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  IHG Rewards Club Premier Mastercard

IHG Rewards Club Premier Mastercard

in Personal Credit Cards from Chase Bank

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IHG Rewards Club Premier Mastercard

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 17.99% - 24.99%
Credit Score Range 650 - 840
Annual Fee $89
Purchase APR  (Variable APR) 17.99% - 24.99%
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants

IHG Rewards Club Premier Mastercard Review

IHG Rewards Club Premier Mastercard is a rewards credit card issued by Chase Bank. If you're wondering whether IHG Rewards Club Premier Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

  • Generous reward rate. You will get a a rewards rate of up to 4x.
  • Up to a rewards rate of up to 4x. This is higher than the average reward rate
  • Signup bonus. Offers a signup bonus of 125000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 24.99%.
  • 5% Balance transfer fee. IHG Rewards Club Premier Mastercard charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
  • Gas rewards. Earn up to 4% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as Global Entry / TSA Precheck Fee Credit, purchase protection, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
The Good The Bad
  • Bonus points can be used at hotels such as InterContinental, Crowne Plaza, Kimpton, EVEN Hotels, Indigo Hotels & Holiday Inn.
  • 40 points total per $1 spent when you stay at any of IHG's 5,600+ hotels worldwide for 12 months.
  • Fourth Reward night free when you redeem points for any stay of 4 or more nights.
  • Enjoy a Free night after each account anniversary year at IHG hotels worldwide.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Cardholders can earn rewards on their purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Trip cancellation insurance.
  • Note that points will be lost if a card holder does not make the minimum payment on their account within 60 days of the due date.
  • Annual fee is charged immediately. There is no free introductory year.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $89.
  • Does not report to credit bureaus.
  • Charges a 5% balance transfer fee

Is there a IHG Rewards Club Premier Mastercard cash back or rewards program?

IHG Rewards Club Premier Mastercard offers a rewards program to its customers.

IHG Rewards Club Premier Mastercard Rewards
Rewards rate (all purchases) 1%
Max rewards rate 4%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 125000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does IHG Rewards Club Premier Mastercard have a signup bonus?

IHG Rewards Club Premier Mastercard doesn't offer a cash signup bonus. However, it does include a 125000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does IHG Rewards Club Premier Mastercard offer an annual loyalty bonus?

IHG Rewards Club Premier Mastercard doesn't offer a cash loyalty bonus.

What are the IHG Rewards Club Premier Mastercard benefits?

IHG Rewards Club Premier Mastercard provides the following benefits:

  • Trip Cancellation Insurance
  • Zero fraud liability
  • No blackout dates when redeeming miles

What are the relevant APRs for IHG Rewards Club Premier Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. IHG Rewards Club Premier Mastercard has higher than average purchase APRs.

IHG Rewards Club Premier Mastercard has a variable purchase APR that ranges from 17.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 24.99%. It also has a variable cash advance APR starting at 26.99% .

Does IHG Rewards Club Premier Mastercard have an introductory APR offer on balance transfers??

No, IHG Rewards Club Premier Mastercard does not come with an introductory APR offer for balance transfers.

Does IHG Rewards Club Premier Mastercard have an introductory APR offer on new purchases??

IHG Rewards Club Premier Mastercard does not offer an introductory rate on new purchases.

What are the IHG Rewards Club Premier Mastercard fees?

The following fees apply to IHG Rewards Club Premier Mastercard:

IHG Rewards Club Premier Mastercard Fees
Fees Amount
Annual Fee up to $89
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

How to apply for IHG Rewards Club Premier Mastercard

  • Visit the IHG Rewards Club Premier Mastercard 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 10 points per $1 spent when you stay at IHG hotels. Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants. Earn 1 point for every $1 spent on all other purchases.
No Foreign Transaction Fee  
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $89
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Lost Luggage Insurance  
Travel Insurance  
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Purchase Protection
  • Trip Cancellation Insurance
Bonus Rewards Hotels with a current point redemption level of 40,000 points or less can be used for a free night after the account renewal anniversary. 125K points and 40X points total at IHG Hotels & Resorts for 12 months.
No Blackout Dates  
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 125,000
Cash Advance APR (Variable APR) Starting at 26.99%
Balance Computation daily balance method (including new transactions)
Purchase APR (Variable APR) 17.99% - 24.99%
Balance Transfer APR (Variable APR) 17.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

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