Posted by William Charles on April 5, 2018
Credit Cards

Published on April 5th, 2018 | by William Charles

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Chase IHG Premier & IHG Traveler Cards – Application Links Now Live

Update: Application links are now live. Traveler card worse than expected, requires $10,000 in spend for gold status but really a minor detail given how bad the card is. This is a true devaluation across the board when it comes to IHG credit cards.

Chase has updated their website and it now contains mention of two IHG credit cards:

Let’s take a look at each card in more detail.

Chase IHG Premier Card

  • Annual fee of $89 (not waived first year)
  • Sign up bonus of 80,000 points after $2,000 in spend within the first three months (you can also get another $50 statement credit by doing a dummy booking)
  • 5,000 bonus points after you add an authorized user and they make their first purchase
  • Card earns at the following rates:
    • 10x points per $1 spent on IHG properties
    • 2x points per $1 spent on gas stations, grocery stores and restaurants
    • 1x points per $1 spent on all other purchases
  • Free night certificate on card anniversary, this is limited to properties that cost 40,000 or fewer points
  • Automatic Platinum elite status
  • Fourth Reward Night Free on any stay of 4 or more nights
  • 20% discount when purchasing points
  • Global Entry or TSA PreCheck fee credit
  • 10,000 bonus points when you spend $20,000 or more and make one additional purchase each account anniversary year

Chase IHG Traveler Card

  • Annual fee of $29 (not waived first year)
  • Sign up bonus of 60,000 points after $2,000 in spend within the first three months
  • 5,000 bonus points after you add an authorized user and they make their first purchase
  • Card earns at the following rates:
    • 5x points per $1 spent on IHG properties
    • 2x points per $1 spent on gas stations, grocery stores and restaurants
    • 1x points per $1 spent on all other purchases
  • Gold elite status when you spend $10,000 on your card each calendar year
  • Fourth Reward Night Free on any stay of 4 or more nights
  • 20% discount when purchasing points

Card Benefits

These benefits apply to both cards.

Fourth Night Free

For every reward night stay of 4 or more nights, the fourth night is free. Must be at the same property, you will be charged for the first three nights and then the fourth night will be charged 0 points (e.g it’s not a rebate so you can book if you only have enough points for three nights).

20% discount when purchasing points

When purchasing points you’ll receive a 20% discount when using this card.

Our Verdict

Overall both cards are disappointing, especially when compared to the previous card. The Premier card has had the annual fee increased by $40 and the only material benefit compared to the old card is the fact it earns 10x points per $1 spent at IHG instead of 5x (it does now have fourth night free, but no 10% rebate and I’d argue that is more valuable to a lot of people). The free night certificate has been gutted and now only applies to properties that cost 40,000 points or less per night.

I can’t see any reason to hold the Traveler card, it basically has no real benefits and still carries a $29 annual fee. I guess some people might get some value out of the fourth night free benefit/20% points discount but in that case you’d need to ask yourself it it’s worth paying the extra $69 in annual fees to get the free award night on the Premier card. I’m actually quite surprised that they are requiring $10,000 in spend on the Traveler card to get gold status. Nobody is going to do that, or at least nobody should be doing that.

Overall I think most people will find that these cards are now in the sign up and then cancel category. Even that might not be a popular option given that they are no longer waiving the annual fees the first year. Keeping the Premier card long term might make sense if you really get value out of the free night certificate, but that’s far from the easy decision it once was. It’s also worth remembering that Chase mentioning an ‘exciting upgrade opportunity’ for existing IHG cardholders, still no clue what that opportunity will be, I guess it means that existing cardholders won’t be automatically product changed. If that’s the case then keeping the Select card long term might make sense given how superior it is to these lackluster cards.

F.A.Q

Am I eligible for the sign up bonus?

The terms on both cards state the standard ‘This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months’ language. Given that nobody is a current or previous cardmember of either card, you should be eligible for both sign up bonuses. Chase might consider existing/previous IHG Select cardholders as falling under this rule, but according to the fine print this shouldn’t be the case.

Does the 5/24 rule applied to these cards?

No hard data points yet, it didn’t apply to the previous IHG card. Update: One datapoint shows that the Premier card doesn’t fall under 5/24.

Is the old IHG card still available?

Yes, this application link is still working. Don’t forget to ask for a match to the 80,000 point offer if you do apply.

Can I use my free night as part of the fourth night free benefit?

Both cards come with ‘Fourth Reward Night Free’ benefit. The fine print specifically talks about point redemptions, e.g (emphasis mine):

Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property

So I believe that you won’t be able to use the free night in conjunction with this benefit.

