Earn up to 17x on IHG stays — no annual fee

IHG One Rewards Traveler Calculator: IHG Points Estimator

Fees

Earning Rates

Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts.
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants.
Earn 2 points per $1 spent on all other purchases.

Main Benefits

Complimentary IHG Silver Elite status
4th night free benefit on award bookings

Our Take

The IHG One 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 One Rewards Premier Credit Card comes out ahead in just about every way due to the better earning rates, benefits, and overall value it offers.

Last Updated: 04-15-2025

IHG Traveler Card Points Calculator

Use this calculator to estimate how many IHG One Rewards points you'll earn with the Traveler Card based on your monthly spend. Factor in IHG hotel stays, gas, dining, and Silver Elite benefits to see how this no-annual-fee card compares to premium options.

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

IHG One Rewards Traveler Credit Card Details

Earning Rates

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

Earn 5 points per dollar spent at IHG Hotels and Resorts.
Earn 3 points per dollar spent on utilities, internet, cable, and phone services and select streaming services.
Earn 3 points per dollar spent at gas stations.
Earn 3 points per dollar spent at restaurants, including takeout and eligible delivery.
Earn 2 points per dollar spent on all other purchases.

When you use this card to pay for your stays at IHG hotels and resorts, you will earn up to 17X points total. That's 5X points with this card, 10X points from IHG on stays for being an IHG One Rewards member, and up to 2X points from IHG on stays with Silver Elite Status, a benefit of this card.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the IHG Travel Card:

Silver Elite Status: Get automatic Silver Elite Status as long as you remain an IHG One Rewards Traveler Cardmember.
4th Night Free: Enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
Annual Spend Bonus: Earn 10,000 bonus points after you spend $10,000 each calendar year.
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.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The IHG Traveler Card has a $0 annual fee.

This is great if you don't frequent IHG hotels much but still want to earn a good amount of points or if you want access to the 4th night free benefit, but don't want to pay an annual fee.

Authorized User Fee

There is no fee to add authorized users to the IHG Traveler Card. Adding family and friends can help you build points faster and push you towards the annual spend bonus.

Foreign Transaction Fee

The IHG Traveler Card has a 0% foreign transaction fee. This makes it a solid choice for earning points on purchases made outside of the United States.