Hilton Honors Aspire vs IHG One Rewards Premier Business
Side-by-side comparison
| Hilton Honors Aspire | IHG One Rewards Premier Business | |
|---|---|---|
| Annual fee | $550 | $99 |
| Welcome offer | 140,000 points | |
| Advertising | 3% | 5% |
| Shipping | 3% | 3% |
| Office supplies | 3% | 3% |
| Phone & internet | 3% | 3% |
| Travel | 7% | 5% |
| Everything else | 3% | 3% |
| Est. yearly rewards* | $1,638 | $1,722 |
| 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 business spending, the Hilton Honors Aspire earns about $1,638 a year in rewards and the IHG One Rewards Premier Business about $1,722, valuing every point at a flat 1 cent. The Hilton Honors Aspire charges $550, but carries about $600 in annual statement credits that offset it for anyone who uses them. The IHG One Rewards Premier Business charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the IHG One Rewards Premier Business delivers more total value, about $235 a year more for a typical spender, mostly because it earns more where you spend most, on advertising. 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 Hilton Honors Aspire 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 Aspire if your spending leans toward travel. Pick the IHG One Rewards Premier Business if your spending leans toward advertising.