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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	Hilton Honors American Express Surpass Card American Express · $150/yr	IHG One Rewards Premier Credit Card Chase · $150/yr
Annual fee	$150	$150
Welcome offerCurrent public offer	130,000 points	Up to 190,000 points
Rewards	Hilton Honors	IHG One Rewards
Foreign transaction fee	None	None
Network	American Express	Mastercard World Elite
Earn ratesPer $1 spent
Dining	6x Highest	5x
Gas Stations	6x Highest	5x
Grocery Stores	6x Highest	5x
Car Rentals	3x	5x Highest
Flights	3x	5x Highest
Online Shopping	4x Highest	3x
Everything else	3x	3x
Statement creditsAs the issuer states them · — means none on record
Travel	$200 Hilton property credit	$120 Global Entry/TSA PreCheck · $120 every 4 years $100 airline statement credit $100/yr IHG food & beverage · $25 quarterly $50/yr United TravelBank · $25 every 6 months
Dining & delivery	—	DoorDash DashPass $10/mo Instacart+
Perks & access— means none on record
Hotel status & programs	Automatic Hilton Honors Gold Elite Status Hilton Honors™ Upgrade to Diamond Status	Automatic IHG Gold Elite status Platinum Elite at $15K spend, Diamond at $40K
Car rental	National Car Rental Emerald Club Executive Status	—
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance	30% reward points discount
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Trip cancellation and interruption insurance · up to $5,000
Baggage	Baggage insurance	Lost Luggage Reimbursement · up to $3,000 Baggage delay insurance · up to $100
Rental car	Car rental insurance	—
Purchase & returns	Up to $1,000 per item against damage or theft	Purchase protection for new items · up to $500
Extended warranty	Extended warranty adds up to 1 year	Extended warranty protection for eligible purchases · up to $1
Other protections	Zero liability protection on fraudulent charges	—
Pros & cons
Pros	Automatic Hilton Gold status with room upgrades and breakfast at select properties Earn Diamond status through $40,000 annual spend (extends through end of next year) $200 annual Hilton credit ($50 per quarter) covers most of the annual fee Free Night Reward earned after $15,000 annual spend Strong earning at 12X at Hilton, 6X at restaurants/supermarkets/gas	$150 annual fee is offset by the Anniversary Free Night (up to 50,000 points) and the annual credits 10X points at IHG properties; 5X on directly booked flights, car rentals, dining, grocery and gas Automatic Gold Elite status; Platinum Elite after $15K annual spend Fourth night free on award stays effectively gives 25% discount Up to $100 in IHG food and beverage credits and a $100 airline statement credit each year
Cons	$150 annual fee with no first-year waiver Quarterly credits require spending at Hilton properties (use-it-or-lose-it each quarter) Points locked to Hilton program with no transfer flexibility Amex network less accepted than Visa/Mastercard internationally Diamond status requires significant $40,000 spend threshold	Free night capped at 50,000 points excludes top-tier properties IHG points valued around 0.5 cents per point - lower than competitors No airport lounge access included $50 United TravelBank credit requires separate registration Diamond Elite through spend requires hefty $40K annual threshold
	Card details	Card details

Hilton Honors American Express Surpass Card
American Express · $150/yr
IHG One Rewards Premier Credit Card
Chase · $150/yr

Overview

Annual fee: Hilton Honors American Express Surpass Card
$150
IHG One Rewards Premier Credit Card
$150
Welcome offerCurrent public offer: Hilton Honors American Express Surpass Card
130,000 points
IHG One Rewards Premier Credit Card
Up to 190,000 points
Rewards: Hilton Honors American Express Surpass Card
Hilton Honors
IHG One Rewards Premier Credit Card
IHG One Rewards
Foreign transaction fee: Hilton Honors American Express Surpass Card
None
IHG One Rewards Premier Credit Card
None
Network: Hilton Honors American Express Surpass Card
American Express
IHG One Rewards Premier Credit Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Hilton Honors American Express Surpass Card
6x
Highest
IHG One Rewards Premier Credit Card
5x
Gas Stations: Hilton Honors American Express Surpass Card
6x
Highest
IHG One Rewards Premier Credit Card
5x
Grocery Stores: Hilton Honors American Express Surpass Card
6x
Highest
IHG One Rewards Premier Credit Card
5x
Car Rentals: Hilton Honors American Express Surpass Card
3x
IHG One Rewards Premier Credit Card
5x
Highest
Flights: Hilton Honors American Express Surpass Card
3x
IHG One Rewards Premier Credit Card
5x
Highest
Online Shopping: Hilton Honors American Express Surpass Card
4x
Highest
IHG One Rewards Premier Credit Card
3x
Everything else: Hilton Honors American Express Surpass Card
3x
IHG One Rewards Premier Credit Card
3x

