Tag: Traveler Credit Card

IHG Rewards Club Traveler Credit Card

The IHG Rewards Club Traveler Credit Card, issued by IHG (InterContinental Hotels Group), is designed for travelers and hotel aficionados who wish to earn valuable rewards while enjoying perks on their trips. This travel rewards card not only provides the opportunity to earn points towards free stays at IHG hotels but also includes several benefits that make travel easier and more rewarding.

Card Type

The IHG Rewards Club Traveler Credit Card is a co-branded travel rewards card. It targets frequent travelers and patrons of the IHG hotel chain, offering rewards on hotel stays, dining, and more.

Annual Fee

One of the attractive features of the IHG Rewards Club Traveler Credit Card is that it comes with no annual fee. This makes it an appealing choice for those looking to maximize travel rewards without incurring extra costs.

Rewards Program

The card features a competitive rewards structure that allows cardholders to earn points on every purchase. Cardholders can earn:

• 5 points per dollar spent on purchases at IHG hotels.
• 2 points per dollar spent at restaurants and gas stations.
• 1 point per dollar on all other purchases.

Points can be redeemed for free nights at IHG hotels, travel experiences, or through the IHG rewards program, which includes over 5,000 hotels worldwide.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus. After spending $2,000 within the first three months of account opening, users can earn 75,000 bonus points. This bonus can easily translate into several free nights at IHG properties, depending on the location and season.

APR (Annual Percentage Rate)

The card’s standard APR for purchases is competitive, typically ranging around 20.24% to 27.24%, depending on creditworthiness. Additionally, there may be an introductory APR offer of 0% for the first 12 months on balance transfers, allowing users to save on interest while managing outstanding debt.

Foreign Transaction Fees

Travelers will appreciate that the IHG Rewards Club Traveler Credit Card has no foreign transaction fees. This feature is particularly beneficial for those who frequently travel abroad, making it easier to use the card internationally without incurring extra charges.

Balance Transfer Options

Cardholders looking to consolidate debt can take advantage of the card’s special balance transfer offer, which includes 0% APR for the first 12 months, although a standard balance transfer fee of 3% applies.

Additional Fees

While the card does not have an annual fee, users should be aware of potential additional fees, such as:

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

Card Benefits and Perks

In addition to its rewards program, the IHG Rewards Club Traveler Credit Card offers a range of benefits and perks, including:

• Travel Insurance: Coverage for trip cancellation and interruption.
• Purchase Protection: Safeguards card purchases against theft or damage.
• Rental Car Insurance: Coverage on rentals when paid with the card.

Customer Protections and Insurance

Cardholders enjoy robust customer protections, which include $0 fraud liability for unauthorized purchases, providing peace of mind while traveling.

Eligibility and Credit Score Requirements

To qualify for the IHG Rewards Club Traveler Credit Card, applicants generally need a credit score of good to excellent, typically around 700 or higher. Additionally, factors such as income and existing credit history are considered.

Introductory Offers

The card’s introductory offers, such as the 0% APR on balance transfers for the first 12 months, present a compelling opportunity for both new and existing users looking to manage their finances more effectively.

Special Features or Unique Selling Points

Distinctive features of the IHG Rewards Club Traveler Credit Card include the potential for free hotel nights and exclusive offers for cardholders, making it a valuable asset for those who regularly stay at IHG properties.

How to Apply

Applying for the IHG Rewards Club Traveler Credit Card is straightforward. Prospective users can submit their applications online. For more details on the application process and to get started, visit the UpCube.net and embark on your travel rewards journey!