Smart Points's Top Picks

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Rewards rate

12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X
Earn 3X Points for all other eligible purchases on your Card.

At A Glance

Intro offer
Earn 165,000 points Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Annual fee
$150
Regular APR
20.24% - 29.24% variable
Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Rewards rate

26X
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
5X
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
3X
Earn 3 points per $1 spent on all other purchases.

At A Glance

Intro offer
Earn 140,000 Bonus Points Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Annual fee
$99
Regular APR
20.74% - 27.74% variable
Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Hilton Honors American Express Card

Hilton Honors American Express Card
Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Rewards rate

7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X
Earn 3X Points for all other eligible purchases on your Card.

At A Glance

Intro offer
Earn 100,000 points Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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