IHG Rewards Club Premium Credit Card Calculator

Card Details & IHG Points Calculators
4x IHG
4x International Spending
2x Non-Category
Complimentary IHG Platinum Status
Anniversary Night w/ Spend

Calculate how many IHG Points you can earn with the IHG Rewards Club Premium Credit Card based on your spend and compare against top rewards cards.

Bonus Categories

The IHG Rewards Premium Credit Card features two bonus categories that will net you extra IHG Points. Those categories are IHG hotels and international spending. There's no limit to the amount of IHG Points you can earn spending in these bonus categories and no limit to the amount of IHG Points you can earn with the IHG Rewards Premium Credit Card overall.

  • 4x IHG Hotels
  • 4x International Spending
    • This is any spend that is outside of the UK.
  • 2x Non-Category
    • This is all non-IHG spend in the UK.

Perks & Benefits

The IHG Rewards Premium Credit Card comes with complimentary IHG Platinum Elite status as well as the change to earn an annual anniversary night with spend.

  • Complimentary IHG Platinum Elite Status
  • Anniversary Night Voucher
    • Receive a free night voucher every year that you spend at least £10,000 by your anniversary.

Sign Up Bonus (SUB)

The standard sign up bonus for the IHG Rewards Club Premium Credit Card is 20,000 IHG Points after you spend £200 in the first 3 months of opening your account. The card also comes with 0% on balanec transfers made within the first 3 months of opening, with no interest to pay for the first 12 months.


Annual Fee

The IHG Rewards Premium Credit Card has an annual fee of £99. If you're able to obtain the free night, that will easily cover this fee. There's also great value in having IHG Platinum Elite status.

Authorized User Fee

There's no fee to add additional users to the IHG Rewards Premium Credit Card. I highly recommend adding additional users so that you can build our IHG Points faster.

Foreign Transaction Fee

The IHG Rewards Premium Credit Card has a foreign conversion fee of 2.99%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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