IHG Premier Card - Point Calculator & Benefits

IHG Points Calculator
Calculate total IHG Points based on spend, the cash value of points, and point transfers to partners for the IHG Premier Card.
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Last Updated 2021-12-27

The IHG® Rewards Club Premier Credit Card earns 10 IHG Points per $1 spent at IHG properties and 2 points per $1 spent on grocery, gas station, and restaurant purchases.

The card offers access to IHG's 4th night free benefit, a free night annually, up to a $100 statement credit towards a Global Entry or TSA PreCheck application, complimentary IHG Platinum Elite status, and much more.

For a card that only has a $89 annual fee, the IHG Premier Card is loaded with benefits that offers hundreds in value. If you enjoy staying at IHG brand hotels, I highly recommend picking up this card as it's the best hotel credit card for the brand.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg. Value
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
IHG® Rewards Club Premier Credit Card
IHG Rewards Club Premier Credit Card
Intro Bonus
Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
Rewards Rate
Earn 10 points per $1 spent at IHG properties
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
Earn 1 point per $1 spent on all other purchases
Main Card Highlights
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide
  • Enjoy a Reward Night when you redeem points for any stay of 4 or more nights
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
Annual Fee
Authorized User Fee
Foreign Transaction Fee

IHG Premier Bonus Categories

The IHG Premier Card features the following bonus categories and earning rates:

  • 10X IHG
  • 2X Grocery
  • 2X Gas Station
  • 2X Restaurant
  • 1X Everything Else

There's no limit to the amount of bonus points you can earn spending in these categories and no limit to the amount of points you can earn with the IHG Premier Card overall.

IHG Premier Benefits

The IHG Premier Card features the following card benefits:

Annual Free Night Award

Every cardmember year, you'll receive a Free Night Award that's good for any IHG property that costs 40,000 IHG Points or less at the time of booking.

With most hotel nights costing an average of $100, the value of this benefit alone is usually worth picking up the IHG Premier Card even if you only stay at IHG a few times per year.

4th Night Free Benefit

As an IHG credit card holder, you will receive the 4th night free when booking a 4-night consecutive award stay. This means that a 4 night stay will cost you 3 nights worth of points.

This benefit bumps up the value of IHG Points quite significantly. If possible, I recommend always going for 4-night (or more) bookings in order to get the most value out of your IHG Points.

Global Entry/TSA PreCheck Credit

Receive up to $100 towards a Global Entry ($100) or TSA PreCheck ($85) application when you use the IHG Premier Card to pay for the fee.

TSA PreCheck is for expedited screening through TSA checkpoints while Global Entry is for speeding through customs when re-entering the states (and also grants TSA PreCheck if approved).

Anniversary Points

Every cardmember year that you spend $20,000 or more on the IHG Premier Card, you'll earn 10,000 bonus IHG Points. At 0.6 cents per point, you're looking at about $60 in value.

Complimentary IHG Platinum Elite Status

As an IHG Premier Card holder, you'll receive complimentary IHG Platinum Elite status. This is normally obtained after 40 Nights or 40,000 Base Points meaning that this is a very nice shortcut.

20% Off IHG Point Purchases

When you buy points from the IHG portal, you'll automatically receive a 20% discount. This discount only applies if there is no active promotion.

Travel & Purchase Coverage

The IHG Premier Card comes with the following travel and purchase insurance:

IHG Premier Point Calculator

Calculate how many IHG Points you can earn with the IHG Premier Card based on spend, card benefits, elite status, and the annual fee. Results can be compared side by side any U.S. credit cards featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards
Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Card Selected: -
Category Spending
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
Rewards & Bonuses
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
Total Rewards
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
Calculate Rewards Average Value
How much is 0 worth?
Average Value
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Calculate Reward Transfers To Partners
Calculate Card Cash Value
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
Monetary Bonuses
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
Total Card Value
Total Card Value
The final cash value of the credit card(s).

