Tag: hospitality rewards

Kimpton Inner Circle Credit Card: An In-Depth Overview

The Kimpton Inner Circle Credit Card is a co-branded rewards card issued by Horizon Bank. This card is designed for frequent travelers and loyal customers of Kimpton Hotels, offering a plethora of benefits and opportunities to earn rewards on everyday purchases. Below, we explore the features, perks, and essential details of this credit card, making it an excellent choice for both avid travelers and Kimpton fans alike.

Card Type

The Kimpton Inner Circle Credit Card is categorized as a co-branded travel rewards card. This means that it’s tailored specifically for individuals who enjoy traveling and staying at Kimpton properties, while also allowing cardholders to earn rewards points for their everyday spending.

Annual Fee

One of the appealing aspects of the Kimpton Inner Circle Credit Card is that it comes with no annual fee. This feature makes it budget-friendly for cardholders who want to enjoy travel benefits without the burden of an ongoing cost.

Rewards Program

The rewards structure on the Kimpton Inner Circle Credit Card is robust, allowing cardholders to earn 5 points per dollar spent at Kimpton Hotels and Restaurants, 2 points per dollar on all other travel expenses, and 1 point per dollar on all other purchases. Points can be redeemed for various rewards, including free nights, room upgrades, and exclusive experiences like dining and spa treatments at Kimpton’s partner properties.

Sign-Up Bonus

New applicants can benefit from an enticing welcome offer. Upon spending $1,000 in the first 3 months of account opening, cardholders can earn 30,000 bonus points. These points can be redeemed for a free night at any Kimpton property, providing an attractive incentive for new users.

APR (Annual Percentage Rate)

The Kimpton Inner Circle Credit Card features a competitive regular APR of 15.99%–24.99% depending on creditworthiness. It also offers an introductory APR of 0% for the first 12 months on purchases, which can help new cardholders manage their expenses more effectively.

Foreign Transaction Fees

For the globetrotters, it is noteworthy that this card charges no foreign transaction fees. This feature makes it an ideal option for those who travel internationally, as cardholders can make purchases abroad without incurring extra costs.

Balance Transfer Options

The Kimpton Inner Circle Credit Card offers balance transfer options with an introductory 0% APR for the first 12 months. After this period, the regular APR will apply. There is a balance transfer fee of 3%, which is relatively standard in the industry.

Additional Fees

Cardholders should also be aware of other potential fees. The card incurs a late payment fee of up to $39, and the cash advance fee is either 5% of the amount or $10, whichever is greater. Understanding these fees is crucial for managing your credit card usage responsibly.

Card Benefits and Perks

This credit card comes packed with a range of benefits designed to enhance the travel experience. Cardholders enjoy access to the Kimpton Inner Circle program, granting perks such as priority check-in, room upgrades, early access to new properties, and late check-out. Additionally, there are various travel insurance coverages included, such as trip cancellation/interruption insurance.

Customer Protections and Insurance

The Kimpton Inner Circle Credit Card prioritizes the safety and security of its users. It offers zero fraud liability, which protects cardholders from unauthorized charges, alongside purchase protection for items bought with the card. Furthermore, travel-related benefits include rental car insurance, ensuring peace of mind while traveling.

Eligibility and Credit Score Requirements

While the Kimpton Inner Circle Credit Card is accessible, it generally requires applicants to have a good to excellent credit score, typically ranging from 700 to 850. This criterion ensures that the card is offered to responsible borrowers likely to meet their payment obligations.

Introductory Offers

As mentioned, the card comes with an attractive introductory offer of 0% APR on purchases for the first 12 months. This feature can significantly aid new customers looking to make larger purchases without accumulating interest immediately.

Special Features or Unique Selling Points

What sets the Kimpton Inner Circle Credit Card apart is its focus on the hospitality industry. Cardholders not only earn rewards easily but also receive exclusive experiences, such as complimentary nights and personalized services during stays at Kimpton locations. The focus on customer service enhances the overall value of the card.

How to Apply

Applying for the Kimpton Inner Circle Credit Card is simple and can be done ‘>Apply Here. For additional insights on credit card options, check out UpCube.net.