Tag: hotel rewards credit card

IHG Rewards Premier Credit Card: Your Key to Exceptional Travel Experiences

The IHG Rewards Premier Credit Card, issued by IHG® (InterContinental Hotels Group), is a co-branded credit card designed specifically for avid travelers and hotel enthusiasts looking to maximize their rewards while enjoying luxury experiences across the globe.

Card Type

This credit card is a travel rewards card, catering to individuals who frequently stay at IHG properties, including popular hotel brands like Holiday Inn, Crowne Plaza, and InterContinental.

Annual Fee

The IHG Rewards Premier Credit Card has an annual fee of $89. However, the rewards and benefits associated with this card can easily outweigh the cost for regular travelers.

Rewards Program

With the IHG Rewards Premier Credit Card, users can earn 3 points for every dollar spent at IHG hotels, 2 points on restaurants, gas stations, and grocery stores, and 1 point on all other purchases. This diverse rewards structure allows cardholders to accumulate points quickly, which can be redeemed for free nights, travel-related expenses, or merchandise through the IHG Rewards program.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus of 140,000 bonus points after spending $3,000 in the first three months from account opening. This substantial bonus can translate into multiple free nights at various hotels, making it an attractive offer for frequent travelers.

APR (Annual Percentage Rate)

The regular APR for the IHG Rewards Premier Credit Card is competitive, currently set at 20.49% to 27.49%, based on creditworthiness. Additionally, there is an introductory 0% APR on balance transfers for the first 12 months, providing a cushion for individuals looking to manage existing debt more effectively.

Foreign Transaction Fees

One of the significant advantages of the IHG Rewards Premier Credit Card is that it does not charge foreign transaction fees, allowing users to travel internationally without worrying about additional charges on purchases made abroad.

Balance Transfer Options

Cardholders can take advantage of the card’s balance transfer features, with a 0% introductory APR for the first 12 months for qualifying transfers. This offer can help save on interest during a critical debt-reduction period.

Additional Fees

Aside from the annual fee, other important charges include a late payment fee of up to $40 and a cash advance fee of either $5 or 3% of the transaction amount, whichever is greater. It’s essential for users to be aware of these potential costs to manage their finances effectively.

Card Benefits and Perks

Holders of the IHG Rewards Premier Credit Card enjoy several benefits, including:

• One free night at eligible IHG hotels annually.
• Access to exclusive cardholder discounts and offers.
• Travel insurance and emergency assistance services.

Customer Protections and Insurance

The IHG Rewards Premier Credit Card offers multiple customer protections, including:

• Fraud liability for unauthorized transactions.
• Purchase protection, covering eligible purchases against damage or theft.
• Rental car insurance when renting a vehicle using the card.

Eligibility and Credit Score Requirements

To be eligible for the IHG Rewards Premier Credit Card, applicants should typically possess a credit score of 700 or higher. Meeting this benchmark increases the likelihood of approval and secures better terms.

Introductory Offers

As previously mentioned, one of the key introductory offers is the 0% APR on balance transfers for the first 12 months, allowing new cardholders to alleviate financial pressure while enjoying their new card benefits.

Special Features or Unique Selling Points

The IHG Rewards Premier Credit Card stands out with its unique selling points, including:

• Annual free night stay.
• Automatic Platinum Elite status in IHG Rewards, which offers additional perks like room upgrades and bonus points.

How to Apply

Applying for the IHG Rewards Premier Credit Card is easy and straightforward. Prospective cardholders can visit the ‘>Apply Here today and start earning your way to memorable vacations!

For further financial insights, visit UpCube.net for expert reviews and credit card comparisons.