IHG Traveler Points Value

The Point Calculator values IHG Points at 0.7 cents per point on average when redeemed for free nights at IHG brand hotels. Overall, points can be redeemed towards:

Use the IHG Points Value Calculator to calculate the value of your IHG Points based on our average values for each redemption listed. You can enter any amount of IHG Points in the field below.

IHG Points Value Calculator

Enter any amount of IHG points to see the average cash value.
Hotel Free Night Redemptions
4th Night Free
~0.8 to 1+ Cent
$0 - $0+
IHG Award Stays
~0.6 to 0.8 Cents
$0 - $0
Other Redemptions
IHG Rewards Club Catalog
~0.2 to 0.3 Cents
$0 - $0
Gift Cards
0.18 to 0.2 Cents
$0 - $0

IHG Traveler Point Transfer

IHG Points can be transferred to 35 airline partners, mostly at a 5:1 ratio meaning that 5,000 IHG Points can be converted to 1,000 airline miles.

IHG Transfer Partners
Transfer Partner Transfer Ratio
Aeromexico Club Premier 5:1
Air Canada Aeroplan 5:1
Air China PhoenixMiles 5:1
Air France-KLM Flying Blue 5:1
Air New Zealand Airpoints 1000:2.5
Alaska Airlines MileagePlan 5:1
All Nippon Airways Mileage Club 5:1
American Airlines AAdvantage 5:1
Asiana Airlines Asiana Club 5:1
Avianca Lifemiles 5:1
Cathay Pacific Asia Miles 5:1
China Eastern Airlines Eastern Miles 5:1
China Southern Airlines Sky Pearl Club 5:1
Delta Airlines SkyMiles 5:1
El Al Matmid Frequent Flyer Club 250:1
Emirates Skywards 5:1
Etihad Guest 5:1
Gulf Air Falconflyer 5:1
Hainan Air Fortune Wings Club 5:1
Hawaiian Airlines HawaiianMiles 5:1
Japan Airlines JAL Mileage Bank 5:1
JetBlue TrueBlue 5:1
LATAM Pass 5:1
Lufthansa Miles & More 5:1
Malaysia Air Enrich 20:3
Qantas Frequent Flyer 5:1
Saudi Arabian Airlines Alfursan 5:1
Singapore KrisFlyer 5:1
South African Air SAA Voyager 5:1
Tap Air Portugal Miles&Go 5:1
Thai Air Royal Orchid Plus 5:1
United Airlines Mileage Plus 5:1
Virgin Atlantic Flying Club 5:1
Virgin Australia Velocity 5:1

Transferring IHG Points to airline partners can be great if you're looking to top off your frequent flyer account, but it's not the best use of points since you'll likely lose value when transferring such a large amount of points for a few airline miles.

IHG Point Transfer Calculator

Use the IHG Point Transfer Calculator to calculate the transfer of points to IHG's airline partners based on the transfer ratio. You can enter any amount of IHG Points to see how many airline miles you'll end up with after the transfer.



Is the IHG Premier Credit Card worth it?

If you enjoy staying at IHG brand hotels, the IHG Premier Card is more than worth it. The card offers hundreds in value at a small cost. The free annual night the card offers is worth the annual fee alone.

Is the IHG Premier Credit Card metal?


How much is 40,000 IHG Points worth?

We value IHG Points to be worth 0.7 cents each, which puts 40,000 IHG Points at a total cash value of $280. This is why the annual free night makes the card worth it if you enjoy staying at IHG brand hotels.

Should I get the IHG Premier Card or IHG Traveler Card?

If you're looking to build IHG Points and enjoy staying at IHG hotels, the IHG Premier Card is the better option by a long shot. Even if you stay at an IHG hotel 1 night per year, the Traveler Card offers a free night up to an average of $280 in value for an annual fee of $89.

IHG Credit Card Points Calculators

Click on a card to calculate how many IHG Points you can earn with the card based on spend. Spend entered into credit card calculators will roll over to other credit card calculators on the site, so there's no need to re-enter spend.

Hotel Points Calculators

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