Statement creditsAs the issuer states them · — means none on record

Travel: Hilton Honors American Express Surpass Card
$200 Hilton property credit
IHG One Rewards Premier Credit Card
$120 Global Entry/TSA PreCheck · $120 every 4 years
$100 airline statement credit
$100/yr IHG food & beverage · $25 quarterly
$50/yr United TravelBank · $25 every 6 months
Dining & delivery: Hilton Honors American Express Surpass Card
—
IHG One Rewards Premier Credit Card
DoorDash DashPass
$10/mo Instacart+

Perks & access— means none on record

Hotel status & programs: Hilton Honors American Express Surpass Card
Automatic Hilton Honors Gold Elite Status
Hilton Honors™ Upgrade to Diamond Status
IHG One Rewards Premier Credit Card
Automatic IHG Gold Elite status
Platinum Elite at $15K spend, Diamond at $40K
Car rental: Hilton Honors American Express Surpass Card
National Car Rental Emerald Club Executive Status
IHG One Rewards Premier Credit Card
—
Other perks: Hilton Honors American Express Surpass Card
Amex Offers
Early access to concerts and events
24/7 global travel assistance
IHG One Rewards Premier Credit Card
30% reward points discount

Protections & insuranceLimits where published · — means none on record

Trip insurance: Hilton Honors American Express Surpass Card
—
IHG One Rewards Premier Credit Card
Trip cancellation and interruption insurance · up to $5,000
Baggage: Hilton Honors American Express Surpass Card
Baggage insurance
IHG One Rewards Premier Credit Card
Lost Luggage Reimbursement · up to $3,000
Baggage delay insurance · up to $100
Rental car: Hilton Honors American Express Surpass Card
Car rental insurance
IHG One Rewards Premier Credit Card
—
Purchase & returns: Hilton Honors American Express Surpass Card
Up to $1,000 per item against damage or theft
IHG One Rewards Premier Credit Card
Purchase protection for new items · up to $500
Extended warranty: Hilton Honors American Express Surpass Card
Extended warranty adds up to 1 year
IHG One Rewards Premier Credit Card
Extended warranty protection for eligible purchases · up to $1
Other protections: Hilton Honors American Express Surpass Card
Zero liability protection on fraudulent charges
IHG One Rewards Premier Credit Card
—

Pros & cons

Pros: Hilton Honors American Express Surpass Card
Automatic Hilton Gold status with room upgrades and breakfast at select properties
Earn Diamond status through $40,000 annual spend (extends through end of next year)
$200 annual Hilton credit ($50 per quarter) covers most of the annual fee
Free Night Reward earned after $15,000 annual spend
Strong earning at 12X at Hilton, 6X at restaurants/supermarkets/gas
IHG One Rewards Premier Credit Card
$150 annual fee is offset by the Anniversary Free Night (up to 50,000 points) and the annual credits
10X points at IHG properties; 5X on directly booked flights, car rentals, dining, grocery and gas
Automatic Gold Elite status; Platinum Elite after $15K annual spend
Fourth night free on award stays effectively gives 25% discount
Up to $100 in IHG food and beverage credits and a $100 airline statement credit each year
Cons: Hilton Honors American Express Surpass Card
$150 annual fee with no first-year waiver
Quarterly credits require spending at Hilton properties (use-it-or-lose-it each quarter)
Points locked to Hilton program with no transfer flexibility
Amex network less accepted than Visa/Mastercard internationally
Diamond status requires significant $40,000 spend threshold
IHG One Rewards Premier Credit Card
Free night capped at 50,000 points excludes top-tier properties
IHG points valued around 0.5 cents per point - lower than competitors
No airport lounge access included
$50 United TravelBank credit requires separate registration
Diamond Elite through spend requires hefty $40K annual threshold

Card details

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