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Card vs Card Comparison

IHG One Rewards Premier
vs
Marriott Bonvoy Boundless.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

Chase

IHG One Rewards Premier

Annual fee

$99

Points

IHG One

Signup bonus

140K + Free Night after $3K in 3 months

Earning highlights

  • →10× at IHG properties
  • →5× on travel + dining + gas + grocery
  • →3× everywhere else

Perks highlights

  • →Free night up to 40K points (~$200-400 value)
  • →Platinum elite status
  • →Fourth-night-free on award stays (4th night points-free)
  • →$50 United TravelBank annually
  • →No FTF
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Chase

Marriott Bonvoy Boundless

Annual fee

$95

Points

Marriott Bonvoy

Signup bonus

100K Bonvoy after $3K in 3 months

Earning highlights

  • →6× at Marriott properties
  • →3× on travel + grocery + dining (up to $6K/yr)
  • →2× on everything else

Perks highlights

  • →Free night up to 35K points annually
  • →Silver elite status
  • →15 elite-night credits annually
  • →No FTF
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The verdict

When each card wins.

IHG One Rewards Premier wins if

IHG loyalists; the 4th-night-free on awards alone justifies the AF for one annual trip.

Weakness: IHG points are weak (~0.5¢) but the 4th-night-free promo is genuinely valuable.

Marriott Bonvoy Boundless wins if

Light-to-medium Marriott loyalists. Cheaper than Brilliant; FNC slightly weaker (35K vs 85K).

Weakness: Silver elite is functionally useless. FNC sweet spot ($150-250 cash) is narrower than Brilliant's.

At a glance

Side-by-side spec sheet.

SpecIHG One Rewards PremierMarriott Bonvoy Boundless
Annual fee$99$95
Points currencyIHG OneMarriott Bonvoy
Top earning rate10× at IHG properties6× at Marriott properties
Signup bonus140K + Free Night100K Bonvoy

Questions

Frequently asked.

Should I get the IHG One Rewards Premier or the Marriott Bonvoy Boundless?

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IHG One Rewards Premier wins if ihg loyalists; the 4th-night-free on awards alone justifies the af for one annual trip. Marriott Bonvoy Boundless wins if light-to-medium marriott loyalists. cheaper than brilliant; fnc slightly weaker (35k vs 85k).

Can I have both the IHG One Rewards Premier and the Marriott Bonvoy Boundless?

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Yes — these are issued by different banks (Chase and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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IHG One Rewards Premier has the higher annual fee ($99 vs $95). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from IHG One Rewards Premier more valuable than points from Marriott Bonvoy Boundless?

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IHG One Rewards Premier earns IHG One; Marriott Bonvoy Boundless earns Marriott Bonvoy. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.