IHG Premier Card Calculator

Card Details & IHG Point Calculator
10X IHG Properties
2X Grocery Stores
2X Gas Stations
2X Restaurant
Annual Free Night
Anniversary Points w/ Spend
Platinum Status
Global Entry / TSA PreCheck Credit
20% Off Point Purchases
Travel Protection
Purchase Protection
Cell Phone Protection

Calculate how many IHG Points you can earn and the cash value of the IHG Premier Card based on your spend, card benefits, and fees. Compare results!

The IHG Premier Card is the top card if you're looking to earn at a great rate of 10x IHG Points at IHG properties. Along with that, it offers complimentary IHG Platinum Elite Status, an annual free night, bonus points with heavy spend, and much more.

Bonus Categories

The IHG Premier Card has four bonus categories which are IHG, gas station, grocery, and restaurant purchases. 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 card overall.

  • 10x IHG
  • 2x Grocery
  • 2x Gas Station
  • 2x Restaurant
  • 1x Non-Category

Perks & Benefits

The IHG Premier Card offers a bunch of useful benefits such as an annual free night, access to the popular 4th night free benefit, and anniversary points for heavy spenders.

  • Annual Free Night Award
    • Award is good for any IHG property that costs 40,000 IHG Points or less at time of booking.
  • 4th Night Free Benefit
    • When booking 4-night consecutive award stays, it will cost you 3 nights worth of points.
    • Free night is reflected immediately; you will only need enough points for a 3-night booking.
  • Global Entry/TSA PreCheck Credit
  • Anniversary Points w/ Spend
    • Spending $20,000 on the IHG Premier Card during the card anniversary year will earn you 10,000 bonus IHG Points.
  • IHG Platinum Elite Status
  • 20% Off Point Purchases
  • Travel & Purchase Coverage
    • Trip Cancellation / Trip Interruption Insurance
    • Travel Accident Insurance
    • Travel and Emergency Assistance Services
    • Lost Luggage Reimbursement
    • Baggage Delay Insurance
    • Auto Rental Collision Damage Waiver
    • Purchase Protection
    • Extended Warranty Protection
    • Cell Phone Protection

Sign Up Bonus (SUB)

The standard sign up bonus for the IHG Premier Card seems to hover around 140,000 IHG Points after spending $3,000 on purchases in the first 3 months of account opening. If you're looking to pick up an IHG credit card, I'd recommend going for it while the bonus is at 140,000 because who knows how long it will sit at this rate. The previous standard bonus was 80,000 IHG Points.

ihg premier card 140000 sign up bonus

In terms of free nights, IHG hotels tend to hover in the 20,000 to 40,000 point range. This sign up bonus can earn you a significant amount of free nights, especially when combined with the 4th Night Free Benefits.


Annual Fee

The annual fee for the IHG Rewards Club Premier Card is $89. In my opinion, the annual free night and complimentary Platinum Elite Status makes this card worth picking up.

Authorized User Fee

The IHG Rewards Club Premier Card does not have an authorized user fee. If you have friends or family that staff at IHG hotels or that occasionally shop in the 2x bonus categories (if you're going for IHG points), I recommend adding them as authorized users.

Foreign Transaction Fee

The foreign transaction fee for the IHG Rewards Club Premier Club Card is 0%. This means you can use the card for international spending and travel without being penalized. You will only earn 1x-2x on most purchases, so you may want to consider picking up an Ultimate Rewards Credit Card so you can earn points on general travel spend and transfer those to your IHG Rewards Club account at a 1:1 ratio.

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.
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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.
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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.
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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.
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Annual Fee
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Annual Fee
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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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