The IHG One Rewards Premier Business Credit Card (see rates and fees) offers decent perks that, if utilized, can easily justify the card's $99 annual fee. However, business owners who aren't loyal to IHG One Rewards may be better off with another business card. Card rating*: ⭐⭐⭐⭐

Benefits include automatic Platinum Elite status as long as you're a cardholder, a unique fourth-night-free reward perk when redeeming points for hotel stays and a valuable welcome bonus. One key perk — the free night certificate received each year — can easily cover the annual fee on the IHG Premier Business card.

We recommend a credit score of at least 670 to increase your chances of approval for this card.

A great solo travel tip spotted this week on The Points Guy Articles.

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