IHG Rewards Club Premier Mastercard
in Personal Credit Cards from Chase Bank
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| 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
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.
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 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 $5.
- Multiple credit card benefits. Includes generous credit card perks, such as Global Entry / TSA Precheck Fee Credit, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
IHG Rewards Club Premier Mastercard Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a IHG Rewards Club Premier Mastercard cash back or rewards program?
IHG Rewards Club Premier Mastercard offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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?
IHG Rewards Club Premier Mastercard 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?
IHG Rewards Club Premier Mastercard 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?
IHG Rewards Club Premier Mastercard provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- ID Theft Protection
- Reports to major credit bureaus
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 17.49% 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 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.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for IHG Rewards Club Premier Mastercard?
The following fees apply to IHG Rewards Club Premier Mastercard:
| Fees | Amount |
|---|---|
| Annual Fee | $89 |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does IHG Rewards Club Premier Mastercard report your account activity to credit bureaus?
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 can 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 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.
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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. |
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