Hilton Honors American Express Card vs IHG One Rewards Premier Credit Card: Which Earns More?
The verdict
On typical spending the Hilton Honors American Express Card nets $1,082 a year after fees, $168 more than the IHG One Rewards Premier Credit Card at $914. The Hilton Honors American Express Card stays ahead at every spending level we model.
Who earns more, by the numbers
| Spending level | Hilton Honors American Express Card | IHG One Rewards Premier Credit Card | Winner |
|---|---|---|---|
| Light spender ($1,200/mo) | $542/yr | $407/yr | Hilton Honors American Express Card |
| Typical spender ($2,400/mo) | $1,082/yr | $914/yr | Hilton Honors American Express Card |
| Heavy spender ($4,500/mo) | $2,030/yr | $1,802/yr | Hilton Honors American Express Card |
Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.
Hilton Honors American Express Card
American Express
3.4/5
Annual Fee:$0
APR:22.49%-30.49% variable
Welcome Bonus: 70,000 Hilton Honors bonus points after $2,000 in purchases in 3 months
Rewards: 7X Hilton, 5X restaurants/supermarkets/gas, 3X everything else
EARNS MORE ON TYPICAL SPEND
The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.
FAQ
Which is better, the Hilton Honors American Express Card or the IHG One Rewards Premier Credit Card?▼
On typical spending the Hilton Honors American Express Card nets $1,082 a year after fees, $168 more than the IHG One Rewards Premier Credit Card at $914. The Hilton Honors American Express Card stays ahead at every spending level we model.
What is the annual fee difference between the Hilton Honors American Express Card and the IHG One Rewards Premier Credit Card?▼
The Hilton Honors American Express Card charges no annual fee, versus $99 for the IHG One Rewards Premier Credit Card — a $99 difference every year.
Which has the better welcome bonus?▼
The IHG One Rewards Premier Credit Card, at 150,000 points (~$1,500) as of 2026-07-29. Bonuses change often — each card's page carries the date we last recorded it.