IHG One Rewards Premier Business Credit Card

How the fee is offset by credits

Even at face value the listed credits ($70 a year) cover 71% of the $99 fee, so rewards and benefits have to make up the rest. The card also lists a free night award, valued at $0 here because their worth depends on the hotel you book.

How it compares

Rules and gotchas

• The welcome bonus requires $4,000 in 3 months — roughly $1,333 a month. That's more than the $1,000 a month in our illustration, so the bonus assumes about $333 a month of extra spending.
• One of the listed credits requires enrollment before it works.
• The Global Entry / TSA PreCheck-style credit renews only once every four years, so it adds little to the yearly math.

Frequently asked questions

Does the IHG One Rewards Premier Business have an annual fee?

Yes — $99 a year, according to the issuer information in our record.

What does the IHG One Rewards Premier Business earn?

10% on IHG Hotels & Resorts, 5% on travel, 5% on dining, 5% on Social Media & Search Engine Advertising, and 3% on other purchases.

Is the IHG One Rewards Premier Business worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in IHG Hotels & Resorts), the first year comes out around $1,171 before credits, including a welcome bonus valued at $700. Year two drops to about $471 before credits.

Do the IHG One Rewards Premier Business's credits cover the annual fee?

The listed credits add up to $70 a year at face value against a $99 fee. Count only the credits you'd use without changing your spending, and remember one needs enrollment.

What credit do I need for the IHG One Rewards Premier Business?

Our record lists "Good" credit as the typical target for the IHG One Rewards Premier Business. As a business card, the application also asks about the business. Chase makes the final decision based on its own criteria.