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Hilton Honors American Express Card vs IHG One Rewards Premier
Both are well-respected travel cards. The Hilton Honors American Express Card comes from American Express at $0/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the Hilton Honors American Express Card's. Get the IHG One Rewards Premier first; revisit the Hilton Honors American Express Card after you've earned that bonus.
| Feature | Hilton Honors American Express Card | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | Not advertised | 185,000 bonus points |
| Bonus value (est.) | - | $925 |
| Min spend to unlock bonus | - | $3,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | hotel |
| Best earning category (Hilton_hotels) | 7x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Hilton Honors American Express Card
$0/yr ·
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors American Express Card or IHG One Rewards Premier?
- The IHG One Rewards Premier has a public bonus (185,000 bonus points, worth roughly $925), while the Hilton Honors American Express Card doesn't advertise one right now.
- Is the Hilton Honors American Express Card's $0 annual fee worth it compared to the IHG One Rewards Premier?
- The Hilton Honors American Express Card has no annual fee, so the question is whether the IHG One Rewards Premier's $99 fee is justified by its perks. If you'll use enough of the IHG One Rewards Premier's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Hilton Honors American Express Card.
- Can I have both the Hilton Honors American Express Card and IHG One Rewards Premier?
- 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 Card or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Card: no published min spend. IHG One Rewards Premier: $3,000 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.