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 ($150/yr) and the Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. IHG One Rewards Premier Card needs about $510 a month in flights, counting that spending alone, to make up its $55 higher annual fee over Marriott Bonvoy Boundless. Below that, Marriott Bonvoy Boundless comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in flights at 5%. Up to 24x total at IHG hotels, 5x on direct flights, car rentals, dining, groceries, and gas. 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% (up to $6,000/yr). 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. Earns a solid 2.0% on everything else.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply Now| Feature | IHG One Rewards Premier Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $150 | $95 |
| Sign-Up Bonus | 180,000 points after $3,000 spend in 3 months | 3 free nights after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3% | 2% |
| Flights Rewards | 5% | 2% |
| Hotels Rewards | 3% | 2% |
| Other travel Rewards | 3% | 2% |
| Dining Rewards | 5% | 3% (up to $6,000/yr) |
| Groceries Rewards | 5% | 3% (up to $6,000/yr) |
| Gas Rewards | 5% | 3% (up to $6,000/yr) |
| Rates with conditions not counted in the rows above |
10% at IHG hotels Earns 10% only on stays at IHG Hotels and Resorts. Other hotels earn 3%. 5% on car rentals Earns 5% only at car rental agencies. Rideshare, transit and other travel earn 3%. |
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 24x total at IHG hotels, 5x on direct flights, car rentals, dining, groceries, and gas. | 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. |
IHG One Rewards Premier Card pulls ahead for travel, dining, groceries, gas spending.
The $55/year fee difference means IHG One Rewards Premier Card needs to earn about that much more in rewards to justify its cost.
IHG One Rewards Premier Card carries $440/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.