$150/yrIHG One RewardsNo foreign feeMastercardUsually needs 670+
View issuer offerComparison brief
IHG One Rewards Premier vs. Marriott Bonvoy Boundless
Browse all comparisons
Both are $95-$150 mid-tier hotel co-brand cards, but only one of them behaves like a hotel card. IHG One Rewards Premier pays 5x on nearly every travel category (flights, hotels of any brand, car rentals, cruises, and local transit) plus dining, gas, and groceries — a broad travel-and-dining card that happens to also earn 10x at IHG properties. For purchases posting after December 31, 2026, its travel 5x narrows to airline tickets bought directly and car rental agencies. Marriott Bonvoy Boundless keeps its bonus concentrated: 6x at Marriott properties only, with everything else limited to a 2x baseline or a capped 3x on groceries, gas, dining, and fast food.
2/4 selected
Ready
Overview
$95/yrMarriott BonvoyNo foreign feeVisaUsually needs 670+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Flights outside issuer portals
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Gas stations (excluding Costco Gas)
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Groceries — in store
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Groceries — online
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Hotels outside issuer portals
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
IHG Properties
- IHG One Rewards Premier
- 10x
- Marriott Bonvoy Boundless
- 2x
Marriott Properties
- IHG One Rewards Premier
- 3x
- Marriott Bonvoy Boundless
- 6x
Other travel outside issuer portals
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Transit
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Travel - Car Rentals / Agencies / Cruises
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Travel - Vacation Homes
- IHG One Rewards Premier
- 5x
- Marriott Bonvoy Boundless
- 2x
Everything else
- IHG One Rewards Premier
- 3x
- Marriott Bonvoy Boundless
- 2x
| Category | IHG One Rewards Premier | Marriott Bonvoy Boundless |
|---|---|---|
| Dining | 5x | 2x |
| Flights outside issuer portals | 5x | 2x |
| Gas stations (excluding Costco Gas) | 5x | 2x |
| Groceries — in store | 5x | 2x |
| Groceries — online | 5x | 2x |
| Hotels outside issuer portals | 5x | 2x |
| IHG Properties | 10x | 2x |
| Marriott Properties | 3x | 6x |
| Other travel outside issuer portals | 5x | 2x |
| Transit | 5x | 2x |
| Travel - Car Rentals / Agencies / Cruises | 5x | 2x |
| Travel - Vacation Homes | 5x | 2x |
| Everything else | 3x | 2x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Annual Free Night Award
- IHG One Rewards Premier
- $100/yr estimated usableUp to $150/yrEasy to use
- Marriott Bonvoy Boundless
- —
IHG Food & Beverage Reward
- IHG One Rewards Premier
- $0/yr estimated usableUp to $100/yrConditional
- Marriott Bonvoy Boundless
- —
Airline Statement Credit
- IHG One Rewards Premier
- $50/yr estimated usableUp to $100/yrConditional
- Marriott Bonvoy Boundless
- —
Global Entry / TSA PreCheck
- IHG One Rewards Premier
- $30/yr estimated usableEasy to use
- Marriott Bonvoy Boundless
- —
United TravelBank Credit
- IHG One Rewards Premier
- $0/yr estimated usableUp to $50/yrConditional
- Marriott Bonvoy Boundless
- —
Instacart+ Credit
- IHG One Rewards Premier
- $0/yr estimated usableUp to $120/yrConditional
- Marriott Bonvoy Boundless
- —
DashPass + DoorDash Credit
- IHG One Rewards Premier
- $0/yr estimated usableUp to $120/yrConditional
- Marriott Bonvoy Boundless
- —
Annual Free Night Award
- IHG One Rewards Premier
- —
- Marriott Bonvoy Boundless
- $150/yr estimated usableUp to $250/yrEasy to use
Airline Statement Credit
- IHG One Rewards Premier
- —
- Marriott Bonvoy Boundless
- $50/yr estimated usableUp to $100/yrConditional
DashPass + DoorDash Credit
- IHG One Rewards Premier
- —
- Marriott Bonvoy Boundless
- $0/yr estimated usableUp to $40/yrConditional
Estimated usable credit value
- IHG One Rewards Premier
- $180/yr
- Marriott Bonvoy Boundless
- $200/yr
Maximum face value
- IHG One Rewards Premier
- $670/yr
- Marriott Bonvoy Boundless
- $390/yr
| Credit | IHG One Rewards Premier | Marriott Bonvoy Boundless |
|---|---|---|
| Annual Free Night Award | $100/yr estimated usable Up to $150/yr Easy to use | — |
| IHG Food & Beverage Reward | $0/yr estimated usable Up to $100/yr Conditional | — |
| Airline Statement Credit | $50/yr estimated usable Up to $100/yr Conditional | — |
| Global Entry / TSA PreCheck | $30/yr estimated usable Easy to use | — |
| United TravelBank Credit | $0/yr estimated usable Up to $50/yr Conditional | — |
| Instacart+ Credit | $0/yr estimated usable Up to $120/yr Conditional | — |
| DashPass + DoorDash Credit | $0/yr estimated usable Up to $120/yr Conditional | — |
| Annual Free Night Award | — | $150/yr estimated usable Up to $250/yr Easy to use |
| Airline Statement Credit | — | $50/yr estimated usable Up to $100/yr Conditional |
| DashPass + DoorDash Credit | — | $0/yr estimated usable Up to $40/yr Conditional |
| Estimated usable credit value | $180/yr | $200/yr |
| Maximum face value | $670/yr | $390/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
Run the optimizer — free