Chase IHG® Rewards Club Traveler Credit Card

Chase IHG® Rewards Club Traveler Credit Card Review

This is a credit card issued by Chase Bank. If you're wondering whether Chase IHG® Rewards Club Traveler Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Signup bonus. Offers a signup bonus of 60000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Chase IHG® Rewards Club Traveler Credit Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. Chase IHG® Rewards Club Traveler Credit Card charges a fee of 5% on balance transfers, if you transfer the balance within 5 days of opening the account. For example, a balance of $1,000 could cost $50 in transfer fees.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good

The Bad

Earn 60,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening. Earn IHG® Rewards Club points on every purchase. Up to 15 points total per $1 spent when you stay at IHG® hotels. Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. No foreign transaction fee. Chase IHG® Rewards Club Traveler Credit Card reports to multiple credit bureaus.

Does not offer rewards or cash back. Charges a 5% balance transfer fee, if you transfer the balance within 5 days of opening the account. Does not include many credit card benefits.

Does Chase IHG® Rewards Club Traveler Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Chase IHG® Rewards Club Traveler Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Chase IHG® Rewards Club Traveler Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Chase IHG® Rewards Club Traveler Credit Card has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

What are the fees for Chase IHG® Rewards Club Traveler Credit Card?

The following fees apply:

Chase IHG® Rewards Club Traveler Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Chase IHG® Rewards Club Traveler Credit Card report your account activity to credit bureaus?

Yes, Chase IHG® Rewards Club Traveler Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Chase IHG® Rewards Club Traveler Credit Card

• Visit the Chase IHG® Rewards Club Traveler Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.