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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	IHG One Rewards Premier Credit Card Chase · $150/yr	Marriott Bonvoy Boundless Credit Card Chase · $95/yr
Annual fee	$150	$95 Lowest
Welcome offerCurrent public offer	Up to 190,000 points	—
Rewards	IHG One Rewards	Marriott Bonvoy
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Car Rentals	5x Highest	2x
Dining	5x Highest	3x
Flights	5x Highest	2x
Gas Stations	5x Highest	3x
Grocery Stores	5x Highest	3x
Everything else	3x Highest	2x
Statement creditsAs the issuer states them · — means none on record
Travel	$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	Up to $100 airline credits (through 6/30/2027) · $100 one-time
Dining & delivery	DoorDash DashPass $10/mo Instacart+	DoorDash DashPass
Perks & access— means none on record
Hotel status & programs	Automatic IHG Gold Elite status Platinum Elite at $15K spend, Diamond at $40K	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	30% reward points discount	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	Trip cancellation and interruption insurance · up to $5,000	Up to $500 Trip Delay Reimbursement for Extended Delays
Baggage	Lost Luggage Reimbursement · up to $3,000 Baggage delay insurance · up to $100	Up to $3,000 Lost Luggage Reimbursement per Traveler Up to $500 Baggage Delay Insurance Coverage
Rental car	—	Rental car CDW saves $15-30/day on collision waiver
Purchase & returns	Purchase protection for new items · up to $500	Up to $500 Purchase Protection Against Theft and Damage
Extended warranty	Extended warranty protection for eligible purchases · up to $1	—
Other protections	—	24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
Pros	$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	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	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	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)
	Card details	Card details

IHG One Rewards Premier Credit Card
Chase · $150/yr
Marriott Bonvoy Boundless Credit Card
Chase · $95/yr

Overview

Annual fee: IHG One Rewards Premier Credit Card
$150
Marriott Bonvoy Boundless Credit Card
$95
Lowest
Welcome offerCurrent public offer: IHG One Rewards Premier Credit Card
Up to 190,000 points
Marriott Bonvoy Boundless Credit Card
—
Rewards: IHG One Rewards Premier Credit Card
IHG One Rewards
Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy
Foreign transaction fee: IHG One Rewards Premier Credit Card
None
Marriott Bonvoy Boundless Credit Card
None
Network: IHG One Rewards Premier Credit Card
Mastercard World Elite
Marriott Bonvoy Boundless Credit Card
Visa Signature

Earn ratesPer $1 spent

Car Rentals: IHG One Rewards Premier Credit Card
5x
Highest
Marriott Bonvoy Boundless Credit Card
2x
Dining: IHG One Rewards Premier Credit Card
5x
Highest
Marriott Bonvoy Boundless Credit Card
3x
Flights: IHG One Rewards Premier Credit Card
5x
Highest
Marriott Bonvoy Boundless Credit Card
2x
Gas Stations: IHG One Rewards Premier Credit Card
5x
Highest
Marriott Bonvoy Boundless Credit Card
3x
Grocery Stores: IHG One Rewards Premier Credit Card
5x
Highest
Marriott Bonvoy Boundless Credit Card
3x
Everything else: IHG One Rewards Premier Credit Card
3x
Highest
Marriott Bonvoy Boundless Credit Card
2x

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)

Card details

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