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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
Purchase APR  (Variable APR) 17.49% - 24.49%
Balance Transfer APR  (Variable APR) 17.49% - 24.49%
Credit Score Range 650 - 840
Annual Fee $89

IHG Rewards Club Premier Mastercard Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 140000 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 17.49% up to 24.49%.
  • 5% Balance transfer fee. IHG Rewards Club Premier Mastercard charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Multiple credit card benefits. Includes generous credit card perks, such as Global Entry / TSA Precheck Fee Credit, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of IHG Rewards Club Premier Mastercard
The Good The Bad
  • Fourth Reward night free when you redeem points for any stay of 4 or more nights.
  • Enjoy a reward night after each account anniversary year at IHG hotels worldwide.
  • .
  • Multiple credit card perks.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere IHG Rewards Club Premier Mastercard is accepted.
  • IHG Rewards Club Premier Mastercard reports to multiple credit bureaus.
  • 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.
  • Higher than average purchase APRs.
  • Charges an annual fee of $89
  • Charges a 5% balance transfer fee.
IHG Rewards Club Premier Mastercard FAQ

Does IHG Rewards Club Premier Mastercard have a cash back or rewards program?

IHG Rewards Club Premier Mastercard is a travel rewards card.

IHG Rewards Club Premier Mastercard Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 140000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus (Points/Miles) 10000
Annual Loyalty Bonus Spend Requirement $20000

Does IHG Rewards Club Premier Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 140000 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?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 10000 points after spending $20000 that can be redeemed for travel, gifts, and other perks.

What are the IHG Rewards Club Premier Mastercard benefits?

It provides the following benefits:

  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

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

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

It has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

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

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

What are the fees for IHG Rewards Club Premier Mastercard?

The following fees apply:

IHG Rewards Club Premier Mastercard Fees
Fees Amount
Annual Fee $89
Returned Payment Fee up to $39
Late Payment Fee up to $39

What is the customer service phone number for IHG Rewards Club Premier Mastercard?

The IHG Rewards Club Premier Mastercard customer service number is (877) 242-7372.

Does IHG Rewards Club Premier Mastercard report your account activity to credit bureaus?

Yes, IHG Rewards Club Premier Mastercard 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 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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 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 $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) 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
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Trip Cancellation Insurance
  • Travel Assistance
Annual Loyalty Bonus (points) 10,000
Annual Loyalty Bonus Spend Requirement $20,000
No Blackout Dates
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 140,000
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 17.49% - 24.49%
Balance Transfer APR (Variable APR) 17.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard

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