IHG Rewards Club Platinum MasterCard®

Warning

This card is no longer offered by the provider.
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First year rewards (up to)

Gift card
15,000 bonus points After first purchase. Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
Cash advance: 19.8%
Balance transfer: 19.8%
%
Purchase interest rate
Cash advance: 19.8%
Balance transfer: 19.8%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Rewards
Earn points on each dollar you spend
How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month. Travel
1  point per dollar
Earn 2 points per dollar on IHG purchases.
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1  point per dollar
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Value of a Point

To see how we calculated the dollar value of an individual IHG Reward Point, download the Value of a Point PDF below.

Value of a Point PDF

How to redeem your IHG Reward Points

Step by Step Guide

  • If you DO NOT have an online account with the IHG Rewards Club, visit ihg.com and create an online account with your IHG Rewards Club Number.
  • To book a hotel, go to the “Reservations” tab on the top of the page and click on “Rewards Nights”.
  • Select your destination, check in, check out dates, and the points you are willing to spend per night.
  • IHG Rewards points can be purchased for 1.15¢-1.35¢ (USD) per point; you can buy a maximum of 120,000 points per calendar year.
Insurance
Benefits
Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card. Insurance
Travel accident insurance
While you're travelling, there's always a chance that your bag may be lost or go missing for a period of time. In the event that happens to you, here's what you're covered for. Baggage
Baggage loss
If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car. Rental
Car rental collision / loss damage waiver
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Price protection
  • Purchase assurance

Card details

Network: MasterCard
Provider:
Card type: Rewards, No annual fee

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $0
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.80%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 19.80%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 19.80%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.

Welcome Offer: Get up to 5% cash back in your first 3 months. Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.

Get 4 points†† per $1 on eligible gas, groceries and restaurants purchases and up to 10,000 bonus points. Conditions apply

Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances

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Get more details

  • 15,000 bonus points with your first purchase
  • 2 points for every $1 spent at any hotel within the IHG family of hotels
  • 1 point for every $1 on all other purchases
  • 5,000 annual bonus points when you spend over $10,0003
  • No limit to the amount of points you can earn
  • Gold Elite status for your first year
  • Platinum MasterCard benefits, including Travel Accident insurance and Car Rental insurance