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IHG Rewards Club Premier

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welcome offer

Earn 150,000 points after spending $3,000 within the first 3 months, plus earn a $50 statement credit after the first purchase.

Bonus Value

Approximately $840*

Annual Fee

$89 (waived 1st year)

Card Rewards

Total of 25 points at IHG

2 points on gas, grocery, and dining

1 point everywhere else

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.

Card Overview

The IHG Rewards Club is explicitly superb for IHG members, who will earn 25 points per dollar spent at IHG. This card is good for everyday spending too, earning 2 points on gas, dining, and grocery.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more 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
  • 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. More recent data points suggest that Chase credit inquiries will not be combined even for two Personal or two Business cards for same-day applications
  • Check application status: You can check your application status at   Chase.com  / Customer Service / Check my app status or call 1 888 338 2586
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Downgrade options: The IHG Rewards Club Premier card can be downgraded to the IHG Rewards Traveler ($0). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

100% Approved
800 Avg. Score of those approved
0% Denied
Approved 100%
Denied 0%

Credit limit range $5,000-$5,000

Avg. Credit limit$5,000

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.

Welcome Offer Eligibility
The IHG Rewards Club card is not available to either current cardmembers of the IHG Rewards Club credit card, or previous cardmembers of the  IHG Rewards Clubcredit card who received a welcome bonus for IHG Rewards Club credit card within the last 24 months.
Card Details And Benefits
Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Get upgraded complimentary to IHG Platinum Elite Status.

Free Night Certificate

Get a free 1-night hotel stay every account anniversary year.

Extra Redemption Value

Save 20% on IHG points purchased with this card. Plus receive your fourth night free when redeemed for 4 or more nights

Global Entry and TSA pre-check

Get a $100 statement credit for Global Entry or TSA Pre-Check every 4 years.

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.

Auto Rental Collision Insurance

Worldwide secondary coverage on rentals. Coverage is for rentals up to 31 days.

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.

Lost Luggage Reimbursement

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

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). Max $10,000 per claim, $50,000 per account.

Cell Phone Protection

Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your IHG Premier credit card. Max $1,000 or 2 claims per year.

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 account.

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.

Anniversary Bonus Points

Get 10,000 bonus points after $20,000 spent on purchases and make 1 additional purchase each cardmember anniversary.

Covid-19 Temporary Benefits

  • Earn 5 points at groceries, gas stations, and drugstores on up to $1,500, throughout 01/21-03/21. Enroll here.
  • Get a 12 month free DashPass membership. The credit is valid until 12/31/21. Once your DashPass is up, the price is back to $9.99 a month.

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers). Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer.

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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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