IHG® Rewards Traveler Credit Card

Card Value & IHG Points Calculator

The IHG® Rewards Traveler Credit Card is a solid option if you're looking for a no-annual fee credit card to use at IHG hotels, but the IHG® Rewards Premier Credit Card comes out ahead and just about every way due to the better earning rates, benefits, and overall value the card offers.

Intro Bonus: 80,000 bonus points

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

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:


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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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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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.

Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
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