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CardCurator — Rewards Intelligence
Quick Answer

The Hilton Honors Surpass and IHG One Rewards Premier Credit Card are closely matched. Hilton Honors Surpass wins on 2 categories (130,000 pts signup bonus); IHG One Rewards Premier Credit Card wins on 2 (175,000 pts signup bonus). The better pick depends on your spending patterns.

Card Comparison

Hilton Honors Surpass vs IHG One Rewards Premier Credit Card

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

Hilton Honors Surpass card art
Hilton Honors
Hilton Honors Surpass
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
$150/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
130,000 points
Spend $3,000 in 6 months
was 130k pts
175,000 points
Spend $5,000 in 3 months
was 140k pts
Top Earn Rates
  • hotels and resorts within the Hilton portfolio 12x
  • Dining At U.S. restaurants, including takeout and delivery, 6x
  • Groceries At U.S. supermarkets 6x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
miles
miles
Pts Value
~0.50¢/pt points · industry est.
~0.50¢/pt points · industry est.
Key Credits
  • Hilton Credit $50
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
  • Hilton Honors Gold Status
  • 4th award night free
  • Platinum Elite Status
Spend Milestones
  • Free Night Award
    After $15,000 spend
  • 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 Surpass vs IHG One Rewards Premier Credit Card

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

Hilton Honors Surpass earns 6x on dining; IHG One Rewards Premier Credit Card earns 5x on dining. Hilton Honors Surpass wins for dining.

Which has the higher signup bonus in 2026?

Hilton Honors Surpass currently offers 130,000 pts signup bonus (spend $3,000 in 6 months). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). Hilton Honors Surpass 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 Surpass 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 Surpass is from American Express and IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.