Hilton Honors Surpass® vs IHG One Rewards Traveler Credit Card
Side-by-side comparison
| Hilton Honors Surpass® | IHG One Rewards Traveler Credit Card | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | 125,000 points | |
| Dining | 6x | 3x |
| Groceries | 6x | 1x |
| Gas | 6x | 3x |
| Travel | 1x | 3x |
| Streaming | 3x | 1x |
| Everything else | 3x | 1x |
| Est. yearly rewards* | $1,174 | $431 |
| Points type | Locked to Hilton Honors | Locked to IHG One Rewards |
| Network | Amex | Mastercard |
*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 household spending, the Hilton Honors Surpass® earns about $1,174 a year in rewards and the IHG One Rewards Traveler Credit Card about $431, valuing every point at a flat 1 cent. The Hilton Honors Surpass® charges $150, but carries about $200 in annual statement credits that offset it for anyone who uses them. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $693 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. 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 two are currently comparable in size. Note that Hilton Honors Surpass® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors Surpass® if your spending leans toward dining, groceries, gas. Pick the IHG One Rewards Traveler Credit Card if your spending leans toward travel.