Chase IHG Credit Card (2017.7 Updated: 80k+5k Public Offer & 100k+5k Targeted Offer!)

Chase IHG Rewards Club Select Credit Card Review

Application Link:

Features:

  1. Get 80k IHG Points after $1000 spending in 3 months. Get 5k additional miles after adding an authorized user on your account. 
  2. IHG points are valued around 0.7 cents (Hotel Points Value). IHG free night award chart can be found here. As a card member, you will also get 10% points reimbursed after redeeming free nights. Taking this into account, the 80k+5k offer is valued at around $661 and the 100k+5k offer is roughly $817!
  3. Receive a free night every year after your account renewal anniversary date. It is available for redemption at any IHG property. A great choice is to use it for free night at Intercontinental Hotels.
  4. Receive 5x points at IHG property. 2x points at dining, supermarket and gas station. All other purchases earn you 1 point per dollar spent.
  5. Complimentary IHG Platinum Membership. Note that after 2015.6, the sign-up bonus earned by this card doesn’t count towards Elite Qualifying Points for IHG Spire, but the points earned by spending still count.
  6. No foreign transaction fee.

Disadvantages:

  1. Annual fee $49, waived fist year.
  2. Free night is only valid for one year.

Summary:

Besides numerous sign-up bonus points, the anniversary free night might be the most attractive reason for keeping this card. You pay only $49 each year but can get a free night at any IHG property which can be valued at more than $300. So, for almost everyone, we strongly recommend keeping this card long term, and paying $49 per year to get the free night.

Best Downgrade Option:

  • You can downgrade it to a IHG card with no annual fee, but you will lose the annual free night certificate. The annual free night certificate is way more valuable than the annual fee, so we recommend to keep this card.

Recommended Application Time:

  1. This card is not affected by the 5/24 rule for now.
  2. You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

After Applying:

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be handed in to the branch or be faxed.

Historical Offers Chart:

Application Link:


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