Review of the Priority Club Visa

Summary - The Priority Club Visa will appeal to frequent guest members of InerContinental Hotel Group Priority Club Rewards program. This card allows you to earn 3 points for every dollar you spend at InterContinental Hotels. Find out more about this card....

Reward Formula - The Priority Club Visa allows you to earn three points for every dollar you spend on all InterContinental Hotels Group purchases and 1 point for every $1.00 spent on all other purchases. ("InterContinental Hotels Group Net Purchases" means purchases at any InterContinental Hotels Group owned, operated, or franchise hotel including these brands: InterContinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Holiday Inn Express, Staybridge Suites, and Candlewood Suites.). New cardholders will get 15,000 bonus points after their first purchase on the card.

Annual BonusAs a one-time bonus Annually ("Annually" means the year beginning with your Enrollment Date through the next twelve months, and each twelve months thereafter), once you reach $15,000 or more in Net Purchases, and you make one additional purchase within that year, you will receive 10,000 bonus points.

Fees - The annual fee for the first year is waived. Thereafter, it becomes $29.00. The apr is at prime rate plus 7.99% and the average daily balance method (including new purchases) is used to calculate monthly balance. You also get an introductory 0% apr for both purchases and balance transfers for 6 billing cycles.

Verdict - We recommend the Priority Club Visa to members of InterContinental Priority Club Rewards members as it allows you to earn faster points for your next hotel stay.

Positives

Earn 3 points on purchases at InterContinental affiliated hotels

15,000 bonus points

Anniversary bonus for those that spend more than $15,000 a year on the card

Priority Club Visa
Reward Benefits
Sign-on Bonus	15,000 bonus points
Point Accumulation	Earn 3 point per $1 on all InterContinental Hotels Group Earn 1 point for every $1 spent on other purchases
Blackout Dates	None
Transfer Points to Airmiles	Yes
Points Expiration	none
Caps on points	None
Travel and Insurance Benefits
Up to $500,000 Travel Insurance Auto rental insurance Travel and emergency Assistance
Other Benefits
Warranty Manager Zero liability on unauthorized purchases Emergency cash and card replacement Lost/Stolen card reporting
Cost/Fees/Interest rates
Introductory rate	0% fixed APR for first 6 billing cycle (purchase and balance transfer)
Annual Fees	$29.00 - First Year Fee is waived
Purchase APR	Prime Rate plus 7.99%
Balance Transfer APR	Prime Rate plus 7.99%
Cash Advance APR	Prime Rate plus 15.99%
Penalty/Default Rate APR	Prime Rate plus 23.99%
Min Finance Charge	$1.00
Grace Period	20 days
Balance Calculation Method	Average Daily Balance (including new purchase)
Balance Transfer Fee	3%, min $5.00, max $75.00
Other Cash Advance fee	3% min $10.00
Over-the-credit-limit fee	Non for signature cardholders $39.00 for Platinum cardholders
Late Payment fee	$15.00 - up to but not including $250 $39.00 - $250 or greater