statement credits yearly |
| Best For | IHG business spending | Personal IHG stays | Business Hyatt spending |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.