Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 26x on hotels (catalog median is 2x)
- 5x on flights (catalog median is 2x)
- 5x on other travel (catalog median is 2x)
- The $99 annual fee needs strong category spending to clear
Is the $99 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$321/yr
$420 rewards - $99 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$381/yr
$480 rewards - $99 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$993/yr
$1,092 rewards - $99 fee
Rewards by Category
Dining
5x
Grocery
3x
Gas
5x
Flights
5x
Hotels
26x
Other Travel
5x
Online Shopping
3x
Rideshare
3x
Streaming
3x
Amazon
3x
Costco
3x
Other
3x
Apple
3x
Cell Phone
3x
Fast Food
5x
Home Utilities
3x
Internet
3x
Walmart
3x
Point value: 0.5 cents per point
The Fine Print That Changes the Math
26X total at IHG hotels. 5X on travel, gas, restaurants, select advertising. 3X on all other purchases. Free night (up to 40K points) annually. Platinum Elite status.
IHG One Rewards Premier Business FAQ
What is the IHG One Rewards Premier Business annual fee?
The IHG One Rewards Premier Business has a $99 annual fee.
What is the IHG One Rewards Premier Business signup bonus?
140,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the IHG One Rewards Premier Business?
26x on hotels, 5x on flights, 5x on other travel. Everything else earns 3x.
Is the IHG One Rewards Premier Business worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $321/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is IHG One Rewards Premier Business Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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