IHG One Rewards Premier vs Hilton Honors Surpass Amex
Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: too close to call (under 3 pts). Scores: IHG One Rewards Premier 67.6%, Hilton Honors Surpass Amex 67.1%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): IHG One Rewards Premier nets $379/yr, Hilton Honors Surpass Amex nets $379/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feePremier: 5.0 · Amex: 5.0
Rewards ratePremier: 10 · Amex: 10
Sign-up bonusPremier: n/a · Amex: n/a
Intro 0% APRPremier: 0.0 · Amex: 0.0
Regular APRPremier: 7.3 · Amex: 7.0
Foreign transaction feePremier: 10.0 · Amex: 10.0
Regulatory record (CFPB)Premier: 10.0 · Amex: 10.0
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Annual fee $150 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–28.74% variableRewards 3% base; 6% dining; 6% gas; 6% groceries; 4% onlineCredit 720+ (CFPB TCCP targeted tiers)
⚠ $150 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, IHG One Rewards Premier or Hilton Honors Surpass Amex?
On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.