IHG Traveler Card Calculator

Card Details & IHG Point Calculator
5X IHG Properties
2X Grocery Stores
2X Gas Stations
2X Restaurant
4th Award Night Free
Gold Elite Status
20% Off Point Purchases
Travel Protection
Purchase Protection
Cell Phone Protection

Calculate total IHG Points and card value based on your spend for the Chase IHG Traveler Card. Compare against top travel cards.

The IHG Traveler Card is the no-annual fee card in the IHG Rewards Club program. It earns 5x IHG Points on IHG spend, complimentary IHG Gold Elite Status, and access to IHG's 4th Night Free benefit. While it is not a bad card overall, better value will typically come from the IHG Premier Card due to the annual free night.

Bonus Categories

The IHG Traveler Card features IHG, grocery store, gas station, and restaurant as bonus categories. There's no limit to the amount of bonus IHG Points you can earn spending in these categories and no limit to the amount of IHG Points you can earn with the card overall.

  • 5x IHG
  • 2x Grocery
  • 2x Gas Station
  • 2x Restaurant
  • 1x Non-Category

Perks & Benefits

The IHG Traveler Card offers a good handful of useful benefits with IHG as well as some nice travel and purchase protections.

  • IHG Gold Elite Status
  • 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.
  • 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 IHG Traveler Card standard sign up bonus hovers around 75,000 IHG bonus points after $2,000 in spend within the first 3 months from account opening. IHG doesn't have an award chart, but most hotels hover around 20,000 to 35,000 points which gives you 2-3 nights with this bonus. If you're able to use the 4th Night Free benefit, you can get a 4-night stay at a 20,000-point or lower hotel.


Annual Fee

The IHG Traveler Card has no annual fee which means you'll always come out ahead when using it to earn IHG Points on your everyday spend.

Authorized User Fee

There is no authorized user fee for the IHG Traveler Card. Adding additional users can help you build your IHG Points faster.

Foreign Transaction Fee

There is no foreign transaction fee for international purchases made to the IHG Traveler Card. If you're looking to earn IHG Points when traveling outside of the United States this is a good card to do so with, but you may want to also consider using the Ultimate Rewards Program since points transfer to IHG 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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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.
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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.

IHG Traveler Card FAQ

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.

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, purchase, 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. It will usually be the better option.

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