IHG One Rewards Premier vs Hilton Honors American Express Business Card
Side-by-side comparison
| IHG One Rewards Premier | Hilton Honors American Express Business Card | |
|---|---|---|
| Annual fee | $99 | $195 |
| Welcome offer | 130,000 points | |
| Advertising | 3% | 3% |
| Shipping | 3% | 5% |
| Office supplies | 3% | 3% |
| Phone & internet | 3% | 5% |
| Travel | 5% | 5% |
| Everything else | 3% | 3% |
| Est. yearly rewards* | $1,530 | $1,638 |
| Points type | Locked to IHG One Rewards | Locked to Hilton Honors |
| Network | Mastercard | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the IHG One Rewards Premier earns about $1,530 a year in rewards and the Hilton Honors American Express Business Card about $1,638, valuing every point at a flat 1 cent. The IHG One Rewards Premier charges $99, which you clear through its rewards and perks. The Hilton Honors American Express Business Card charges $195, which you clear through its rewards and perks. The two are close on value, but the Hilton Honors American Express Business Card edges ahead by about $12 a year, mostly because it earns more where you spend most, on shipping and phone & internet. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the IHG One Rewards Premier currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors American Express Business Card if your spending leans toward shipping, phone & internet.