Cards
TravelChase
IHG One Rewards Premier
Key facts
Annual fee$150/yr
Rewards currencyIHG Points
Recommended creditGood credit (690+)
Global Entry / TSA PreCheckCredit included
Near all-time high offer
Current sign-up bonus
190,000 IHG points: 180,000 after $3,000 spent in 3 months, plus 10,000 for adding an authorized user in the same window (offer ends 11/18/2026)≈ $1,140 value
See full history →Reward rates
10x on IHG stays
5x Dining
5x Grocery stores
5x Gas stations
5x Direct airfare & car rentals
3% on everything else
Travel benefits
Trip Cancellation / Interruption
Reimburses up to $5,000 per traveler and $10,000 per trip for prepaid, non-refundable travel expenses if a trip is canceled or cut short due to a covered reason (e.g., sickness, severe weather, or other covered situations).
Trip Delay (Unconfirmed)
Covered per Chase's official product page, which references reimbursement of reasonable expenses when a covered trip is delayed but directs cardholders to the full Guide to Benefits for exact dollar/hour figures. Based on the shared Chase Visa Signature co-brand template (seen on the Marriott Bold/Bountiful cards), the trigger is likely 12 hours with a cap around $500 per traveler, but this specific figure is not independently confirmed for the IHG Premier card. [UNCONFIRMED — Guide to Benefits required for exact figures]
Baggage Delay
Reimburses up to $100 a day for up to 3 days when baggage is delayed.
Travel Accident Insurance (Unconfirmed)
Not confirmed. Not mentioned on Chase's official product page for this card, though the other Chase Visa Signature co-brand cards in this research batch (Marriott Bold/Bountiful, Disney Premier) each include $500,000 of common-carrier AD&D coverage as a shared template benefit. [UNCONFIRMED — Guide to Benefits required]
Purchase protections
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item (90 days for New York residents).
Extended Warranty (Unconfirmed)
Not mentioned on Chase's official IHG One Rewards Premier product page or pricing & terms document, unlike the Marriott and Disney co-brand cards researched in this batch, which explicitly list this benefit. It is unclear whether this is a genuine omission from the card or simply not featured on the marketing page. [UNCONFIRMED — Guide to Benefits required]
Other benefits
Annual Credits
DashPass Membership: up to $120, resets Annual.
Earn Rates
10 points per $1 spent at IHG hotels (up to 26X total when combined with IHG member and elite multipliers); 5 points per $1 on travel, dining, and gas station purchases; 3 points per $1 on all other purchases. Cardholders also receive automatic IHG Platinum Elite status for as long as they hold the card, an anniversary free night redeemable for up to 40,000 points, a 4th-night-free benefit on award stays of 4+ consecutive nights, 20% savings when purchasing points, and Diamond Elite status upon $40,000 in annual spend.
Welcome Bonus
New cardmembers can earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening, worth up to 4 free nights across many of IHG's 4,700+ hotels.
Lost / Stolen Baggage
Reimburses up to $3,000 per traveler for lost, damaged, or stolen baggage ($2,000 per bag for New York residents).
Secondary Rental Car (Unconfirmed)
Not confirmed. Unlike the Marriott Bonvoy Bold/Bountiful cards, auto rental collision damage waiver is not featured on IHG One Rewards Premier's official Chase product page, so it is unclear whether this card includes the standard secondary rental CDW found on most other Chase Visa Signature co-brand cards. [UNCONFIRMED — Guide to Benefits required]
Primary Rental Car (Unconfirmed)
Not confirmed either way. Rental car insurance is not mentioned on Chase's official product page for this card. [UNCONFIRMED — Guide to Benefits required]
Foreign Transaction Fee
$0. "You will pay no foreign transaction fees when you use your card for purchases made outside the United States."
Authorized User Fee (Unconfirmed)
No fee found for adding authorized users; Chase in fact offers a 10,000-point bonus for adding an authorized user who makes a purchase within the first 3 months. An explicit "$0 fee" statement was not directly quoted in sources reviewed. [UNCONFIRMED — Guide to Benefits required for exact wording]
Best for
HotelsDiningGroceriesGasFlights
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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