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IHG One Rewards Premier Credit Card vs The Hilton Honors American Express Business Card
This comparison aims to help users decide between the IHG One Rewards Premier Credit Card and the The Hilton Honors American Express Business Card. Both cards offer unique benefits tailored to travelers and loyalty program enthusiasts, making it essential to understand their features in detail.
Card Overviews
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is designed for frequent travelers who prefer IHG Hotels & Resorts. With a moderate annual fee, this card offers substantial rewards for hotel stays, dining, and travel-related expenses. Users can enjoy automatic elite status and additional perks that enhance their travel experiences.
The Hilton Honors American Express Business Card
The The Hilton Honors American Express Business Card caters to business travelers and Hilton loyalists, offering a higher annual fee but also more extensive rewards and benefits. This card focuses on Hilton purchases and provides significant statement credits and status upgrades, making it ideal for those who frequently stay at Hilton properties.
Detailed Feature Comparison
| Feature | IHG One Rewards Premier Credit Card | The Hilton Honors American Express Business Card |
|---|---|---|
| Annual Fee | $99 | $195 |
| Welcome Bonus | Earn 140,000 Bonus Points after spending $3,000 in the first 3 months | Earn 130,000 Bonus Points after spending $6,000 in the first 6 months |
| Rewards Structure | Up to 26 points per $1 at IHG Hotels, 5 points on travel, gas, and restaurants, 3 points on all other purchases | 12X on Hilton purchases, 5X on the first $100,000 spent each year, 3X thereafter |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Automatic Platinum Elite status, Global Entry/TSA PreCheck credit, Anniversary Free Night | $60 quarterly statement credits, complimentary Gold status, potential upgrade to Diamond status |
Rewards Highlights
IHG One Rewards Premier Credit Card
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
- Earn 3 points per $1 spent on all other purchases.
The Hilton Honors American Express Business Card
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
- Earn 3X on all other eligible purchases. Terms & Limitations Apply.
Pros and Cons
IHG One Rewards Premier Credit Card
- Pros:
- Low annual fee
- Strong rewards structure for IHG stays
- Automatic elite status
- Anniversary Free Night
- Cons:
- Limited to IHG properties for maximum rewards
- Lower welcome bonus compared to competitors
The Hilton Honors American Express Business Card
- Pros:
- Comprehensive rewards on Hilton purchases
- Quarterly statement credits
- Upgrade potential to Diamond status
- High welcome bonus
- Cons:
- Higher annual fee
- Spending requirement for welcome bonus is higher
Who Should Consider Which Card?
The IHG One Rewards Premier Credit Card is ideal for travelers who frequently stay at IHG properties and want to maximize their rewards with a low annual fee. In contrast, The Hilton Honors American Express Business Card is suited for business travelers who often stay at Hilton hotels and can take advantage of the higher rewards rate and additional benefits, justifying the higher annual fee.
Conclusion
Ultimately, the choice between the IHG One Rewards Premier Credit Card and The Hilton Honors American Express Business Card should be based on individual travel habits and preferences. Consider your loyalty to either hotel chain, how often you travel, and your potential to earn and redeem rewards effectively.