IHG Rewards Club Credit Card review 2020

Last updated:  

Designed for full-time travellers, this credit card multiplies the value of the InterContinental Hotels Group loyalty programme.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).

22.9%

Representative APR

12 months

0% interest on balance transfers

£0

Account fee

Up to 10,000 points

Intro bonus

Details

IssuerCreation Financial Services
NetworkMastercard
Rep. APR22.9% (variable)
Annual/monthly fees£0
Loyalty schemeIHG Rewards
IncentiveReceive 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad.
Incentive on opening10,000 IHG Rewards Club bonus points when spend £200 in first 90 days of account opening
Additional Rewards InfoInterContinental Hotel Group Gold Elite Status on opening account with following benefits: 10% extra bonus points on top of usual points, priority check-in on guaranteed reservations, extended check-out, no black-out dates on Reward nights and a dedicated customer service line.
Purchases22.9%
Purchases interest-free period (days)50
Balance transfers0% for 12 months reverting to 22.9%

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you travel quite often, be it for work or for pleasure, you’ve probably spent at least a few nights at an IHG (InterContinental Hotels Group) hotel – given that the group includes some of the most well known hotel chains in the world, such as Holiday Inn and Crowne Plaza. Frequent customers may want to take a look at this credit card, that makes it remarkably quicker and easier to earn IHG Rewards to treat yourself with free hotel nights or airline miles.

Normally, with the IHG loyalty programme, you only earn points when you spend at IHG or its partners, for example, you get 10 points for every £1 you spend at most IHG hotels. However, with the IHG Rewards Club Credit Card you’ll earn additional points every time you use it, no matter what for. You can redeem the points for a variety of prizes, from hotel bookings to retail gift cards to car rentals.

Other perks include priority check-in, extended check-out and a dedicated customer service line.

Aside from the benefits dedicated to the travel addicted, this credit card’s financial features earn it a decent place in the overall credit card market. There’s no annual fee and, provided you don’t carry a balance from month to month, you’ll enjoy up to 50 days of 0% interest on your purchases each billing cycle.

If you’re carrying a balance on another card and you’re considering moving it because of the interest it’s costing you, this card may have something in it for you. If you do a balance transfer, you’ll enjoy a 0% rate on it for 12 months. However, there is a balance transfer fee of 3% (min. £3) to consider, and if you don’t clear your balance in full within that time, any outstanding balance will start to accrue interest at the card’s standard rate.

As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Pros and cons

Pros

  • A year of 0% interest on balances transferred to focus on reducing your card debt
  • Earn points on day-to-day spending
  • Up to 10,000 points introductory bonus
  • No annual fee

Cons

  • Minimum annual income requirement of £10,000
  • Applicants with low credit scores are unlikely to be eligible
  • You may be offered an opening credit limit as low as £100

Compare cards that earn IHG Rewards Club points

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Link Incentive Representative example
IHG Rewards Club Credit Card Mastercard
10,000 points
1 point per £1 spent
£0
22.9% (variable)
More Info
Receive 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
loading

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Link
M&S Bank Transfer Plus Mastercard
500 points
1 point per £1 spent
1 point per £5 spent
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
More Info
M&S Bank Reward Plus Mastercard
2,500 points
2 points per £1 spent
1 point per £5 spent
£0
19.9% (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
More Info
M&S Bank Shopping Plus Mastercard
500 points
1 point per £1 spent
1 point per £5 spent
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
More Info
American Express Platinum Cashback Everyday Card
£100
1% cashback
1% cashback
£0
22.2% (variable)
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Go to site
More Info
American Express Rewards Credit Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Go to site
More Info
British Airways American Express Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Go to site
More Info
loading

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0371 376 9214), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the IHG Rewards Club Credit Card

If you’ve compared credit cards and decided that with your nomadic lifestyle this card is definitely worth your while, you can apply online.

Be prepared to provide both your personal (such as address history) and financial (such as annual income) details. The application will start with a so-called “soft check” – it will tell you how likely you are to be accepted for the card, without impacting your credit score.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site