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Chase IHG One Rewards Credit Card vs Marriott Bonvoy Bountiful

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 Bountiful 1.5% 2x base rate
  2. IHG One Rewards Credit Card 1.2% 2x base rate

Dining

  1. Marriott Bonvoy Bountiful 3.0% 4x
  2. IHG One Rewards Credit Card 1.8% 3x

Groceries

  1. Marriott Bonvoy Bountiful 3.0% 4x
  2. IHG One Rewards Credit Card 1.8% 3x

Gas

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

Streaming

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

Phone & internet

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

Utilities

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

What the numbers are doing

Marriott Bonvoy Bountiful 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 Bountiful $250 a year, so a thin lead in one category may not cover the difference.

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

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Bountiful1.5%
DiningMarriott Bonvoy Bountiful3.0%
GroceriesMarriott Bonvoy Bountiful3.0%
GasIHG One Rewards Credit Card1.8%
StreamingIHG One Rewards Credit Card1.8%
Phone & internetIHG One Rewards Credit Card1.8%
UtilitiesIHG One Rewards Credit Card1.8%

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 Bountiful — 1.5%
  2. IHG One Rewards Credit Card — 1.2%

Dining

  1. Marriott Bonvoy Bountiful — 3.0%
  2. IHG One Rewards Credit Card — 1.8%

Groceries

  1. Marriott Bonvoy Bountiful — 3.0%
  2. IHG One Rewards Credit Card — 1.8%

Gas

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

Streaming

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

Phone & internet

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

Utilities

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