Chase IHG Rewards Club Select Credit Card

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Chase IHG® Rewards Club Select Credit Card
This card is no longer available for new applications


$49 Annual Fee

FM Mini Review: Those free night certificates issued before 5/1/18 are redeemable at any IHG property, but those issued after 5/1/18 are restricted to properties up to 40K per night. For only $49 per year, this still a good card to keep, but not to use for spend


Card Type: Mastercard World Elite

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants

Noteworthy perks: ⚬ Annual free night e-certificate good at IHG properties up to 40K points per night (for certificates issued after 5/1/18) ⚬ Automatic 10% point rebate ⚬ Platinum elite status.

See also: How to find the best IHG signup offer: 80K points plus $50

Overview

The Chase IHG card offers 5X points at IHG; 2X gas, grocery, and restaurant; and 1X everywhere else. But, since points tend to be worth much less than 1 cent each, I don't recommend using this card for spend. This card is good for its perks alone:

  • Annual free night e-certificate good at IHG properties that cost up to 40,000 points per night for certificates issued after 5/1/18
  • Automatic 10% point rebate on awards
  • Automatic Platinum elite status

Those free night certificates issued before 5/1/18 are redeemable at any IHG property, but those issued after 5/1/18 are restricted to properties up to 40K per night. For only $49 per year, this still a good card to keep, but not to use for spend.

Application Tips

Chase Application Tips

  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.
  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.
  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days
  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.
  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.
  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards

Related Cards (IHG)

Chase IHG® Rewards Club Premier Credit Card
140K Points
140K after $3K in the first 3 months

No Annual Fee First Year, Then $89

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