IHG One Reward Prime Minister Business Credit Card Overview
this ihg reward prime minister business credit card (See Rates and Fees) Decent allowances are offered, and if utilizing, it is easy to prove the $99 annual fee for the card. However, business owners who are unfaithful to IHG may be better off in another business card. Card Rating*: ⭐⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
With this in mind IHG rewards to Prime Minister’s business card The annual fee is only $99, offering many benefits to travelers and small business owners who often stay at IHG. Compared to business credit cards from other hotel brands, the IHG Premier business card is the lowest annual fee, so it proves attractive for this reason alone.
Benefits include automatic Platinum Elite status, unique fourth night reward allowance as long as you are a cardholder when redeeming hotel accommodations and valuable welcome rewards. A key privilege – the free night certificate received annually – can easily cover the annual fee of the IHG Premier business card.
We recommend a credit score of at least 670 to increase your chances of approval for this card.
Let’s take a look at the details of the IHG Premier business card to see if it’s right for your company.
IHG Premier Business Pros and Cons
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IHG Premier Business Welcome Offer
New applicants IHG Premier Business Card You can spend $4,000 on the acquisition after spending $4,000 in the first three months of opening an account, and $9,000 in the first six months of opening and $4,000 in the first three months of opening, and earn up to 200,000 bonus points: 140,000 bonus points.
According to TPG’s September 2025 valuation, welcome quotes are worth up to $1,000.
This is the highest quote we have seen on this card, which was previously available from March to April 2025. If you missed the opportunity to apply at that time, now is a good time to take advantage of this card if this card is on your radar.
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It is worth noting that if you have received a welcome bonus for this card within the last 24 months, the application page warns you that you are not eligible for this bonus.
This card is ideal for chasing customers under 5/24 years old. Although most commercial credit cards will not affect Your 5/24 status, you do need to be below 5/24 to apply.
Related: How to track your progress to your credit card welcome bonus
IHG Premier Business Card Benefits
this IHG Premier Business Card There are a few $99 annual fees, but is it worth it? The value of the card depends on whether you will frequently use its benefits to justify the annual fee.
First, on the annual card anniversary (starting with a year’s mark and continuing every year until then, as long as you keep your account open), you will receive a free night reward that works for one night and is worth up to 40,000 points.
As long as their account remains open, cardholders will automatically enjoy a rewarded Platinum Elite identity. Platinum members receive 60% bonus income on direct bookings and receive a bonus from IHG, room upgrades available in space, popular amenities (in the form of points or drinks/snacks) and a handful of other offers.
Those interested in earning their top diamond elite status can achieve this by spending $40,000 over the calendar year. After the expenditure threshold is reached, the status will be valid until December 31 of the second year.
When redeeming IHG points for four nights or more, you also pay zero points every fourth night. This is an automatic privilege that will be reflected when booking. Essentially, it’s a 25% discount, just for four nights, so it’s a great way to get more value from the card.
That is, if you rarely redeem IHG points for accommodations of four or more, the value of this revitalization may be limited.
If you spend $20,000 per calendar year, you will earn 10,000 bonus points and $100 in stated credit. TPG’s September 2025 valuation sets these bonus points at $50, which is a total value of $150 and a declared credit limit of $150.
When you swipe your card, IHG Premier merchant licensed holders also need to use a small amount of allowance:
- TSAPRECHECK/Global Entry Application Fee Credit: When you charge your card for global entries, TSA Precheck or Nexus application fees, you can repay up to $120 every four years.
- Discounts for purchasing IHG points: Save 20% when purchasing IHG points when paying with a card.
- United Travel Bank: When you sign up for a MileagePlus account on an IHG Premier card, you can get up to $50 in United Airlines Travelbank cash per calendar year.
- Automatic rental collision damage exemption: When you refuse to lease your company’s collision insurance and charge the card full rental fee, you will be covered for theft and collision. When renting in the United States, coverage is secondary, but mainly for commercial purposes.
- Travel Cancellation and Travel Interrupt Insurance: If your trip is cancelled or shortened, you can repay up to $1,500 per covered traveler and up to $6,000 per trip, non-refundable travel expenses.
- Purchase protection: Your new purchase is covered for 120 days to prevent damage or theft. The limit is $10,000 per claim and up to $50,000 per account.
If something goes wrong, these benefits are nice.
Win points on IHG Premier business card
Often, you won’t get a fantastic money-making rate on most hotel credit cards, especially in a wide range of categories like catering and groceries. that is, IHG Premier Business Card Possibly a reliable option, especially when participating in IHG attributes.
When you use the card at IHG Hotels and Resorts, you will earn 10 points per dollar. This is a complement to 10 basic points, and all IHG everyone rewards most of the participating members of the brand. And, since your card has an automatic Platinum Elite status, you can get an additional 60% bonus on the basis. According to TPG’s September 2025 valuation, this combination can be translated into a total of 26 points per dollar for most IHG dwell time, or a return on spending of 13%.
In addition to purchasing IHG, cardholders of IHG Premier business will also earn points at the following rates:
- Spend 5 points per dollar on catering, hotel (non-IHG properties) and gasoline purchases
- 5 points per dollar spent on office supply stores, social media and search engine advertising
- Spend 3 points per dollar on all other purchases
According to TPG’s September 2025 valuation, the bonus category has a return of 2.5%, although the valuation purchased daily drops to 1.5%, which is lower than the return of many other cards.
Related: How to earn IHG points through stays, credit cards, etc.
Redemption points on IHG Premier’s business card
Like many competitors, IHG does not publish a reward list; instead, it uses dynamic reward pricing. The program’s website shows that the free night starts at 5,000 o’clock.
On the other hand, although for IHG’s core brand, the highest point we’re seeing is 120,000 a night. But partner brands such as the Six Sensors often outweigh this.
Despite this reward pricing model, there are still ways to maximize reward redemption for IHG. Actually, if you spend some time searching, you might be able to redeemed a bonus point for more value.
You are not limited to using points to stay. You can also book a room using a combination of points and cash, which in some cases can provide decent value.
However, it is worth noting how these reservations are confirmed. IHG effectively sells you (cash) extra points and then uses the full number of accommodation points. Typically, you pay 0.63 to 0.66 cents for each IHG point used to make up for the difference. IHG often sells points for this price (or cheaper), which can be another way to delete your account.
As mentioned above, each fourth night will cost zero points when you redeem four nights or more. There is no limit to how often you can use this benefit – although it only applies to full rewards, not those booked with cash and points.
Related: How to Redeem a Reward Point for IHG Hotel Accommodation
Which cards compete with IHG Premier business cards?
As IHG Premier Business Card It is a hotel credit card for small business owners and it is worth looking at how it conflicts with commercial credit cards from other hotel brands.
Information on Wyndham Rewards’ revenue card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Read more: Best Hotel Credit Cards with annual fees under $100
Is the IHG Premier business card worth it?
Yes – as long as you can take full advantage of the card’s privileges. this IHG Premier Business Card The annual fee is $99 and offers a free night reward of the year that can be easily redeemed for more value than this. Cardholders also earn points at stable interest rates when making purchases in the bonus category, although the income rate of daily purchases is not amazing.
Bottom line
Small business owners loyal to IHG or those who just want to diversify their travel strategies can find enough value to justify the card’s annual annual fee. If you find yourself not maximizing privileges or bookings among different hotel brands, we recommend using a more general business credit card to maximize your chances of receiving valuable rewards.
Apply here: IHG Premier Business Card
For rates and fees for the Hilton Business Amex, click here.
