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IHG One Rewards Premier Business Credit Card Rewards Calculator

On a typical $2,400/month spending mix, the IHG One Rewards Premier Business Credit Card earns about $1,013 a year — an effective 3.52% back. Its annual fee is $99.

Rate caveats: 26x travel is limited (5X on travel/gas/dining).

Light spender — $1,200/month

CategoryMonthly spendRatePer year
Groceries$2203x$79
Dining$1405x$84
Travel$705x$42
Gas & transit$1005x$60
Online shopping$1203x$43
Streaming$203x$7
Everything else$5303x$191
Total$1,2003.52%$506

Typical spender — $2,400/month

CategoryMonthly spendRatePer year
Groceries$4303x$155
Dining$2905x$174
Travel$1405x$84
Gas & transit$1905x$114
Online shopping$2403x$86
Streaming$503x$18
Everything else$1,0603x$382
Total$2,4003.52%$1,013

Heavy spender — $4,500/month

CategoryMonthly spendRatePer year
Groceries$8103x$292
Dining$5405x$324
Travel$2705x$162
Gas & transit$3605x$216
Online shopping$4503x$162
Streaming$903x$32
Everything else$1,9803x$713
Total$4,5003.52%$1,901

Wondering if the $99 fee pays for itself? See the breakeven math.

Try your own numbers

$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $1,013/yr with the IHG One Rewards Premier Business Credit Card (3.52% back)

How it stacks up in business

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Source: 67.credit, “IHG One Rewards Premier Business Credit Card Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/ihg-one-rewards-premier-business/calculator