How much is an IHG point worth?

Credit Upside values IHG points at 0.50¢ per point — a conservative mid-range estimate. Your actual value depends on how you redeem.

Are IHG points worth more than cash back?

At 0.50¢ they're worth less than a 1¢ cash-back point unless you consistently redeem above our estimate.

Point values · Hotel points

What are IHG points worth?

Credit Upside values IHG points at a conservative 0.50¢ per point — the same mid-range number the optimizer uses to score your spending. That's less than a penny — below a 1¢ cash-back point, so a big multiplier here is worth less than it looks.

Updated 2026-09-16

0.50¢ per IHG point

How many IHG points do you have?

50,000 points is about $250 at our value.

What you actually get depends on how you redeem. A great redemption can beat this; cashing out often pays less.

How we get to 0.50¢

IHG points are points in a single hotel program. We use a single conservative mid-range value — not the best-case redemption a points blog might quote — because the optimizer has to be honest about what you'll typically get, not what's theoretically possible. Your own redemptions can beat it (a well-timed transfer) or trail it (a low-value cash-out). Full methodology →

Cards that earn IHG points

IHG One Rewards Premier Business Card — 5x on travel, $99 fee
IHG One Rewards Premier Credit Card — 5x on travel, $99 fee
IHG One Rewards Traveler Credit Card — 3x on dining, no fee

IHG points don't transfer out — they're spent inside one program. That's the trade-off against a flexible currency: fewer places to use them, so the 0.50¢ has to earn its keep on its own. Compare transfer reach across programs →

Is an IHG point better than cash?

At 0.50¢, usually not, unless you consistently redeem above our estimate. A high earn rate in IHG points can lose to a plain 2% cash card. The only way to know for your wallet is to score real spending — which is what the app does, applying this value to every charge.

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Want the ranked version? Best cards that earn IHG points puts all 3 of them in order by real cents back per dollar — the printed rate times this 0.50¢ value.

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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →

Valued near it: Hilton Honors points (0.50¢) · Choice Privileges (0.60¢) · Wyndham Rewards (0.60¢) · Marriott Bonvoy points (0.70¢) · PenFed points (0.85¢)

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