IHG Rewards Premier Mastercard: Your Ultimate Travel Companion

The IHG Rewards Premier Mastercard is a co-branded credit card offered by IHG (InterContinental Hotels Group) and issued by Chase Bank. This card is designed specifically for frequent travelers who want to earn rewards for their hotel stays and travel purchases. Here’s everything you need to know about this impressive credit card.

Card Type

The IHG Rewards Premier Mastercard is a travel rewards credit card, enabling cardholders to earn points on every purchase. It is particularly beneficial for those who stay frequently at IHG hotels, such as InterContinental, Crowne Plaza, and Holiday Inn, among others.

Annual Fee

The card comes with an annual fee of $89. This fee is fairly typical for a travel rewards card, especially one that offers a robust rewards structure and additional perks.

Rewards Program

The IHG Rewards Premier Mastercard offers a comprehensive rewards program. Cardholders can earn:

• 10 points per dollar spent at IHG hotels.
• 2 points per dollar on gas station, grocery, and restaurant purchases.
• 1 point per dollar on all other purchases.

Points can be redeemed for free nights at IHG hotels, gift cards, merchandise, and other travel-related expenses, making it a versatile option for travelers seeking to maximize their rewards.

Sign-Up Bonus

New applicants can enjoy a generous sign-up bonus of 140,000 points after spending $3,000 within the first three months of account opening. This bonus can equate to several free hotel nights, depending on the redemption level.

APR (Annual Percentage Rate)

The card features a regular APR of 20.24% to 27.24% variable, based on creditworthiness. Additionally, there’s a promotional 0% introductory APR on balance transfers for the first 12 months, which is ideal for consolidating higher-interest debt.

Foreign Transaction Fees

The IHG Rewards Premier Mastercard is a great option for international travelers, as it charges no foreign transaction fees. This means you can use your card abroad without worrying about extra charges on your purchases.

Balance Transfer Options

With the IHG Rewards Premier Mastercard, eligible cardholders can take advantage of special balance transfer options, including the 0% APR for 12 months. Balance transfer fees apply, typically around 3% of the transfer amount, which is important to factor in when considering transferring a balance.

Additional Fees

Other fees associated with the card may include:

• Late payment fee: Up to $40
• Cash advance fee: Either 5% of the amount advanced or $10, whichever is greater.

Card Benefits and Perks

Cardholders enjoy a range of benefits, including:

• Complimentary IHG Rewards Club membership, which provides additional perks such as late check-out and free internet access at IHG properties.
• No blackout dates when redeeming points for hotel stays.
• Access to a concierge service for travel assistance.
• Annual free night certificate, valid at selected IHG hotels.

Customer Protections and Insurance

The IHG Rewards Premier Mastercard offers robust customer protection, which includes:

• Zero liability for unauthorized purchases, providing peace of mind for cardholders.
• Purchase protection for eligible purchases against theft or damage.
• Rental car insurance, providing coverage in case of accident or damage during rental periods.

Eligibility and Credit Score Requirements

To qualify for the IHG Rewards Premier Mastercard, applicants should generally have a credit score of 680 or higher. Meeting this benchmark increases the likelihood of approval for this travel rewards card.

Introductory Offers

Aside from the sign-up bonus, the IHG Rewards Premier Mastercard features a 0% APR introductory offer for balance transfers for the first 12 months. This offer provides an excellent opportunity to manage existing debt more efficiently.

Special Features or Unique Selling Points

One of the standout features of this card is the annual free night award after each account anniversary, which adds significant value for frequent travelers. The flexibility to redeem points without blackout dates is also a compelling selling point.

How to Apply

Applying for the IHG Rewards Premier Mastercard is a straightforward process. Interested applicants can apply online through the official IHG website or by visiting Chase branches. For more details, visit the official application page at UpCube.net.