Unlocking IHG Credit Card Eligibility Insights

Author: Jessica Monroe Category: en
Unlocking IHG Credit Card Eligibility Insights

Unlocking IHG Credit Card Eligibility Insights

If you’re buzzing with excitement about those enticing IHG credit cards, brace yourself for a rollercoaster of eligibility intricacies. Chase and IHG have generously crafted three co-branded credit cards, and like any grand symphony, there’s always a little confusion in the eligibility overture. So, without further ado, let’s jump into the juicy details.

Chase IHG Rewards Credit Card: The Essentials

To set the stage, let’s spotlight the annual fees and delightful welcome bonuses of the trio of IHG credit cards currently ushering in new applicants:

  • First up, we have the IHG One Rewards Traveler Credit Card. This gem boasts no annual fee and winks at you with a whopping 120,000 points bonus for spending $2,000 in your first three months. Sounds dreamy, right? Just remember, this enticing offer exits stage left come July 23, 2025.
  • Next, the IHG One Rewards Premier Credit Card stands tall with a $99 annual fee. But don’t fret; it rewards your loyalty with five free nights after a $5,000 spend, each valued at up to 60,000 points. Fancy a night out?
  • For those with business swagger, the IHG One Rewards Premier Business Credit Card is your companion, offering 140,000 points for a $4,000 spend over three months. Sure, it’s also $99 annually, but with that kind of entry, who’s complaining?

There’s also the IHG Rewards Select Credit Card with a cozy $49 fee. Although it’s been hiding behind closed curtains for new card members, some loyalists still cling to its legacy shine.

Note: The info about the IHG Rewards Club Select Credit Card is courtesy of OMAAT, and not blessed by the issuer themselves.

Diving deeper, let’s talk about the nuances between personal and business card bonuses—trust me, it’s a storyline worth exploring.

IHG Rewards Personal Card: Who Makes the Cut?

Here’s the lay of the land for IHG personal card seekers: Getting that welcome bonus isn’t just a walk in the park. You won’t snag the bonus on the IHG Rewards Premier or Traveler Cards if:

  • You’re already cozy with any IHG Rewards personal card. That’s right; the Premier, Traveler, or even the elusive Select are off-limits.
  • Within the last 24 moons, you’ve scored a new card member bonus on any IHG personal card. Don’t fret—business cards don’t spoil the fun here.

To break it down, it’s a one-card show—Premier or Traveler, not both. And, alas, if you cherish the Select Card, bidding for a bonus on the others is a dream deferred.

If you’ve recently bid adieu to an IHG personal card, patience is your friend. It might take a month or so for your absence to register. Consider it a graceful exit before making a comeback.

IHG Rewards Business Card: Your Time to Shine

If the business world is your oyster, then eligibility for the new IHG Premier Business Card stands independent of the personal card fray. Alas, you’re out of the running for the bonus if:

  • You’re already clasping this illustrious card.
  • You sipped the card member bonus potion in the last 24 months.

Clarity is key here: it’s entirely possible to garnish your wallet with both the Premier and Premier Business offerings, standing tall in mutual exclusivity to the personal cards. Enjoy a visit to Val Seny ski resort with travel bonuses!

Chase Credit Cards: The Fine Print

Every masterpiece has its finer details, and Chase’s general rules are no exception:

  • The infamous 5/24 rule—don’t expect a warm welcome if you’ve opened five or more new accounts in the past 24 months. Though rumors circulate this rule is taking a backseat lately.
  • Chase’s approach is admirably laissez-faire; no exact cap on your card holdings. But do watch that overall credit extension line.
  • The magic number? You can cozy up with two Chase cards every 30 days. But tread lightly—going beyond for business applications might not end in applause.

Keep in mind these rules can unfold differently depending on your previous card adventures, the bonds you share with Chase, and your mysterious credit aura.

What’s in a Score? Decoding Credit Needs

So, what dunce score cuts it for an IHG card with Chase? While there’s no scroll of commandments, I’d say plant yourself in the “good” to “excellent” garden for favorable winds.

In my humble estimation, if you’re south of the 700 mark, it might be a rough ride. Sitting pretty at 740 is the sweet spot. That said, those with scores who could pass as low as satisfactory have been approved, while even some upper-tier scores have glanced by. Income, credit history, and how much Chase already loves you can tip the scales.

Word on the street? IHG cards are friendlier gatekeepers compared to other Chase co-stars, and that’s a refreshing breath of air.

Pulling It All Together

The IHG rewards treasure trove from Chase is glistening with opportunity. For newcomers, a strategy of dual wielding both the IHG Premier and Premier Business Cards may well be your ticket to bountiful rewards and perks aplenty.

The headline act? Personal cards’ bonuses are an exclusive affair, meaning your options dwindle if you already embrace an IHG personal card or collected a new card member bonus within the last two years.

For those who’ve ventured into the IHG credit card maze, how was the approval experience for you?

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