Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the IHG One Rewards Premier Card ($99/yr) and the Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5%. Up to 26x at IHG hotels, 5x on travel, gas, and dining. Earns a solid 3.0% on everything else.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in dining at 3%. 6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually. Earns a solid 2.0% on everything else.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | IHG One Rewards Premier Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $99 | $95 |
| Sign-Up Bonus | 140,000 points after $3,000 spend in 3 months | 125,000 points after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3% | 2% |
| Travel Rewards | 5% | 2% |
| Dining Rewards | 5% | 3% |
| Groceries Rewards | 3% | 3% |
| Gas Rewards | 5% | 3% |
| Rates with conditions not counted in the rows above |
None |
6% at Marriott hotels Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | Up to 26x at IHG hotels, 5x on travel, gas, and dining. | 6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually. |
IHG One Rewards Premier Card pulls ahead for travel, dining, gas spending.
IHG One Rewards Premier Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Marriott Bonvoy Boundless Credit Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.