IHG Traveler Card Calculator

IHG Points Calculator for the IHG Traveler Card. Calculate IHG Points and card value based on spend, benefits, and fees. Compare against top rewards cards.
Updated 2020-05-11 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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.

Sign Up Bonus

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category 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.
Type at least 3 characters.
Currently Selected:
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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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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