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Author - Sam
Updated: September 9, 2024 | Credit Card Review 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!
- 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)
Credit limit range $2,000-$25,000
Avg. Credit limit$14,467
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
Earn 10,000 bonus points after spending $10,000 (plus one additional purchase) each calendar year.
Secondary worldwide coverage on rentals up to 31 days.
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).
Use your points to book a three night stay and get the fourth night free.
Get up to $3,000 per person for lost or damaged luggage.
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.
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.
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.
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.
Get complimentary upgraded to IHG silver status
Earn IHG Gold Elite status after $20,000 spent every year
No foreign transaction fee.
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
