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CardCurator — Rewards Intelligence
Card Comparison

Hilton Honors American Express Card vs IHG One Rewards Premier Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Hilton Honors American Express Card card art
Hilton Honors
Hilton Honors American Express Card
American Express
More Info
IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Annual Fee
No annual fee
$99/yr
Foreign Fees
None
None
Signup Bonus
70,000 points
Spend $2,000 in 6 months
175,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • hotels and resorts in the Hilton portfolio 7x
  • Dining At U.S. restaurants, including takeout and delivery, Groceries At U.S. supermarkets, Gas At U.S. gas stations 5x
  • All Other Purchases 3x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
miles
miles
Key Credits
None
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
  • Hilton Honors Silver Status
  • 4th award night free
  • Platinum Elite Status
Spend Milestones
No milestones
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Hilton Honors American Express Card vs IHG One Rewards Premier Credit Card

Is the Hilton Honors American Express Card or IHG One Rewards Premier Credit Card better for dining?

Hilton Honors American Express Card earns 5x on dining; IHG One Rewards Premier Credit Card earns 5x on dining. Hilton Honors American Express Card wins for dining.

Which has the higher signup bonus in 2026?

Hilton Honors American Express Card currently offers 70,000 pts signup bonus (spend $2,000 in 6 months). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). IHG One Rewards Premier Credit Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Hilton Honors American Express Card and the IHG One Rewards Premier Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Hilton Honors American Express Card is from American Express and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.