Best Credit Cards For IHG Points

Looking for the best cards to earn IHG Points? Enter your spend across categories for a list of credit cards that offer the best returns and most points.


If you're looking to maximize your earnings in the IHG Rewards Club program, your best bet is going to be using the IHG Rewards Premium Credit Card as it will give you 4 IHG Points per £1 spent at IHG hotels, 4 IHG Points per £1 internationally, and 2 IHG Points per £1 spent on everything else. The second best choice would be the no-annual fee version which earns at a lower rate of 2 IHG Points per £1 spent at IHG Hotels and internationally with 1 IHG Point per £1 spent on everything else.

ihg credit cards

If you're a fan of Virgin Atlantic, you can transfer your Flying Club Miles directly to IHG Rewards Club. Just be aware that the value of Virgin Atlantic Miles are typically more than IHG Points so you may lose some value.

Lastly, you can use American Express Membership Rewards Credit Cards to earn IHG Points via a double point transfer. You can transfer your AMEX Points at a 1:1 ratio to Virgin Atlantic Flying Club and then transfer those points to the IHG Rewards Club program, also at a 1:1 ratio.

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 Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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 value in cents ($0.0XXXX) or regional equivalent.

Bank (Holder)

The bank issuing the card. [Populates After Search]

Network

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]

Personal/Business

Toggle switch for displaying personal and business cards. Mixed/Combos are pairs of 2 or more cards that are featured on the site. 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.

Results

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. Credit cards with negative returns may also appear in this list, but be sure to consider the perks of the card before canceling it out as an option!
Results Will Appear Here

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