IHG One Rewards Premier Credit Card vs Marriott Bonvoy Boundless Credit Card
Annual fees: IHG One Rewards Premier Credit Card $150/yr, Marriott Bonvoy Boundless Credit Card $95/yr. Strongest bonus categories: IHG One Rewards Premier Credit Card on gas stations, Marriott Bonvoy Boundless Credit Card on dining.
Card data as of October 12, 2026.
IHG One Rewards Premier Credit CardChase · $150/yr
Marriott Bonvoy Boundless Credit CardChase · $95/yr
Overview
- Annual fee
- IHG One Rewards Premier Credit Card$150Marriott Bonvoy Boundless Credit Card$95Lowest
- Welcome offerCurrent public offer
- IHG One Rewards Premier Credit CardUp to 190,000 pointsMarriott Bonvoy Boundless Credit Card—
- Rewards
- IHG One Rewards Premier Credit CardIHG One RewardsMarriott Bonvoy Boundless Credit CardMarriott Bonvoy
- Foreign transaction fee
- IHG One Rewards Premier Credit CardNoneMarriott Bonvoy Boundless Credit CardNone
- Network
- IHG One Rewards Premier Credit CardMastercard World EliteMarriott Bonvoy Boundless Credit CardVisa Signature
Earn ratesPer $1 spent
- Car Rentals
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Boundless Credit Card2x
- Dining
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Boundless Credit Card3x
- Flights
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Boundless Credit Card2x
- Gas Stations
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Boundless Credit Card3x
- Grocery Stores
- IHG One Rewards Premier Credit Card5xHighestMarriott Bonvoy Boundless Credit Card3x
- Everything else
- IHG One Rewards Premier Credit Card3xHighestMarriott Bonvoy Boundless Credit Card2x
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 Boundless Credit Card- Up to $100 airline credits (through 6/30/2027) · $100 one-time
- Dining & delivery
- IHG One Rewards Premier Credit Card
- DoorDash DashPass
- $10/mo Instacart+
Marriott Bonvoy Boundless 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 Boundless Credit Card- 15 Marriott Bonvoy Elite Night Credits Awarded Annually
- Gold Elite status at $35,000 annual card spend
- Automatic Silver Elite with 10% points bonus on stays
- 1 Free Night Award worth up to 35,000 points/year
- Other perks
- IHG One Rewards Premier Credit Card
- 30% reward points discount
Marriott Bonvoy Boundless Credit Card- 24/7 concierge for travel, dining, and 4+ services
- No Foreign Transaction Fees on International Purchases
- 24/7 travel and emergency assistance in 200+ countries
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 Boundless Credit Card- Up to $500 Trip Delay Reimbursement for Extended Delays
- Baggage
- IHG One Rewards Premier Credit Card
- Lost Luggage Reimbursement · up to $3,000
- Baggage delay insurance · up to $100
Marriott Bonvoy Boundless Credit Card- Up to $3,000 Lost Luggage Reimbursement per Traveler
- Up to $500 Baggage Delay Insurance Coverage
- Rental car
- IHG One Rewards Premier Credit Card—Marriott Bonvoy Boundless Credit Card
- Rental car CDW saves $15-30/day on collision waiver
- Purchase & returns
- IHG One Rewards Premier Credit Card
- Purchase protection for new items · up to $500
Marriott Bonvoy Boundless Credit Card- Up to $500 Purchase Protection Against Theft and Damage
- Extended warranty
- IHG One Rewards Premier Credit Card
- Extended warranty protection for eligible purchases · up to $1
Marriott Bonvoy Boundless Credit Card— - Other protections
- IHG One Rewards Premier Credit Card—Marriott Bonvoy Boundless Credit Card
- 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 Boundless Credit Card- Automatic Silver Elite status
- 15 elite night credits per year
- 6X card points at participating Marriott hotels; up to 17X combined with eligible Bonvoy membership and Silver Elite earnings
- Anniversary Free Night Award (up to 35,000 points)
- 3X on dining, gas, and grocery (first $6,000 combined annually)
- 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 Boundless Credit Card- Only 2X on non-bonus category purchases
- Silver Elite has limited benefits
- Points locked to Marriott ecosystem
- 3X bonus categories have combined $6,000 annual spend cap
- Free Night Award capped at 35,000 points (mid-tier properties)
Category-by-Category Winner
The IHG One Rewards Premier Credit Card wins in 6 of 6 categories. The Marriott Bonvoy Boundless Credit Card leads in 0.
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 3X
Flights
IHG One Rewards Premier Credit Card earns 5X vs 2X
Car Rentals
IHG One Rewards Premier Credit Card earns 5X vs 2X
Grocery Stores
IHG One Rewards Premier Credit Card earns 5X vs 3X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 3X
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 2X
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 Boundless 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: $168 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $73 Year one: $133 | 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: $672 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $577 Year one: $637 | 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 $55 more than the Marriott Bonvoy Boundless Credit Card ($95/yr). To justify that gap, you need to extract at least $55 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 $55 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $55 fee gap means the IHG One Rewards Premier Credit Card needs roughly $55 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 Boundless Credit Card means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the IHG One Rewards Premier Credit Card if you:
- +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 2X on the other card.
Published annual fees: IHG One Rewards Premier Credit Card $150/yr, Marriott Bonvoy Boundless Credit Card $95/yr — a $55 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 $95/yr for the Marriott Bonvoy Boundless Credit Card. Compare the year-one vs ongoing value table on this page — the $55 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 Boundless Credit Card?
- The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 2X), 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 Boundless Credit Card doesn't?
- The IHG One Rewards Premier Credit Card offers travel credits. The Marriott Bonvoy Boundless Credit Card offers travel credits.
- Should I get the IHG One Rewards Premier Credit Card or the Marriott Bonvoy Boundless Credit Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Boundless Credit Card has a lower $95/yr fee; the IHG One Rewards Premier Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $150/yr.
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.