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

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

IHG One Rewards Premier Credit Card returns $270 over its fee and Hilton Honors American Express Surpass Card returns $50, 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 Premier Credit Card
IHG One Rewards Premier Credit CardChase · $150 fee · 5 credits
NET VALUE+$50$200 credits
NET VALUE+$270$420 credits
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 2
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
BEST NET VALUE
IHG One Rewards Premier Credit Card
CHASEIHG One Rewards Premier Credit Card
FEE$150
CREDITS$420
NET+$270
Category wins1 of 2
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 50k Free Night
TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF

You use travel.

TAKE THE IHG ONE REWARDS PREMIER CREDIT CARD IF

You use food & dining. Food & Dining alone is worth $240 here and nothing on the Hilton Honors American Express Surpass Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

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

The IHG One Rewards Premier Credit Card is better with $270 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The IHG One Rewards Premier Credit Card wins by $220/year.

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

The key differences: IHG One Rewards Premier Credit Card has a $150 annual fee and $420 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits.

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

Yes, the IHG One Rewards Premier Credit Card offers better value with $270 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. It also has a similar annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Chase's IHG One Rewards Premier Credit Card offers better value with $270 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The IHG One Rewards Premier Credit Card is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Hilton Honors American Express Surpass Card.

Should I get the IHG One Rewards Premier Credit Card?

If you're deciding between the Hilton Honors American Express Surpass Card and IHG One Rewards Premier Credit Card, the IHG One Rewards Premier Credit Card is the better choice with $270 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+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
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+$2,109
See the breakdown →

MORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS

MORE IHG ONE REWARDS PREMIER CREDIT CARD COMPARISONS