Earn 10X at IHG Hotels and enjoy Platinum Elite status with free nights

IHG Rewards Club Premier Credit Card: Calculator & Rewards Breakdown

Fees

Earning Rates

Earn 10 IHG points per $1 spent at IHG properties.
Earn 5 IHG points per $1 spent on travel, gas station, and restaurant purchases.
Earn 3 IHG points per $1 spent on everything else.

Main Benefits

Annual free night award
4th night free benefit on award bookings
Up to $100 towards a Global Entry, TSA PreCheck, or NEXUS application fee
Complimentary IHG Platinum Elite status

Our Take

If you frequent IHG properties, you'll want to consider the IHG Premier Card. With a whopping 10X IHG points at participating properties, complimentary status, an annual free night, and access to the 4th night free benefit, the card easily pays for itself.

Last Updated: 04-07-2025

IHG Premier Card calculator

Use this calculator to estimate how many IHG points you’ll earn with the Premier Card based on your hotel and everyday spending. Factor in Platinum Elite perks, anniversary nights, and the 4th night free benefit to determine your total rewards value.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Card Details

IHG Premier Card earning rate

The IHG Premier Card earns IHG points at the following rates:

10 points per dollar spent at IHG Hotels and Resorts.
5 points per dollar spent on travel and hotels.
5 points per dollar spent at gas stations.
5 points per dollar spent at restaurants, including takeout and eligible delivery.
3 points per dollar spent on everything else.

When you use this card to pay for your stays at IHG hotels and resorts, you will earn up to 26X points total. That's 10X points with this card, 10X points from IHG on stays for being an IHG One Rewards member, and up to 6X points from IHG on stays with Platinum Elite Status, a benefit of this card.

IHG Premier Card points value

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IHG Premier Card benefits

Here are the main benefits of the IHG Premier Card:

Anniversary Free Night: Receive a free night award each account anniversary year, worth up to 40,000 points.
4th Night Free: Enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
Global Entry, TSA PreCheck® or NEXUS: Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
Annual Spend Bonus: Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
Platinum Elite Status: Get upgraded to IHG One Rewards Platinum Elite status for as long as you remain an IHG One Rewards Premier Cardmember.
$50 United TravelBank Cash: Receive up to $50 United® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your MileagePlus® account.
Travel and Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Travel Accident Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection, and Extended Warranty Protection.

IHG Premier Card points transfer

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IHG Premier Card fees

Annual Fee

The IHG One Premier Card has an annual fee of $99.

The free night award alone is easily worth over $100 making the fee well worth it. On top of that, the card features a lot of other benefits that will easily add value to the card — one of the main ones being the fact that you can earn up to 26X points on stays with this card alone.

Authorized User Fee

There is no fee to add additional cards to the IHG Premier Card. Adding family and friend to the card can help you build points faster and push you towards the annual spend bonus.

Foreign Transaction Fee

The IHG Premier Card has a 0% foreign transaction fee. That makes this a great choice for earning IHG points on international spending and travel since you will not be penalized when making non-U.S. dollar purchases.