Hilton Honors Amex Surpass vs IHG One Rewards Premier
At our sample profile ($31,100/yr spend, only “easy” credits counted), the Hilton Honors Amex Surpass comes to $1,349 in the first year and $614 a year after that; the IHG One Rewards Premier comes to $1,907 and $1,127. Annual fees are $150 and $150, against $200 and $300 a year in stated credits. Figures from the issuers’ pages, checked October 23, 2026; your spending will change the result.
| Hilton Honors American Express Surpass® Card | IHG One Rewards Premier Credit Card | |
|---|---|---|
| Issuer | American Express | Chase |
| Annual fee | $150 | $150 |
| Welcome bonus | 130,000 points≈ $735after $3,000 in 6 months | 180,000 points≈ $1,080after $3,000 in 3 months |
| Rewards currency | Hilton Honors | IHG One Rewards |
| Value per point | ~0.45¢ each, median of 6 published valuations | ~0.6¢ each, median of 6 published valuations |
| Earning |
|
|
| Fee vs stated credits | $150 vs $200stated credits a year (face value) · + 1 free night | $150 vs $300stated credits a year (face value) · + 1 free night |
| Yearly cost after year 1 | $0fee − $150 of “easy” credits (our default) | −$280fee − $430 of “easy” credits (our default) |
| Year 2+ value* | $614 each year after the first, after the annual fee | $1,127 each year after the first, after the annual fee |
| First-year value* | $1,349 | $1,907 |
| Credits & perks |
|
|
| Perks (no $ unless the issuer states one) |
|
|
| Source | Issuer page | Issuer page |
Face value isn’t real value: a credit only saves you money if you’d have spent it anyway. *Year 2+ and first-year values use our sample profile and default credit ticks. Add a third card · How we calculate
Hilton Honors Amex Surpass vs IHG One Rewards Premier: quick answers
Which has the bigger welcome bonus, Hilton Honors Amex Surpass vs IHG One Rewards Premier?
The IHG One Rewards Premier has the bigger headline bonus in dollars: 130,000 points (≈$735) vs 180,000 points (≈$1,080), at median published point values, checked October 23, 2026.
Which has the lower annual fee?
Both charge $150.
Which costs less after year 1, once credits are counted?
Yearly cost after year 1 (annual fee minus the easy credits we count by default): Hilton Honors Amex Surpass $0, IHG One Rewards Premier −$280. Tick the credits you’d really use on each card page to get your own figure.