Best Credit Cards For
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.
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:
- Chase Freedom - 5x on rotating quarterly categories
- Chase Ink Business Cash - 5x across multiple business categories
- Chase Freedom Unlimited / Chase Ink Business Unlimited - 1.5x on all purchases
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!
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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.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2020 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.