Hilton Honors American Express Business Card vs IHG One Rewards Premier Business
Side-by-side comparison
| Hilton Honors American Express Business Card | IHG One Rewards Premier Business | |
|---|---|---|
| Annual fee | $195 | $99 |
| Welcome offer | 130,000 points | 140,000 points |
| Advertising | 3% | 5% |
| Shipping | 5% | 3% |
| Office supplies | 3% | 3% |
| Phone & internet | 5% | 3% |
| Travel | 5% | 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 American Express Business Card 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 American Express Business Card charges $195, which you clear through its rewards and perks. 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 $180 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 two are currently comparable in size. 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. Pick the IHG One Rewards Premier Business if your spending leans toward advertising.