IHG One Rewards Premier Credit Card vs Marriott Bonvoy Bold Credit Card
Annual fees: IHG One Rewards Premier Credit Card $150/yr, Marriott Bonvoy Bold Credit Card $0/yr. Strongest bonus categories: IHG One Rewards Premier Credit Card on gas stations, Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of October 12, 2026.
IHG One Rewards Premier Credit CardChase · $150/yr
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- IHG One Rewards Premier Credit Card$150Marriott Bonvoy Bold Credit Card$0Lowest
- Welcome offerCurrent public offer
- IHG One Rewards Premier Credit CardUp to 190,000 pointsMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- IHG One Rewards Premier Credit CardIHG One RewardsMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- IHG One Rewards Premier Credit CardNoneMarriott Bonvoy Bold Credit CardNone
- Network
- IHG One Rewards Premier Credit CardMastercard World EliteMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent
- Car Rentals
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Bold Credit Card1x
- Dining
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Bold Credit Card1x
- Flights
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Bold Credit Card1x
- Gas Stations
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Bold Credit Card1x
- Grocery Stores
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Bold Credit Card2x
- Cable TV
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Food Delivery
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Ridesharing
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Streaming
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Telecom
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Everything else
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- IHG One Rewards Premier Credit Card
- $120 Global Entry/TSA PreCheck · $120 every 4 years
- $100 airline statement credit
- $100/yr IHG food & beverage · $25 quarterly
- $50/yr United TravelBank · $25 every 6 months
Marriott Bonvoy Bold Credit Card— - Dining & delivery
- IHG One Rewards Premier Credit Card
- DoorDash DashPass
- $10/mo Instacart+
Marriott Bonvoy Bold Credit Card- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- IHG One Rewards Premier Credit Card
- Automatic IHG Gold Elite status
- Platinum Elite at $15K spend, Diamond at $40K
Marriott Bonvoy Bold Credit Card- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- IHG One Rewards Premier Credit Card
- 30% reward points discount
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- IHG One Rewards Premier Credit Card
- Trip cancellation and interruption insurance · up to $5,000
Marriott Bonvoy Bold Credit Card- $500 trip delay reimbursement
- Baggage
- IHG One Rewards Premier Credit Card
- Lost Luggage Reimbursement · up to $3,000
- Baggage delay insurance · up to $100
Marriott Bonvoy Bold Credit Card- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- IHG One Rewards Premier Credit Card—Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
- Purchase & returns
- IHG One Rewards Premier Credit Card
- Purchase protection for new items · up to $500
Marriott Bonvoy Bold Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- IHG One Rewards Premier Credit Card
- Extended warranty protection for eligible purchases · up to $1
Marriott Bonvoy Bold Credit Card- Extended warranty protection for eligible purchases · up to $1
- Other protections
- IHG One Rewards Premier Credit Card—Marriott Bonvoy Bold Credit Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- IHG One Rewards Premier Credit Card
- $150 annual fee is offset by the Anniversary Free Night (up to 50,000 points) and the annual credits
- 10X points at IHG properties; 5X on directly booked flights, car rentals, dining, grocery and gas
- Automatic Gold Elite status; Platinum Elite after $15K annual spend
- Fourth night free on award stays effectively gives 25% discount
- Up to $100 in IHG food and beverage credits and a $100 airline statement credit each year
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- Cons
- IHG One Rewards Premier Credit Card
- Free night capped at 50,000 points excludes top-tier properties
- IHG points valued around 0.5 cents per point - lower than competitors
- No airport lounge access included
- $50 United TravelBank credit requires separate registration
- Diamond Elite through spend requires hefty $40K annual threshold
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Category-by-Category Winner
The IHG One Rewards Premier Credit Card wins in 11 of 11 categories. The Marriott Bonvoy Bold Credit Card leads in 0.
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 1X
Flights
IHG One Rewards Premier Credit Card earns 5X vs 1X
Car Rentals
IHG One Rewards Premier Credit Card earns 5X vs 1X
Grocery Stores
IHG One Rewards Premier Credit Card earns 5X vs 2X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 1X
Streaming
IHG One Rewards Premier Credit Card earns 3X vs 2X
Telecom
IHG One Rewards Premier Credit Card earns 3X vs 2X
Cable TV
IHG One Rewards Premier Credit Card earns 3X vs 2X
Ridesharing
IHG One Rewards Premier Credit Card earns 3X vs 2X
Food Delivery
IHG One Rewards Premier Credit Card earns 3X vs 2X
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the IHG One Rewards Premier Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | IHG One Rewards Premier Credit Card | Marriott Bonvoy Bold Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $274 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $284 Year one: $1,394 | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | IHG One Rewards Premier Credit Card | IHG One Rewards Premier Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,094 Credits (our usable estimate): $160 − Annual fee ($150) Ongoing: $1,104 Year one: $2,214 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | IHG One Rewards Premier Credit Card | IHG One Rewards Premier Credit Card |
Is the Fee Difference Worth It?
The IHG One Rewards Premier Credit Card costs $150/yr — that's $150 more than the Marriott Bonvoy Bold Credit Card (no annual fee). To justify that gap, you need to extract at least $150 in annual value from the card's higher earn rates and benefits.
The IHG One Rewards Premier Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $150 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $150 fee gap means the IHG One Rewards Premier Credit Card needs roughly $150 more in annual rewards (or credits you will use) to break even on gas stations and flights and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Marriott Bonvoy Bold Credit Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the IHG One Rewards Premier Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the IHG One Rewards Premier Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 3X on the IHG One Rewards Premier Credit Card vs 1X on the other card.
Published annual fees: IHG One Rewards Premier Credit Card $150/yr, Marriott Bonvoy Bold Credit Card $0/yr — a $150 difference before welcome offers and credits.
Frequently Asked Questions
- Is the IHG One Rewards Premier Credit Card worth the higher annual fee?
- The IHG One Rewards Premier Credit Card costs $150/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. Compare the year-one vs ongoing value table on this page — the $150 gap must be offset by higher earn rates, welcome offers, or credits you will use (the IHG One Rewards Premier Credit Card also lists travel credits).
- Which card earns more rewards, the IHG One Rewards Premier Credit Card or Marriott Bonvoy Bold Credit Card?
- The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the IHG One Rewards Premier Credit Card have that the Marriott Bonvoy Bold Credit Card doesn't?
- The IHG One Rewards Premier Credit Card offers travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.
- Should I get the IHG One Rewards Premier Credit Card or the Marriott Bonvoy Bold Credit Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bold Credit Card has a lower $0/yr fee; the IHG One Rewards Premier Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.