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IHG One Rewards Premier Business Credit Card

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Annual Fee: $99

Bonus Miles

Bonus Points

140,000

Recommended Credit

670 - 850

Current Offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

140,000

Bonus Points

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

Summary

The IHG One Rewards Premier Business Credit Card is a good option for those wanting a business card with great hotel benefits. It has a low $99 annual fee and offers an anniversary free reward night, a fourth night free on award redemptions, and automatic Platinum Elite status, making it a great option for those who are loyal to IHG.

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Earning Rewards

Up to 26X per $1 spent at IHG Hotels and Resorts (10X points with this card, up to 10X points from IHG One for being an IHG One Rewards Member, and up to 6X points from IHG® with Platinum Elite Status, a benefit of this card)
5X per $1 spent on travel and hotels, gas stations, select advertising, and at restaurants
3X per $1 on everyday purchases

Additional Benefits

Automatic Platinum Elite Status
Redeem 3 nights, get 4th night free
Anniversary Free Night (with a current point redemption cap of 40,000 points)
Global Entry, TSA PreCheck®, or NEXUS Statement Credit (up to $120) every four years as reimbursement for the application fee if charged to your card

Foreign Transaction Fee

None

Also consider

Marriott Bonvoy Business® American Express® Card

Annual Fee: $125

Rates & Fees | Terms Apply

3 Free Night Awards

Bonus Points

Earn 3 Free Night Awards after spending $6,000 in purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.

3 Free Night Awards

Bonus Points

If you’re a Marriott loyalist and have a small business or side hustle (e.g. freelancing, Etsy, etc.), this is an excellent card. It has a super reasonable annual fee for the benefits you get (e.g. Gold Elite status, late check out and room upgrades when available, 15 elite night credits, and a free night award on your card's anniversary).

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

The Hilton Honors American Express Business Card

Annual Fee: $195

Rates & Fees | Terms Apply

175,000

Bonus Points

LIMITED TIME OFFER

Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 within your first 6 months of Card Membership. Offer ends 1/8/2025.

175,000

Bonus Points

Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 within your first 6 months of Card Membership. Offer ends 1/8/2025.

The Hilton Honors American Express Business Card is a travel rewards credit card tailored for business travelers, offering Hilton Honors Gold status, generous Hilton Honors points earning potential, and an annual free weekend night reward upon reaching a spending threshold. With a reasonable annual fee, this card is an excellent choice for businesses that frequently utilize Hilton properties and want to enhance their travel experience with valuable rewards and perks.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

IHG One Rewards Premier Business Credit Card

CURRENT OFFER

140,000

Bonus Points

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Click to Learn More!Rates & Fees

REWARDS RATE

ANNUAL FEE

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

My Take

Comparable Cards

No items found.

FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

Low annual fee
Automatic Platinum Elite Status
Free night after each account anniversary, and an additional free night when you book four consecutive nights at an IHG hotel
20% off when buying IHG points, and up to $50 in United Airlines TravelBank Cash each calendar year

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Cons

No introductory period
High rates
IHG points aren't worth as much as other credit card points

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Rewards Summary

Up to 26X per $1 spent at IHG Hotels and Resorts (10X points with this card, up to 10X points from IHG One for being an IHG One Rewards Member, and up to 6X points from IHG® with Platinum Elite Status, a benefit of this card)
5X per $1 spent on travel and hotels, gas stations, select advertising, and at restaurants
3X per $1 on everyday purchases

Additional Benefits

Automatic Platinum Elite Status
Redeem 3 nights, get 4th night free
Anniversary Free Night (with a current point redemption cap of 40,000 points)
Global Entry, TSA PreCheck®, or NEXUS Statement Credit (up to $120) every four years as reimbursement for the application fee if charged to your card

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