IHG Rewards Premier Card: Unlocking Travel Rewards

The IHG Rewards Premier Card is a premium travel credit card issued by Chase, tailored specifically for frequent travelers and InterContinental Hotels Group (IHG) enthusiasts. This co-branded card provides exceptional value to those who frequently stay at IHG properties, offering rewards that can be redeemed for hotel stays, dining, and various travel experiences.

Card Type

The IHG Rewards Premier Card is a co-branded travel rewards card that facilitates efficient earning of points for users while providing extensive travel-related benefits and perks. Ideal for those who prioritize hotel stays, this card allows you to maximize your spending on travel and accommodations.

Annual Fee

This premium card comes with an annual fee of $89, a reasonable cost considering the extensive rewards and benefits that members can earn. There is also no foreign transaction fee, making it an excellent option for international travelers.

Rewards Program

The rewards structure of the IHG Rewards Premier Card is particularly generous. Cardholders earn:

• Earn 20 points for every $1 spent at IHG hotels.
• Earn 2 points per $1 on dining and fuel purchases.
• Earn 1 point for every $1 spent on all other purchases.

The points accrued can be redeemed elegantly for free nights at any IHG hotel, merchandise, or gift cards. The flexibility in point redemption makes this card appealing for diverse travelers.

Sign-Up Bonus

New cardholders can take advantage of a significant welcome offer. After spending $3,000 in the first three months of account opening, you can earn up to 140,000 bonus points, enough for several free nights at IHG hotels. This compelling sign-up bonus effectively provides greater incentive for new applicants.

APR (Annual Percentage Rate)

The standard APR for the IHG Rewards Premier Card is a competitive rate, currently ranging between 15.74% to 22.74%, depending on creditworthiness. Notably, new cardholders may also benefit from an introductory 0% APR offer on purchases for the first 12 months, providing an opportunity to finance larger expenses interest-free.

Foreign Transaction Fees

One of the key advantages of the IHG Rewards Premier Card is that it does not charge foreign transaction fees. This feature enables cardholders to utilize their card abroad without incurring additional costs, making it a smart choice for international vacations.

Balance Transfer Options

While this card is primarily focused on travel rewards, it does offer balance transfer options. Cardholders may qualify for a 0% APR introductory offer on balances transferred within the first 12 months, although a balance transfer fee of 3% is applicable. It’s crucial to consider these options carefully for effective financial management.

Additional Fees

Aside from the annual fee and balance transfer fee, cardholders should be aware of a few additional costs. A late fee can be charged up to $40 for missed payments, and cash advance fees incur a standard charge of either $10 or 5% of the amount, whichever is greater.

Card Benefits and Perks

Cardholders of the IHG Rewards Premier Card enjoy a range of valuable benefits, including:

• Free night after every account anniversary.
• Access to IHG’s Rewards Club, including instant Gold Elite status.
• Bonus points on eligible purchases through the IHG app and website.
• Travel insurance and purchase protection for added peace of mind.

Additionally, the cardholder can access various travel assistance services, enhancing the overall travel experience.

Customer Protections and Insurance

The IHG Rewards Premier Card is designed with customer security in mind, offering fraud liability protection, purchase protection, and comprehensive rental car insurance. These protections guard against unauthorized transactions and cover new purchases against damage or theft, ensuring safer travel and spending.

Eligibility and Credit Score Requirements

To qualify for the IHG Rewards Premier Card, applicants typically need a good to excellent credit score, generally ranging from 700 to 850. Other application criteria may include income verification and a history of timely payments on existing credit accounts.

Introductory Offers

A standout feature of this card is the introductory offer that includes a 0% APR on purchases for the first 12 months. This offer is an attractive incentive for those looking to manage expenses while accumulating points toward travel rewards.

Special Features or Unique Selling Points

One of the unique selling propositions of the IHG Rewards Premier Card is its anniversary free night offer, enhancing the card’s appeal to those who frequent IHG hotels. This ensures that cardholders can always enjoy a complimentary stay each year, maximizing the return on their investment.

How to Apply

Applying for the IHG Rewards Premier Card is a straightforward process. Prospective cardholders can complete their applications quickly through the online platform. To start, visit the UpCube.net and start your journey toward unparalleled travel rewards!