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

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
  • 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.
  • Travel accident insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • IHG Rewards Club Premier Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • 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.

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 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.
IHG Rewards Club Premier Mastercard Purchase Intro Offer
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:

IHG Rewards Club Premier Mastercard Fees
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 score.

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

  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
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Travel Insurance  
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Trip Cancellation Insurance
Bonus Rewards 140,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
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
Rewards Type Points
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%

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