IHG One Rewards Traveler Credit Card vs Marriott Bonvoy Bold®
Side-by-side comparison
| IHG One Rewards Traveler Credit Card | Marriott Bonvoy Bold® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 125,000 points | 60,000 points |
| Dining | 3x | 4x |
| Groceries | 1x | 4x |
| Gas | 3x | 2x |
| Travel | 3x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $431 | $763 |
| Points type | Locked to IHG One Rewards | Locked to Marriott Bonvoy |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the IHG One Rewards Traveler Credit Card earns about $431 a year in rewards and the Marriott Bonvoy Bold® about $763, valuing every point at a flat 1 cent. The IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. The Marriott Bonvoy Bold® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Marriott Bonvoy Bold® delivers more total value, about $332 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the IHG One Rewards Traveler Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the IHG One Rewards Traveler Credit Card if your spending leans toward gas, travel. Pick the Marriott Bonvoy Bold® if your spending leans toward dining, groceries, streaming.