The IHG® Rewards Club Premier from Chase Review

All benefits

• Points
  • 10,000x After you spend $20,000 on purchases and make one additional purchase each account anniversary year.
  • 26x At IHG hotels and resorts.
  • 5x On travel, dining, and at gas stations.
  • 3x On all other purchases.
• Travel
  • Complimentary 4th Night Benefit:
  • You’ll get your fourth night free when you book at least four consecutive nights with points.
  • Free Anniversary Night:
  • You’ll receive a free anniversary night on your cardmember anniversary. This free night is good for properties that cost 40,000 points or less per night.
  • Baggage Delay Insurance:
  • Qualify for baggage delay insurance good for up to $100 per day for three days when your bags are delayed by more than six hours.
  • Lost Luggage Reimbursement:
  • Coverage is good for up to $3,000 per passenger when your luggage is lost by a common carrier.
  • Trip Cancellation and Interruption Insurance:
  • Qualify for up to $5,000 in reimbursement when your trip is cancelled or cut short by covered situations like sickness or severe weather.
  • Global Entry or TSA Precheck Credit:
  • Qualify for a credit of up to $100 for Global Entry or TSA Precheck membership every four years.
  • Elite status:
  • IHG Rewards Club Premier cardholders are automatically granted platinum elite status with IHG. Elite status offers a number of valuable perks such as free WiFi, priority check-in and exclusive member rates.
  • No foreign transaction fees:
  • Save on foreign transaction fees when you use the card for purchases made outside the United States.
  • Auto rental collision damage waiver:
  • When you book and pay for your car rental with your IHG Rewards Club Premier card, you can receive coverage in the case of damage or theft (up to the actual cash value of most rental vehicles). In the U.S., coverage is secondary to your personal insurance.
  • Travel and emergency assistance services:
  • If you have an emergency away from home, you can receive free referrals to local services (such as medical, legal or transportation assistance) by placing a call to the benefits administrator. Cardholders are responsible for the cost of any goods or services obtained.
  • Cell phone insurance:
  • This benefit gives you up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your IHG Rewards Club Premier card.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 21.49% - 28.49% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 21.49% - 28.49% Variable
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Rewards
• Bonus points
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Lowest Hotel Rates Guarantee
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Good Credit
• Excellent Credit