Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Hilton Honors American Express Business Card vs IHG One Rewards Traveler

Both are hotel travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the IHG One Rewards Traveler from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureHilton Honors American Express Business CardIHG One Rewards Traveler
Annual fee$195$0
Sign-up bonus130,000 points80,000 points
Bonus value (est.)$650$480
Min spend to unlock bonus$6,000 in 6 mo$2,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhotelhotel
Best earning category (Hilton)12x1x
Transfer partnersNoneNone
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
  • 4th night free on awards
  • 17x at IHG
  • No annual fee
  • Silver status
Read the full review
Hilton Honors American Express Business Card
$195/yr · 130,000 points
Read the full review
IHG One Rewards Traveler
$0/yr · 80,000 points

Editorial take: Hilton Honors American Express Business Card

If you stay at Hiltons, this is the underrated middle tier, the $60/quarter credit + the $15k-spend Free Night routinely cover the $195 fee, and Gold status is real value at any Hilton property.

Editorial take: IHG One Rewards Traveler

The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or IHG One Rewards Traveler?
The Hilton Honors American Express Business Card has the bigger bonus, 130,000 points, worth roughly $650, versus 80,000 points (~$480) on the IHG One Rewards Traveler.
Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the IHG One Rewards Traveler?
At $195/yr, the Hilton Honors American Express Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Traveler's, pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and IHG One Rewards Traveler?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Hilton Honors American Express Business Card or the IHG One Rewards Traveler first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Business Card: $6,000 spend in 6 months. IHG One Rewards Traveler: $2,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.