Hilton Honors American Express Surpass® vs. IHG One Rewards Premier
Side-by-side comparison · Updated 2026 · Independently reviewed
Hilton Honors American Express Surpass®
American Express
4.3
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Full review →
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Full review →WealthSpott Verdict
IHG One Rewards Premier wins on more measurable categories — particularly annual cost. Hilton Honors American Express Surpass® may still win for your wallet depending on your spending patterns.
Feature
Hilton Honors American
IHG One Rewards
Annual Fee
$150/yr
$99/yr Best
Sign-up Bonus
130,000 points
140,000 points
Rewards Rate
3x-12x
3x-26x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable
21.49%-28.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Hilton Honors American Express Surpass®
Pros
- 12x points at Hilton properties
- 6x at restaurants, supermarkets, and gas
- Automatic Hilton Gold status
- Free weekend night after $15k annual spend
Cons
- $150 annual fee
- Hilton points worth less per point than rivals
- Free night requires $15k spend to unlock
IHG One Rewards Premier
Pros
- 140,000-point sign-up bonus
- Free night certificate annually
- Fourth night free on reward stays
- Platinum Elite status
Cons
- $99 annual fee
- Points tied to IHG ecosystem
- Points worth less per point than Marriott/Hilton
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