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COMPARE/HILTON HONORS AMERICAN EXPRESS SURPASS CARD VS IHG ONE REWARDS BUSINESS CREDIT CARD
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SECOND CARD

Hilton Honors American Express Surpass Card or IHG One Rewards Business Credit Card?

Hilton Honors American Express Surpass Card returns $50 over its fee and IHG One Rewards Business Credit Card returns $70, so the fee difference comes down to which categories you use.

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
IHG One Rewards Business Credit Card
IHG One Rewards Business Credit CardChase · $200 fee · 2 credits
NET VALUE+$50$200 credits
NET VALUE-$70$130 credits
BEST NET VALUE
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
IHG One Rewards Business Credit Card
CHASEIHG One Rewards Business Credit Card
FEE$200
CREDITS$130
NET-$70
Category wins0 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 40k Free Night
TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF

You use travel.

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Frequently asked questions

Which is better, Hilton Honors American Express Surpass Card or IHG One Rewards Business Credit Card?

The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the IHG One Rewards Business Credit Card at -$70. The Hilton Honors American Express Surpass Card wins by $120/year.

What's the difference between Hilton Honors American Express Surpass Card and IHG One Rewards Business Credit Card?

The key differences: IHG One Rewards Business Credit Card has a $200 annual fee and $200 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $130 in annual benefits. The annual fee difference is $50.

Which has a lower annual fee, Hilton Honors American Express Surpass Card or IHG One Rewards Business Credit Card?

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the IHG One Rewards Business Credit Card at $200. However, the IHG One Rewards Business Credit Card offers $130 in total annual benefits.

Is the Hilton Honors American Express Surpass Card worth it compared to the IHG One Rewards Business Credit Card?

Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$70 for the IHG One Rewards Business Credit Card. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's Hilton Honors American Express Surpass Card offers better value with $50 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Hilton Honors American Express Surpass Card is better for travel with $200 in annual travel benefits compared to $100 for the IHG One Rewards Business Credit Card.

Should I get the Hilton Honors American Express Surpass Card?

If you're deciding between the Hilton Honors American Express Surpass Card and IHG One Rewards Business Credit Card, the Hilton Honors American Express Surpass Card is the better choice with $50 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,111
VS
Chase Sapphire Reserve+$2,276
See the breakdown →
American Express Platinum+$2,111
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,276
See the breakdown →
American Express Business Platinum+$1,274
VS
Chase Sapphire Reserve for Business+$1,275
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,111
See the breakdown →

MORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS

MORE IHG ONE REWARDS BUSINESS CREDIT CARD COMPARISONS