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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 140,000 points after spending $3,000 within the first 3 months.

Bonus Value

Approximately $700

Annual Fee

$99

Card Rewards

10 points at IHG (plus the points you earn based on your IHG status level)

5 points on gas, travel, and dining

3 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: April 4, 2024 | Credit Card Review
Why I Like This Card

If you stay with IHG frequently, you will really enjoy the card_name. You will get upgraded complimentarily to IHG Platinum Elite status which includes room upgrades, early check-in and late-check out, welcome amenity at check-in, and more! If you spend $40,000 (plus one additional purchase) on your card per calendar year, then you can earn IHG Diamond status. You also get a $50 United travel credit, and one free IHG hotel stay every account anniversary. For the free night bonus, you can add an unlimited amount of points to top-off the certificate above the 40,000 point limit per night. Also, you can earn a $100 statement credit plus 10,000 bonus points after you spend $20,000 (plus one additional purchase) each calendar year. All these benefits make it a great card for IHG lovers!

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • 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
  • 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 Service / Check my app status or call 1 888 338 2586
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).

  • 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.

Approval Monitor (submitted by HelpMeBuildCredit users)

75% Approved
767 Avg. Score of those approved
25% Denied
Approved 75% (3)
Denied 25% (1)

Credit limit range $5,000-$17,900

Avg. Credit limit$12,600

Approved 75% (3)
Denied 25% (1)

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 card_name is not available to either current cardmembers of the card_name, or previous cardmembers of the card_name who received a welcome bonus for card_name within the last 24 months.
Card Details And Benefits
Anniversary Bonus Points

Earn a $100 statement credit plus 10,000 bonus points after spending $20,000 (plus one additional purchase) each calendar year.

Auto Rental Collision Insurance

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

Credits

New! Earn $50 United Travel cash annually. You will get $25 on January 1st and another $25 on July 1st. (Please note: The credit issued between January 1st and June 30th will expire on July 15th and the credit issued from July 1st through December 31st will expire on January 15th).

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.

Extra Redemption Value

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

Free Night Certificate

Get a free 1-night hotel stay every account anniversary year (for hotels that cost up to 40,000 points per night). New! You can add an unlimited amount of points to top-off the certificate above 40,000 points per night

Global Entry and TSA pre-check

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

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 account.

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

Get upgraded complimentary to IHG Platinum Elite Status.

New! You can earn IHG Diamond status after spending $40,000 plus one additional purchase on your card per calendar 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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Miles & More

*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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