💳 Chase · Mastercard
Travel Benefits Guide 2026
Here's exactly what you get — and what you don't — when you use the IHG One Rewards Premier Credit Card for travel.
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
Get a $100 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck, NEXUS with this card.
Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US — worth every cent for international travelers.
If your trip is delayed by 12+ hours, you're covered for up to $500/person in expenses.
Covers: meals, lodging, toiletries, medication, personal use items
Up to $500 per ticket for delays of 12+ hours or requiring an overnight stay.
Must book travel with this card. Keep all receipts for reimbursement.
Reimburses up to $5,000/person (max $10,000/trip) if you must cancel or cut short your trip.
Covered reasons: accidental bodily injury, illness, severe weather, jury duty, change in military orders
Covers non-refundable prepaid trip costs up to $10,000 per trip.
Lost/stolen/damaged baggage: Up to $3,000/person
Checked bags: up to $2,000 | Carry-on: up to $3,000
Covers lost, damaged, or stolen bags. High-risk items (electronics, jewelry) limited to $500.
Delayed baggage: Up to $100/person after 6+ hours. Covers clothing, toiletries, other personal items.
✅ Emergency evacuation coordination covered (transportation costs covered).
Travel and Emergency Assistance Services: 24/7 referrals for medical, legal, and travel emergencies. Actual costs are cardholder's responsibility.
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Coverage amount: Up to $75,000
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Most countries worldwide.
Secondary rental car coverage — file with personal auto insurance first. Must decline CDW at the counter. Covers up to 31 consecutive days.
✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
IHG loyalists who want Platinum Elite status, an annual free night, and the valuable 4th-night-free benefit on reward stays — all for under $100/year
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