Chase IHG One Rewards Premier Credit Card: Everything You Need to Know

The Chase IHG One Rewards Premier Credit Card is a powerful credit card designed for those who frequently stay at IHG (InterContinental Hotels Group) properties. With valuable perks, generous rewards rates, and multiple ways to earn, this card is an excellent choice for both frequent travelers and those who enjoy luxury stays. Below, we'll dive into everything you need to know about the Chase IHG One Rewards Premier Credit Card, including its benefits, fees, how to apply, and more.

Overview of the Chase IHG One Rewards Premier Credit Card

The Chase IHG One Rewards Premier Credit Card is a travel rewards card issued by Chase in partnership with IHG. It offers members the opportunity to earn points toward free hotel stays, exclusive benefits, and other travel-related perks. Whether you're a business traveler or simply enjoy exploring the world, this card can help you maximize your rewards on stays at IHG hotels, as well as on everyday purchases.

IHG properties include well-known hotel brands such as InterContinental, Holiday Inn, Crowne Plaza, Hotel Indigo, and more, making this card valuable for those who stay at these hotels regularly.

Key Features and Benefits

1. Welcome Bonus
   One of the most enticing features of the IHG One Rewards Premier Credit Card is its generous welcome bonus. As of the time of writing, new cardholders can earn up to 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. This can provide you with enough points for several free nights at IHG hotels, depending on the category and location.
2. Earning Points
   The IHG One Rewards Premier Credit Card offers a tiered rewards system that allows cardholders to earn points in multiple categories:
   • 10x points per dollar spent on qualifying purchases at IHG hotels.
   • 2x points per dollar spent on purchases at gas stations, grocery stores, and restaurants.
   • 1x point per dollar on all other purchases.
   These earning rates are ideal for those who stay at IHG hotels regularly, as you can rack up points quickly on your stays and other everyday expenses.
3. Annual Free Night Award
   One of the standout features of the IHG One Rewards Premier Credit Card is the annual free night certificate. After your account anniversary each year, you will receive one free night at an eligible IHG hotel, which can be used at a property of your choice, subject to availability. This perk alone can make the annual fee of the card worth it for frequent travelers.
4. Platinum Elite Status
   As a cardholder, you automatically receive Platinum Elite status in the IHG One Rewards program. This status grants you a range of benefits at IHG properties, such as:
   • Priority check-in.
   • Complimentary room upgrades (subject to availability).
   • Early check-in and late check-out privileges.
   • A 50% point bonus on all base points earned during stays.
   The Platinum Elite status is a valuable perk for those who enjoy added comforts and benefits while staying at IHG hotels.
5. Global Acceptance and Security Features
   The IHG One Rewards Premier Credit Card is a Visa credit card, meaning it is widely accepted worldwide. Additionally, it comes with several security features to protect your account, such as zero fraud liability, purchase protection, and extended warranty on eligible purchases.
6. No Foreign Transaction Fees
   If you're a frequent international traveler, you'll appreciate that the card charges no foreign transaction fees. This feature helps you save money while making purchases abroad, making it an ideal companion for international trips.

Annual Fee

The Chase IHG One Rewards Premier Credit Card has an annual fee of $99. While this fee may seem like a consideration, it is important to remember that the card's benefits (such as the annual free night certificate, welcome bonus, and Platinum Elite status) often outweigh the cost, especially for frequent IHG guests.

How to Apply for the Chase IHG One Rewards Premier Credit Card

Applying for the Chase IHG One Rewards Premier Credit Card is straightforward. Here’s how you can apply:

1. Visit the Chase Website
   The first step in the application process is to visit Chase's official website and navigate to the page for the IHG One Rewards Premier Credit Card.
2. Review the Card Features and Terms
   Before proceeding with your application, take a moment to review the card’s benefits, annual fee, interest rates, and terms. This will ensure that you are fully aware of the card’s features and the commitment involved.
3. Fill Out the Application Form
   On the application page, you’ll be prompted to fill out a form with your personal details. This includes your name, address, date of birth, income, and Social Security number (for identity verification and credit check purposes).
4. Submit Your Application
   After filling out the necessary information, click the "Submit" button to send in your application. Chase will review your application and conduct a credit check.
5. Wait for Approval
   Depending on your credit history and the information you’ve provided, Chase may approve or deny your application. If approved, you should receive your card within 7 to 10 business days. You will also receive details on how to activate your card and start earning rewards.
6. Enjoy Your Benefits
   Once you’ve activated your card, you can begin using it to earn rewards on IHG hotel stays and other purchases. Be sure to log into your IHG One Rewards account to track your points and take advantage of all the available benefits.

Eligibility Requirements

To qualify for the Chase IHG One Rewards Premier Credit Card, you must meet the following criteria:

• Good to excellent credit: Chase typically requires a credit score of 700 or higher.
• U.S. residents: You must be a legal resident of the United States.
• Age: You must be at least 18 years old.

If you don't meet these criteria, you may still be able to apply for other Chase cards or consider improving your credit score before applying.

Final Thoughts

The Chase IHG One Rewards Premier Credit Card is an excellent option for travelers who frequently stay at IHG hotels or those looking to earn points toward free hotel stays. With its strong earning rates, welcome bonus, annual free night certificate, Platinum Elite status, and no foreign transaction fees, this card offers a wide range of valuable benefits. While the $99 annual fee may seem like a consideration, the benefits can easily outweigh the cost for frequent IHG customers.

If you're ready to take advantage of these rewards and perks, consider applying for the Chase IHG One Rewards Premier Credit Card today and start earning points on your travel and everyday spending!