Can I hold the old select card and the new cards?

According to this datapoint, yes. Another DP here.

Can I get multiple free night certificates by holding Premier & Select cards?

Not entirely clear, but I don’t see why it wouldn’t be possible.

Can I apply for both of the new cards?

You can, still waiting on approval/denial data points though.

Do I receive the 20% discount on points purchased when paying for a cash + points stay?

This isn’t specifically addressed in the fine print. If we find an answer we will update.

I see mention of other IHG cards, what are these?

I assume you’re looking here. Those are old IHG cards that have been discontinued unfortunately.

Hat tip to reader Boxy

 



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Avi
Avi

I don’t see anything referencing an annual free night for the Traveler card on the Chase site unless I missed it. It’s a useless card without it, in my opinion.

Alvin
Alvin

Second this. Didn’t see it mentioned the free night.

Harris
Harris

Same here

Seeni
Seeni

i am hoping we will get opportunities to downgrade the current IHG card to Traveler version in the coming months, assuming the AF for Traveler card will be less than current IHG card.

Bob
Bob

There is already a no AF card for IHG right now that you can downgrade to

Steve
Steve

What card is that?

as
as

I closed old IHG card a month ago, then can I get two new IHG card sign up bonus if it is approved? will those new card be regarded as different cards?

Robert
Robert

Same question

michael
michael

hi, did anyone get an email from chase regarding taking a survey about the IHG card?

Disregard. The survey was dumb.

Dave Hanson
Dave Hanson

But wait, there’s more! 4 additional IHG cards, including 2 business cards: https://www.chase.com/personal/credit-cards/ihg/other-cards/other-ihg-cc

AndrewOnTheRoad

Just realized my existing IHG card loses the unrestricted free night cert (MAJOR devaluation) without even gaining that whole 4th night free on award stays. Basically zero benefit to keep it except for me length of accoint history with it. :-/

Lrdx
Lrdx

Downgrade to $0 After version.

Jeremiah
Jeremiah

You still get the lower AF and the points rebate.

Gene
Gene

In reality… no one is going to put any significant spending on either of the two cards anyway….

Dan
Dan

anyone know if the 4th night free can be used in conjunction with a free night certificate? Ie. 1 free night cert + 2 nights paid with points + 1 free night

ian
ian

i recommend anyone not interested in these cards to downgrade asap to the IHG no annual fee card which may soon no longer be available. gives gold elite status forever with no spend requirement..

ian
ian

also, the traveler card requires $10,000 annual spend for Gold status- the current no fee card has no spend requirement

Jeremiah
Jeremiah

IHG gold status is absolutely useless though.

I don’t think it makes sense to downgrade until we see what kind of upgrade offer, if any, Chase offers.

Jim
Jim

Do nothing now! Call and speak to senior rep about your existing ihg card and the devaluation. Get some retention bonuses. Such as free nights or $ credits and then cancel the card.

Alex
Alex

I’ve tried this but they wouldn’t give any $ or free nights.

Rob
Rob

Ditto. Called in a few times, no go with any rep or supervisor.

KP
KP

Nice burn in the last paragraph lol. So disappointed with this offer. They just nerfed this card so much it’s damn near useless. I’ll stick to Hystt and Marriott.

MarkJ
MarkJ

Just FYI, I received the same letter on my platinum IHG and it did not mention a future option to upgrade.

Chong786
Chong786

When did you get the card??
It seems like people who had ihg card more than a year received the letter with “upgrade offer coming soon”

This might be due to CARD act. Banks cannot raise AF in a first year

bob
bob

via SM with Chase – i’m told my AF will stay at $49, but going forward, the Annual Night will be 40K-restricted. I got this year’s certificate already, so it’s good anywhere.

I think i’ll keep the card as long as it stays at $49/yr.

Rod
Rod

Is the “fourth night free” limited to sub-40,000 point properties?

boomX
boomX

Application links now active on IHG.com

IHG® Rewards Club Traveler Credit Card – https://creditcards.chase.com/a1/ihg/premieraep?CELL=6S0P&cm_sp=OSMAM-6C-US-EN-HPH1-A-MNR-80K-FRJQ-S0P-ChasePremier

IHG® Rewards Club Premier Credit Card – https://creditcards.chase.com/a1/ihg/traveleraep?CELL=6S0P

CM

I don’t think anyone noticed that the annual fee is no longer waived for the first year on these newer versions.

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