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IHG® Rewards Club Premier Credit Card could be the card for you if you travel regularly. Brimming with exclusive IHG® perks and packed with a generous new cardmember offer, this credit card will help you save money on your travels. It rewards you with IHG® Rewards Club points on all purchases you make no matter whether you are spending at any of the 5,200 participating IHG® properties worldwide or if you are dining at your favorite restaurant. There is no limit to how many points you can accrue and your points do not expire - the more you use your card, the more rewards you can look forward to. There are no foreign transaction fees and you get to benefit from a Global Entry or TSA Pre✓® fee credit thrown into the mix despite having a very reasonable $89 annual fee.

Here, GET.com provides answers to key questions about how IHG® Rewards Club Premier Credit Card works and what it offers.

Apply for IHG® Rewards Club Premier Credit Card at the official Chase website

Frequently Asked Questions About IHG® Rewards Club Premier Credit Card
Do I get a welcome bonus if I go for this card?
Is this a good rewards credit card?
Are there ways to earn additional rewards points?
Do I get any special benefits from this card?
Does this card have an annual fee?
Is this a good card for international spending?
Is this card good for purchases?
Is this card good for taking cash out of the ATM?
Will my rewards points expire?
Is there a penalty if I pay late?
Can I get this card even if I have bad credit?
Do I get access to my credit score?
Who is this card for?

Questions And Answers For IHG® Rewards Club Premier Credit Card

Question: Do I get a welcome bonus if I go for this card?

Answer: Yes, IHG® Rewards Club Premier Credit Card lets you earn 100,000 bonus points after you spend $3,000 within the first 3 months of account opening. Take note that this new cardmember bonus will not be made available to current cardmembers of this card or previous cardmembers of this credit card who had received a new cardmember bonus for this card within the last 24 months.

Question: Is this a good rewards credit card?

Answer: Yes, this credit card lets you earn rewards on all your spending, literally anything and everything under the sun. IHG® Rewards Club Premier Credit Card lets you earn 10 points per $1 spent when you stay at any of IHG®'s 5,200 properties worldwide; 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants; and 1 point per $1 spent on all other purchases. The IHG® portfolio of properties where you can earn points on your purchases include InterContinental® Hotels & Resorts, InterContinental Alliance® Resorts, Kimpton®, Crowne Plaza®, Hotel Indigo®, Holiday Inn®, Holiday Inn Express®, Holiday Inn Resort®, Holiday Inn Club Vacations®, Staybridge Suites®, Candlewood Suites®, EVEN™ Hotels and HUALUXE™.

On a side note, you don't have to worry about transferring points earned on your spending to IHG® Rewards Club as all points earned during a billing cycle will be transferred to IHG® Rewards Club after the end of each billing cycle, automatically.

You can redeem your points for reward nights, gift cards, travel, shopping, digital rewards, airline miles or even use a combination of points and cash to pay for your stay at IHG® properties. You can also opt to help those in need by donating points to the IHG® Foundation.

Question: Are there ways to earn additional rewards points?

Answer: Absolutely. IHG® Rewards Club Premier Credit Card rewards you with 5,000 bonus points after you add your first authorized user and make your first purchase within 3 months from account opening. Also, you get to earn 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year.

Question: Do I get any special benefits from this card?

Answer: Yes. IHG® Rewards Club Premier Credit Card offers you a host of amazing perks, including an Anniversary Free Night at one of their eligible hotels worldwide, every year; automatic Platinum Elite status; and Fourth Reward Night free when you redeem points for any stay of 4 or more nights at eligible IHG® properties.

What's more, you get to save 20% on points purchases when you buy points with your card. Keep in mind that these purchased points are deemed as Non-Qualifying points hence will not count towards Elite qualification.

If you happen to travel a lot, you will definitely appreciate that this card offers a Global Entry or TSA Pre✓® fee credit of up to $100 every 4 years as reimbursement for the application fee charged to your IHG® Rewards Club Premier Credit Card. You are eligible to receive either a $100 statement credit per account or an $85 statement credit per account every 4 years in connection with the Global Entry or TSA Pre✓® program application fee. To make sure you receive the reimbursement for whichever program you have enrolled in, make sure to pay the application fee using your credit card.

Question: Does this card have an annual fee?

Answer: Yes, you need to pay to use this credit card. It has an $89 annual fee.

Question: Is this a good card for international spending?

Answer: Yes, IHG® Rewards Club Premier Credit Card is great for international spending because it has no foreign transaction fees on international purchases. Credit cards that come with foreign transaction fees usually charge a 3% fee for each transaction made in a foreign currency, so you get to save a lot of money in the long run if you are someone who spends a lot in foreign currencies or if you just happen to travel overseas regularly. Just to put things into perspective, a 3% fee on $5,000 in international purchases would cost you an extra $150, a fee that you can avoid safely thanks to IHG® Rewards Club Premier Credit Card.

Question: Is this card good for purchases?

Answer: Only if you pay your balance off by the due date because it doesn't have a low introductory APR on purchases. This card has a 17.74% - 24.74% variable APR on purchases and balance transfers, based on your creditworthiness. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies too. However, if you pay your balance by the due date, apart from avoiding the ongoing APR, you will benefit from earning rewards on your purchases which makes this a good choice especially if you frequently spend on hotel bookings from the IHG® portfolio.

Question: Is this card good for taking cash out of the ATM?

Answer: No, this is not a credit card you should use if you need to get cash out from the ATM. IHG® Rewards Club Premier Credit Card has a 26.74% variable cash advance APR, and a cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater.

Question: Will my rewards points expire?

Answer: No, points that are transferred to your IHG® Rewards Club account do not have an expiry date. They remain valid so long as your card account is open and in good standing and there is IHG® Rewards Club program activity for 12 straight months, depending on your status. IHG® Rewards Club Membership terms and conditions apply.

Question: Is there a penalty if I pay late?

Answer: While this credit card does not have a penalty APR, you will be penalized for making late payments. The late payment penalty fee is illustrated as follows: Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; and up to $37 if the balance is $250 or more.

Question: Can I get this card even if I have bad credit?

Answer: No, this credit card is reserved for people with excellent/good credit. You may want to pull up your credit score prior to applying for IHG® Rewards Club Premier Credit Card to stand a better chance at getting your hands on this rewarding travel credit card.

Question: Do I get access to my credit score?

Answer: No, you will not get free access to your credit score with IHG® Rewards Club Premier Credit Card. It is important that you keep track of your own credit score, though.

Question: Who is this card for?

Answer: IHG® Rewards Club Premier Credit Card is perfect for you if you travel frequently and you tend to make your stays at IHG® properties. This card rewards you on all your spending, including mundane everyday purchases, purchases at grocery stores, restaurants and gas stations, and of course, purchases at eligible IHG® properties around the globe.

Needless to say, this travel credit card comes with exclusive IHG® perks. Reward Nights and complimentary Platinum status await you. Besides money-saving travel benefits like Anniversary Free Night, Fourth Reward Night Free, and no foreign transaction fees on international purchases, you will get to enjoy a Global Entry or TSA Pre✓® fee credit of up to $100 every 4 years as reimbursement for the application fee charged to your credit card.

While it has an $89 annual fee, this fee may be worth paying if you are someone who travels fairly regularly or if you stay at IHG® properties a lot. The card's generous welcome bonus of 100,000 points (after you spend $3,000 within the first 3 months of account opening) for new cardmembers is largely appealing, too.

More about IHG® Rewards Club Premier Credit Card:
Read Our IHG® Rewards Club Premier Credit Card Review

This card offer is currently unavailable through GET.com! However, click here to check out our best rated Travel Credit Cards.