New: Compare up to 3 cards side-by-side instantly Compare now →
Hilton Honors American Express Surpass Card vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Hilton Honors American Express Surpass CardAmerican Express | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.3/5 | 4.2/5 |
| Annual Fee | $150 | $99 |
| APR | 19.49% - 28.49% | 19.49% - 27.99% |
| Signup Bonus | Free Night Reward + 70,000 bonus points (limited-time offer) | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | good | good |
| Pros | 12X at Hilton and 6X on dining/groceries/gas are massive multipliers Complimentary Hilton Gold status with room upgrades and free breakfast Free night reward after spending $15K in a calendar year | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | $150 annual fee Hilton points worth ~0.5cpp — need volume to get value American Express not accepted everywhere internationally | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Hilton Honors American Express Surpass Card
With a 4.3/5 rating, the Hilton Honors American Express Surpass Card edges out the IHG One Rewards Premier Credit Card (4.2/5). At $150/yr, the value proposition is strong. The Hilton Surpass piles up points fast with 12X at Hilton and 6X on everyday categories. Gold status adds free breakfast and room upgrades at most Hilton brands, making it the best mid-tier hotel card for Hilton loyalists.