Fees and rates
Annual Percentage Rate (APR)
IHG® Rewards Club Premier Credit Card Reward Program
Earn 10 points per $1 spent on purchases when you stay at IHG® hotels.
Earn 2 points per $1 spent on purchases at gas stations grocery stores and restaurants.
Earn 1 point per $1 spent on all other purchases.
Ways to redeem: 1)reward nights; 2)purchases; 3)gift cards; 4)airline miles; and others.
No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
No Penalty APR
This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.
Baggage Delay Insurance
Baggage Delay Insurance. Should your bags be delayed, this credit card can cover the cost of purchasing essential items.
Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.
Lost or Stolen Baggage Insurance
Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.
Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.
Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.
Trip Cancellation Insurance
Trip Cancellation Insurance. You can have your non-refundable fees refunded if your cancellation reason meets certain criteria determined by the credit card company.
Trip Interruption Insurance
Trip Interruption Insurance. You can claim up to 150% of your unused, prepaid trip costs if it was for a qualified reason.
Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.
Emergency Card Replacement
Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.
Identity Theft Protection
Identity Theft Protection. This monitors the internet to see if your personal information is being bought, sold or traded online. This covers your credit card information, driver’s license, social security number, or other sensitive or personally identifiable information.
Sign Up Benefits
IHG® Rewards Club Premier Credit Card allows you to pay off part or your entire bill with a Statement Credit offered as a sign-on bonus.
For example, you have a credit card which offered a $200 statement credit. In order to get it, you have to make purchases totaling $1000 or more within the first 90 days of opening the card. You spend $1100. When you get your credit card statement for the month following the introductory period, your bill will be reduced by $200. So if your credit card bill is $500, you will only have to pay $300.
Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.
0 Annual Fee 1st Year
No Annual Fee for the First Year. This credit card company waives its annual fee for the first year. You’ll get a year to decide if the card is worth the fee before you have to renew.
No Foreign Fees
No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.
Travel Credit. This credit card can give you credit for flight-related purchases. This means you can save money on airline tickets, upgrades, checked baggage costs, and other items.
Credit Score Needed For IHG® Rewards Club Premier Credit Card
Your best chance of being approved for this credit card involves having a credit score 651 - 750. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.
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