IHG Traveler Card Review & Point Calculator

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Rewards Rates

Earn 5 IHG points per $1 spent at IHG properties.

Earn 3 IHG points per $1 spent on utilities, streaming services, gas station, and dining purchases.

Earn 1 IHG point per $1 spent on all other purchases.

Current Intro Bonus

Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening

Key Cardholder Benefits

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.
As an IHG Rewards Traveler Card holder, you'll receive complimentary IHG Gold Elite status. This is normally obtained after 10 Nights or 10,000 Base Points.
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.

Rewards Value

The Point Calculator values IHG Traveler points at 0.7 cents each on average when redeemed for free nights at IHG brand properties. Points can also be used for gift cards, merchandise, and more.

Redemption	Point Value (in cents)
Award Nights	0.7
IHG Rewards Catalog	0.2 - 0.3
Gift Cards	0.19 - 0.2

Learn More: IHG points value

Transfer Partners

IHG points earned with the IHG Traveler Card can be transferred to a large amount of airline partners. Here's the full list of IHG transfer partners:

Learn More: IHG transfer partners & conversion calculator

Annual Fees

The IHG Rewards Traveler Credit Card has a $0 annual fee.

IHG Points Calculator

Calculate how many IHG Traveler points you can earn based on the monthly or yearly spending amounts you enter. Compare the results alongside up to two credit cards from any issuer.

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

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Compare A Card

Add a credit card to compare side by side based on spend, benefits and fees.

Search Cards

Search for a credit card by name, rewards program, or the rewards currency it earns.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

Add Categories

Calc Options

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

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

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

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 & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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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.

Travel

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.

Reward Transfers To Partners

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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

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

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.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

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

This is the total cash value of each listed card when factoring in all rewards and all fees.

Learn More

Learn more about the card through our partners.

Other Ways To Earn

IHG One Rewards is a direct transfer partner of one major U.S. credit card rewards program: Chase Ultimate Rewards. Ultimate Rewards points can be transferred to IHG at a 1:1 ratio meaning that every 1,000 points you transfer will give you 1,000 IHG points.

Do note that Ultimate Rewards points can be worth anywhere from 1.25 to 2 cents or more per point while IHG points are valued at around 0.7 cents each. This means that transferring points from Chase to IHG could (and more than likely will) devalue your points. So I recommend only doing this when you're a few IHG points shy of a redemption!

Here's the full list of programs that allow you to transfer points to IHG:

Earning Rate Comparison

Want to know how the IHG Traveler Credit Card earning rates stack up against other IHG and partner credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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FAQs

Is the IHG Traveler Card worth it?

While the card itself is pretty good in terms of reward and benefits, the IHG Premier Card will typically be the better option due to the annual free night award, 10x on IHG spend, and other additional benefits.

Does the IHG Traveler Card have an annual fee?

No, there is no annual fee for being an IHG Traveler Cardholder.

Does the IHG Traveler Card have a foreign transaction fee?

No. You can use the IHG Traveler Card internationally without being charged a fee.

What's the best benefits of the IHG Traveler Card?

The best benefit is the 4th Night Free perk you'll have access to. The travel insurance, purchase protection, and cell phone protections the card offers is also very useful.

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

The IHG Premier Card offers all the benefits of the Traveler Card along with a free annual night that can easily be worth more than the annual fee of the card. In my opinion, there's no real reason to get the IHG Traveler Card.

Looking for the best credit cards?

We've run the calculations for you and here are our top picks for best credit cards of 2023:

Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
Best for flexible travel rewards: Chase Sapphire Preferred® Card.
Best for everyday spend and travel: Citi Premier® Card.
Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
Best for dining and supermarkets: American Express® Gold Card
Best for business travel rewards: Ink Business Preferred® Credit Card.
Best cash back business card: Capital One Spark Cash Plus

Travel Cards Cash Back Cards Rewards Cards Business Cards

Find the perfect card for you

Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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