Best Credit Cards For IHG Points | The Point Calculator

Best Credit Cards For

IHG Points

The best credit cards for earning IHG Points will be IHG's own credit cards, but you can also use Chase Ultimate Rewards and Cash Back cards to earn more!

The best credit cards for earning IHG Points on spend at IHG hotels by a long shot will be the IHG Premier Card and IHG Traveler Card. Both cards earn 10x and 5x IHG Points per $1 spent at IHG and offers complimentary elite status which will earn you even more points. Neither card can be beat by any transfer partner credit cards.

The next best program for transferring points to IHG will be the Chase Ultimate Rewards program and this will only be in certain instances. For example, the Chase Sapphire Reserve is the Best Credit Card For Lyft due to earning a whopping 10x points per $1 which transfers to IHG at a 1:1 ratio giving you 10x IHG Points. Add on the 3x dining and 3x travel the Reserve earns and you've got a great card for earning IHG Points.

chase sapphire reserve lyft
On top of earning 10x points, the Chase Sapphire Reserve also offers benefits with Lyft as well as benefits with DoorDash.

If you have at least one Ultimate Rewards Credit Card, you can convert Chase cash back into Ultimate Rewards Points. This gives you the ability to earn IHG Points with their cash back cards such as:

I wouldn't recommend grabbing up Chase credit cards specifically for IHG (outside of the Lyft/Travel/Dining example) unless it made since to do so since all of Chase's Ultimate Rewards credit cards have annual fees. But if you dabble in IHG a lot, siding with Chase over AMEX and Citi would be the better route to take. That way, you can top off your IHG Rewards Club account whenever you need to and still use your Chase Ultimate Rewards Points for airlines and other hotel programs if you wish.

Best Credit Card Calculator

This calculator will give you a list of the best credit cards for earning IHG Points based on your monthly, yearly, or quarterly spend across different categories. Results will include credit cards that earn IHG Points directly and credit cards that earn rewards that are transferable to your IHG Rewards Club account.

Credit Card Search Types

Best Cards By Estimated Return - Get a list of credit cards that gives you the best return. This is based on spend, currency value, annual credits, and annual fees.

Best Cards By Total Points - Get a list of credit cards that earns you the most points/miles based on spend. Currency value, annual credits, and annual fees are not factored into this search. Great for those who get waived fees (i.e. military).

After your results are displayed, I recommend clicking on a card's Rewards Calculator. This allows you to come up with a more accurate number by adjusting the cash value of perk, being able to calculate spend bonuses & other savings, add in sign up bonuses, toggle annual fees and authorized user fees, and much more. You'll also be able to compare the results side by side any credit card featured on the site!

Click on Rewards Calculator to compare credit cards side by side based on spend, benefits, and fees. You can also change any credit card to reflect transfer partner ratios (when applicable).

Add/Remove Categories

Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can click Add/Remove Categories to adjust the listed categories. You can hit Calculate to calculate the results of your spend against all cards in the database.

Currency Value

You can input how much you value the currency per cent and the results will give you the estimate return based on spend, value, annual credits, and annual fees. This field has no effect on the Best Cards By Total Points search.
Input X.XXX cents or $0.0XXXX.


Select the region of the cards you want displayed in the results. Please note that all credit cards may not be accounted for in each region.

Bank (Holder)

The bank issuing the card. [Populates After Search]


The network the card is tied to. [Populates After Search]

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, and bank rewards cards. [Populates After Search]


Toggle switch for displaying personal and business cards. Mixed/Combos are pairs of 2 or more cards such as the AMEX Trifecta, Chase Trifecta and others. They can consist of a mix of personal and business cards.

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar (or local currency) when you use the card outside of it's region.


Do note that results may take a few seconds to generate after doing a search. For more accurate results, I recommend using the Rewards Calculator. Some credit cards may appear in this list more than once if there's more than one path to transferring rewards.
Results Will Appear Here

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Page Last Updated: 2020-05-12
Article By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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