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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 100,000 points after spending $2,000 within the first 3 months.

Bonus Value

Approximately $500

Annual Fee

$0

Card Rewards

5 points at IHG hotels

3 points on dining, gas, and monthly bills (like utilities, internet, cable, phone, streaming services)

2 points everywhere else

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 8, 2024 | Credit Card Review
Why I Like This Card

The card_name is great for budget IHG lovers. You can earn Gold Elite status if you spend $20,000 every year. But before that, you will get complimentarily upgraded to IHG Silver status, so you get late check-out! You will earn 5 points at IHG hotels and then you can use your points to book a three-night stay and get the fourth night free. Plus you will benefit from lost luggage reimbursement, luggage delay insurance, and more, all for no annual fee on this card!  

Card-Smart Tips & Advice
  • Credit: Good credit needed (you will probably need at least one credit card open for more than a year)
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Double dipping: Chase will not approve you for this card if you currently have an IHG Rewards Club Traveler Card, or if you have received a bonus on an IHG Rewards Club Traveler Card within the last 24 months
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. 
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
774 Avg. Score of those approved
0% Denied
Approved 100% (3)
Denied 0% (0)

Credit limit range $2,000-$25,000

Avg. Credit limit$14,467

Approved 100% (3)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
The IHG Rewards Club Traveler Card is not available to either current cardmembers of the IHG Rewards Club Traveler Card, or previous cardmembers of the IHG Rewards Club Traveler Card who received a welcome bonus for the IHG Rewards Club Traveler Card within the last 24 months.
Card Details And Benefits
Anniversary Bonus Points

New! Earn 10,000 bonus points after spending $10,000 (plus one additional purchase) each calendar year.

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 31 days.

Extended Warranty Protection

Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less).

Extra Redemption Value

Use your points to book a three night stay and get the fourth night free.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $500 per claim, $50,000 per year.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $5,000 per person per trip, max $10,000 per trip, max $20,000 per year, for non-refundable travel expenses.

Upgraded Statuses

New! Get complimentary upgraded to IHG silver status

Earn IHG Gold Elite status after $20,000 spent every year

How can the points be used?

The points can be used at approximately half a penny per point to book free nights at one of the following IHG hotel brands:

  • Six Senses
  • Regent
  • InterContinental Hotels & Resorts
  • Vignette Collection
  • Kimpton Hotels & Restaurants
  • Hotel Indigo
  • Voco
  • Hualuxe
  • Even Hotels
  • Crowne Plaza
  • Holiday Inn Express
  • Holiday Inn
  • Avid
  • Atwell Suites
  • Staybridge Suites
  • Holiday Inn Club Vacations
  • Candlewood Suites

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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