Chase IHG Rewards Premier Credit Card

Introduction

For frequent travelers who seek the best products and enjoy exploring new destinations, the Chase IHG Rewards Premier Credit Card is a compelling option. This card is designed to offer a variety of benefits tailored to enhance your travel experiences. Whether you prefer high-end properties, all-inclusive resorts, or luxurious hotels, the IHG Rewards Premier Card provides access to a wide network of over 6,000 locations, including the prestigious InterContinental and Kimpton brands. Here’s a detailed look at what makes this card a top choice for travelers.

Rewards Earning Potential

High Points Per Dollar Rates

The IHG Rewards Premier Credit Card stands out with its impressive points-earning structure. Cardholders can earn:

• ✅26 Points per Dollar: When staying at IHG Hotels & Resorts, cardholders can earn a staggering 26 points per dollar spent. This high rate significantly boosts your rewards balance, making your stays even more rewarding.
• ✅5 Points per Dollar: On travel, gas stations, and restaurant purchases, five points per dollar are earned. This covers a broad range of everyday expenses, ensuring you’re constantly accruing points.
• ✅3 Points per Dollar: On all other purchases, three points per dollar are awarded, making it a competitive option for general spending.

Travel Credit Card Rewards and Benefits

Welcome Offer

New cardholders are welcomed with a generous bonus offer. Upon making purchases worth $3,000 within the first three months of opening the account, a 140,000-point bonus is awarded. This substantial bonus can significantly boost your rewards balance, providing a head start towards your next travel adventure.

No Foreign Transaction Fees

International travelers will appreciate that the IHG Rewards Premier Card does not charge foreign transaction fees. This benefit ensures that you can make purchases abroad without incurring additional costs, making the card ideal for frequent international travelers.

TSA PreCheck, Global Entry, or NEXUS Credit

Cardholders can receive a credit of up to $100 every four years to cover the cost of enrolling in TSA PreCheck, Global Entry, or NEXUS. This perk enhances your travel experience by making airport security and customs clearance faster and more convenient.

Free Anniversary Night

A standout benefit of the IHG Rewards Premier Card is the free anniversary night. Cardholders receive a free night at any IHG hotel worldwide, valued up to 40,000 points, on their cardholder’s birthday. This is a fantastic way to celebrate your special day with a complimentary stay at a luxurious destination.

Fourth Night Free

When you redeem points for a consecutive four-night stay, the fourth night is free. This benefit stretches your points further, allowing you to enjoy extended stays at no additional cost.

Refer-a-Friend Bonus

The IHG Rewards Premier Card offers a generous referral program. Cardholders can earn up to 50,000 points per year by referring friends to the card. For each friend who successfully applies and is approved, you earn 10,000 points, up to five friends annually.

Additional Benefits

Beyond the primary rewards and benefits, the IHG Rewards Premier Card provides a range of additional services to enhance your travel experience. These include:

Travel and Shopping Coverage

• ✅Luggage Delay Insurance: This insurance reimburses essential expenses such as toiletries and clothing if your luggage is delayed by transport for more than six hours. You can be reimbursed up to $100 per day for up to three consecutive days.
• ✅Lost Baggage Reimbursement: If you or an immediate family member lose or have your luggage damaged during transportation by the carrier, coverage of up to $3,000 per passenger is provided.
• ✅Purchase Protection: New purchases are covered against damage or theft for 120 days, with a limit of up to $500 per claim and $50,000 per account.
• ✅Trip Cancellation/Interruption Insurance: If your trip is canceled or interrupted due to covered reasons such as illness or adverse weather conditions, you may be reimbursed up to $5,000 per person and up to $10,000 per trip for prepaid, non-refundable travel expenses.

Fees and Interest Rates

Understanding the interest rates and fees associated with the IHG Rewards Premier Card is crucial for managing your finances effectively. Here are the key details:

• ✅Annual Fee: $99
• ✅APR for Purchases: 21.49% to 28.49% variable, depending on your creditworthiness
• ✅Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• ✅Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
• ✅Foreign Transaction Fee: None

How to Redeem Rewards

IHG does not adopt a fixed rewards schedule, instead using a dynamic pricing approach for its hotel stays. This means that the redemption value for award nights approximates the regular room price. Points can be used to book hotel stays starting at just 0.5 cents per point.

Additionally, points can be redeemed for products, gifts, and digital rewards such as e-books and games. Another option is to donate points to charitable organizations or transfer them to frequent flyer programs. However, it’s important to note that these alternatives typically offer less favorable redemption values.

Customer Service

IHG Rewards provides comprehensive customer service support. A specialized website offers advice and answers to common questions, ensuring that cardholders can easily access information about their services. Additionally, a 24/7 customer service line is available for immediate assistance.

Conclusion

The Chase IHG Rewards Premier Credit Card is an exceptional choice for travelers seeking to maximize their rewards and enjoy a range of exclusive benefits. With its generous points earning structure, substantial welcome offer, and numerous travel perks, this card is designed to enhance your travel experiences. Whether you are a frequent traveler or someone who enjoys occasional luxury stays, the IHG Rewards Premier Card offers tremendous value and flexibility, making it an ideal addition to your wallet. Consider applying today to start reaping the benefits and making the most of your travel adventures.