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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
Annual Fee $89
Purchase APR  (Variable APR) 17.99% - 24.99%
Balance Transfer APR  (Variable APR) 17.99% - 24.99%
Credit Score Range 650 - 840
Rewards Rates
  • 1% - 4% on Every Purchase
  • 2% - 4% on Gas
  • 2% - 4% on Groceries
  • 10% - 40% on Hotels
  • 2% - 4% on Restaurants

IHG Rewards Club Premier Mastercard Review

IHG Rewards Club Premier Mastercard is a rewards credit card issued by Chase Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. 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.

Pros & Cons of IHG Rewards Club Premier Mastercard
The Good The Bad
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Purchase Protection.
  • Trip Cancellation Insurance.
  • Earn rewards on every purchase.
  • 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.
  • Higher than average purchase APRs.
  • Charges an annual fee of $89.
  • Does not report to 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.
  • Annual fee is charged immediately. There is no free introductory year.
  • 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?

    No, IHG Rewards Club Premier Mastercard does not come with an introductory APR offer for balance transfers. IHG Rewards Club Premier Mastercard does not offer an introductory rate on new purchases.
    IHG Rewards Club Premier Mastercard Balance Transfers
    Description
    Balance Transfer APR 17.99% - 24.99%
    Introductory Rate N/A
    Intro APR period (months) N/A
    IHG Rewards Club Premier Mastercard Rates & Terms
    Description
    Balance Computation daily balance method (including new transactions)
    Purchase APR 17.99% - 24.99%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR Starting at 26.99%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    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 $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.
    Minimum Interest Charge $0
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 21
    Annual Fee $89
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) Starting at 5%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $39
    Minimum Cash Advance Fee ($) Starting at $10
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • Tax Returns
    Credit Card Benefits
    • Fraud Liability
    • Global Entry / TSA Precheck Fee Credit
    • Purchase Protection
    • Trip Cancellation Insurance
    Fraud Liability  
    Lost Luggage Insurance  
    Travel 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
    • 1% - 4% on Every Purchase
    • 2% - 4% on Gas
    • 2% - 4% on Groceries
    • 10% - 40% on Hotels
    • 2% - 4% on Restaurants
    Signup Bonus (points) 125,000
    Cash Advance APR (Variable APR) Starting at 26.99%
    Purchase APR (Variable APR) 17.99% - 24.99%
    Balance Computation daily balance method (including new transactions)
    Balance Transfer APR (Variable APR) 17.99% - 24.99%

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