Annual fee$0
Purchase APRAPR 19.49 %– 27.99 % variable APR.
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Chase makes every lending decision.
- Annual fee and first-year pricing
- ANNUAL FEE $0
- Foreign transaction fee
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
- Redemption options and restrictions
- IHG ONE REWARDS PROGRAM INFORMATION Points accrued and awards issued are subject to the terms and conditions of the IHG One Rewards program. For complete terms and conditions of the IHG One Rewards program, including all redemption values, please visit ihg.com/terms . Terms and conditions of the IHG One Rewards program may be modified and services and benefits may be added or deleted at any time without notice to Cardmembers. Individuals whose request for a credit card are not approved will not be enrolled in the IHG One Rewards program through this offer, although existing IHG One Rewards memberships will not be affected. Additional authorized users will not be enrolled in the IHG One Rewards program as a result of this offer. IHG One Rewards points awarded through the use of the authorized user’s card will only be credited to the Primary Cardmember’s IHG One Rewards account. Review the IHG One Rewards Privacy Statement at ihg.com/terms . Starting in 2027, spend $5,000 on purchases in a calendar year and unlock a 4th Reward Night free when you redeem points for a consecutive four-night stay. * This benefit will be available for the remainder of the year you qualify and the subsequent calendar year.
- Bonus eligibility and restrictions
- This product is available to you if you do not have any personal IHG One Rewards Credit Cards and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products. This credit card is not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card, or (ii) previous cardmembers of any personal IHG One Rewards Credit Card who received a new cardmember bonus for any personal IHG One Rewards Credit Card within the last 24 months.
- Purchase protection and extended warranty
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. Specific limitations apply to New York residents: Lost Luggage Reimbursement – additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip. Purchase Protection – coverage period is 90 days from the date of purchase.
- Membership, location and eligibility
- Receive a monthly $10 Instacart credit, up to $120 annually, plus a complimentary 3-month Instacart+ membership. * Service fees and terms apply. Membership auto-renews at $99/yr. Active Instacart+ membership is required to receive your $10 monthly credit. Benefits end 12/31/27. *
Recorded from Chase’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
