IHG® Rewards Club Premier Credit Card

No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.

For Example:

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.

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. Should your bags be delayed, this credit card can cover the cost of purchasing essential items.

Cell Phone Protection. It’s purchase protection specifically for your phone, protecting against damage and theft. To be eligible, the phone must have been purchased using an eligible card.

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. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.

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.

Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.

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. You can claim up to 150% of your unused, prepaid trip costs if it was for a qualified reason.

The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.

Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.

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.

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 Blackout Dates. With this credit card, you avoid dates when travel rewards and other special discounts and promotions are unavailable.

No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.

Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.

Travel Discounts. That credit card in your wallet can give you discounts on your next vacation: flights, hotels, or car rentals. You may also get discounts on tickets for attractions, like museums, theme parks, and other experiences.