IHG One Rewards Credit Card vs Marriott Bonvoy Boundless® Credit Card

IHG One Rewards Credit CardIHG One Rewards Credit Card

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Marriott Bonvoy Boundless® Credit CardMarriott Bonvoy Boundless® Credit Card

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Annual Fee
No Annual Fee
$95
Card Type
Personal
Personal
Rewards Currency
IHG One Rewards Points
Marriott Bonvoy Points
Point Value
0.50¢/pt
0.70¢/pt
Base Earn Rate
2x
2x
Welcome Bonus
80,000 IHG One Rewards Points after $2,000 in 90 days
3 Free Night Awards (up to 50,000 points each) after $3,000 in 3 months

Effective return by category

CategoryIHG One Rewards Credit CardMarriott Bonvoy Boundless® Credit Card
Dining & Restaurants1.50%
3x
2.10%
3x · Capped Spending · $6,000 cap
Gas Stations1.50%
3x
2.10%
3x · Capped Spending · $6,000 cap
Groceries1.50%
3x
2.10%
3x · Capped Spending · $6,000 cap
Food Delivery1.00%
2x
2.10%
3x · Capped Spending · $6,000 cap
Everything else1.00%
2x
1.40%
2x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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