💳 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.
Credit card trip insurance typically doesn't cover medical emergencies abroad. For international trips, dedicated travel health insurance is recommended.
Browse travel health guides by country →✅ 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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