IHG One Rewards Traveler Credit Card vs Marriott Bonvoy Business® American Express® Card

This comparison aims to help users decide between the IHG One Rewards Traveler Credit Card and the Marriott Bonvoy Business® American Express® Card. Both cards cater to travelers and offer unique rewards and benefits, making it essential to understand their features before making a decision.

Card Overviews

IHG One Rewards Traveler Credit Card

The IHG One Rewards Traveler Credit Card is designed for travelers who frequently stay at IHG Hotels & Resorts. With no annual fee, this card allows members to earn bonus points on their hotel stays and everyday purchases, making it an attractive option for casual travelers and loyal IHG customers.

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card targets business travelers and loyal Marriott customers. With a $125 annual fee, this card provides significant rewards on hotel stays, dining, and other business-related expenses, making it ideal for those who frequently engage with the Marriott Bonvoy program.

Detailed Feature Comparison

Rewards Highlights

Marriott Bonvoy Business® American Express® Card

• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points on all other eligible purchases.

IHG One Rewards Traveler Credit Card

• Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts.
• Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants.
• Earn 2 points per $1 spent on all other purchases.

Pros and Cons

IHG One Rewards Traveler Credit Card

• Pros:
  • No annual fee
  • Attractive welcome bonus
  • High earning potential on IHG stays
  • No foreign transaction fees
• Cons:
  • Limited rewards on non-eligible purchases
  • Less valuable for frequent Marriott users

Marriott Bonvoy Business® American Express® Card

• Pros:
  • Generous welcome offer
  • Valuable rewards structure for Marriott stays
  • Additional free night benefits
  • Free elite status
• Cons:
  • Higher annual fee
  • Spending threshold for welcome offer requires more upfront investment

Who Should Consider Which Card?

The IHG One Rewards Traveler Credit Card is ideal for those who primarily stay at IHG properties and prefer a no-annual-fee card that rewards them for their loyalty. On the other hand, the Marriott Bonvoy Business® American Express® Card is better suited for frequent travelers who stay at Marriott properties and can benefit from the rewards structure and additional perks that come with the card’s annual fee.

Conclusion

Both the IHG One Rewards Traveler Credit Card and the Marriott Bonvoy Business® American Express® Card offer unique advantages. It is essential to evaluate your individual needs, spending habits, and travel preferences to choose the card that best aligns with your financial goals and lifestyle.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”