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Chase IHG One Rewards Credit Card vs Marriott Bonvoy Boundless

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Marriott Bonvoy Boundless 1.5% 2x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. IHG One Rewards Credit Card 1.8% 3x

Gas

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. IHG One Rewards Credit Card 1.8% 3x

Streaming

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Phone & internet

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Utilities

  1. IHG One Rewards Credit Card 1.8% 3x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Hotels

  1. Marriott Bonvoy Boundless 4.5% 6x
  2. IHG One Rewards Credit Card 1.2% 2x base rate

What the numbers are doing

Marriott Bonvoy Boundless tops everything else at 1.5% only because this table values its points at 0.75 cents each. Value them at one cent and IHG One Rewards Credit Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge IHG One Rewards Credit Card $0 and Marriott Bonvoy Boundless $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Marriott Bonvoy Boundless takes everything else, dining, groceries and gas, plus 1 more; IHG One Rewards Credit Card takes streaming, phone & internet and utilities.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Boundless1.5%
DiningMarriott Bonvoy Boundless2.3%
GroceriesMarriott Bonvoy Boundless2.3%
GasMarriott Bonvoy Boundless2.3%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%
HotelsMarriott Bonvoy Boundless4.5%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Marriott Bonvoy Boundless — 1.5%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. Marriott Bonvoy Boundless — 2.3%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. Marriott Bonvoy Boundless — 2.3%
  2. IHG One Rewards Credit Card — 1.8%

Gas

  1. Marriott Bonvoy Boundless — 2.3%
  2. IHG One Rewards Credit Card — 1.8%

Streaming

  1. IHG One Rewards Credit Card — 1.8%
  2. Marriott Bonvoy Boundless — 1.5%

Phone & internet

  1. IHG One Rewards Credit Card — 1.8%
  2. Marriott Bonvoy Boundless — 1.5%

Utilities

  1. IHG One Rewards Credit Card — 1.8%
  2. Marriott Bonvoy Boundless — 1.5%

Hotels

  1. Marriott Bonvoy Boundless — 4.5%
  2. IHG One Rewards Credit Card — 1.2%
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