Three Chase hotel cards are the Marriott Bonvoy Boundless, the IHG One Rewards Premier, and the World of Hyatt Credit Card.
As of October 2026, Chase lists the Boundless and the World of Hyatt card at a $95 annual fee. Chase lists the IHG One Rewards Premier at $150. The cards differ in point earning, elite status, and free night awards.
Fee and Free Night Structure
Chase publishes an anniversary free night on each card. The point cap or hotel category is the limit on that award.
Annual Fee Comparison
| Card | Annual Fee | Free Night Ceiling |
|---|---|---|
| Marriott Boundless | $95 | Up to 35,000 points |
| IHG Premier | $150 | Up to 50,000 points |
| World of Hyatt | $95 | Category 1-4 |
The Boundless anniversary award covers one night at a redemption level up to 35,000 points. Chase says the award can be combined with up to 25,000 Marriott Bonvoy points. The award expires 12 months after Chase issues it. The cardmember pays resort fees where the hotel charges them.
The IHG Premier anniversary award covers one night at a redemption level of 50,000 points or less. Cardmembers can add IHG One Rewards points above that level. The stay must be completed within 12 months of the issue date. The cardmember pays resort fees and incidental charges.
The World of Hyatt award covers one standard room at a Category 1-4 hotel or resort. It is not valid at Miraval, Hyatt Zilara, or Hyatt Ziva. A second Category 1-4 award is issued after $15,000 in purchases in a calendar year. Each award must be used for a checkout before it expires, 12 months after issuance. Resort, destination, or facility fees are waived on that redeemed award, except at Hyatt Residence Club resorts.
Chase’s card hub on October 16, 2026 also lists the IHG One Rewards Premier Select at $350 and the IHG One Rewards Credit Card at $0. Those two cards are outside this $95 and $150 set. The older Premier figures of a $99 annual fee, a 40,000-point anniversary night, and automatic Platinum Elite are not on the current Premier product page.
Elite Status Provided
Each card includes a hotel elite tier while the account is open. The tier names are not the same step in each program.
Status Tier Comparison
| Card | Status Tier | Published Stay Bonus |
|---|---|---|
| Marriott Boundless | Silver Elite | 10% bonus points, priority late checkout |
| IHG Premier | Gold Elite | 40% bonus on base points on most stays |
| World of Hyatt | Discoverist | 10% bonus on eligible purchases, 2 p.m. checkout |
Chase describes Boundless Silver Elite as a 10% points bonus on stays, priority late checkout when available, and complimentary Wi-Fi. Marriott Bonvoy Gold Elite is a higher Marriott tier, at 25 nights, and is not the automatic Boundless tier.
The IHG Premier includes Gold Elite for as long as the cardmember keeps that account. Chase says Gold Elite members earn a 40% bonus on base points on most IHG stays, which the same page also describes as up to 4 extra points per dollar. Platinum Elite on this card follows $15,000 in purchases in a calendar year. Diamond Elite follows $40,000.
The World of Hyatt card includes Discoverist while the account is open. World of Hyatt tiers list a 10% bonus on eligible purchases and 2 p.m. late checkout where available. Chase also lists a preferred room within the room type booked.
Point Earning Efficiency
The card earn rate is separate from points the hotel program adds for the stay or for elite status.
At-Hotel Earning
| Card | Card Bonus | Total Marketed With Membership and Elite |
|---|---|---|
| Marriott Boundless | 6x | Up to 17x |
| IHG Premier | 10x | Up to 24x |
| World of Hyatt | 4x | Up to 9x |
Chase markets up to 17 total Marriott Bonvoy points per dollar at participating hotels on the Boundless card. The card itself pays 6 points per dollar at those hotels.
Chase markets up to 24 total points per dollar at IHG hotels on the Premier card. That figure is 10 points from the card, up to 10 points from IHG membership, and up to 4 points from Gold Elite.
Chase markets up to 9 total points per dollar at Hyatt on the World of Hyatt card. That figure is 4 bonus points from the card plus up to 5 base points from World of Hyatt membership. The World of Hyatt card FAQ states 2.5 base points per eligible dollar at Hyatt Studios hotels.
Non-Hotel Earning
| Card | Bonus Categories | Base Rate |
|---|---|---|
| Marriott Boundless | 3x grocery, gas, and dining on the first $6,000 combined each year | 2x |
| IHG Premier | 5x on the categories in the rewards agreement | 3x |
| World of Hyatt | 2x dining, airline tickets bought direct, local transit, and gyms | 1x |
Boundless pays 3 points per dollar on the first $6,000 spent in a year on gas stations, grocery stores, and dining combined. Further spend in those categories earns the 2-point base rate. Chase defines that year from the account open date through the first December statement, then in later years from December statement to December statement.
The IHG One Rewards Premier Rewards Program Agreement sets two schedules. From October 1, 2026 through December 31, 2026, the card pays 5 points per dollar on travel other than IHG hotels, grocery stores, gas stations, and dining. Travel purchases that post by December 31, 2026 keep that 5-point rate. Starting January 1, 2027, the 5-point travel rate is limited to airline tickets bought directly from the airline and to car rental agencies. Other travel then earns 3 points per dollar. Grocery stores, gas stations, and dining stay at 5 points per dollar. All other purchases earn 3 points per dollar in both schedules. The card also pays 15,000 bonus points after $15,000 in purchases in a calendar year.
The World of Hyatt card pays 2 bonus points per dollar on dining, airline tickets purchased directly from the airline, local transit and commuting, and fitness club and gym memberships. Other purchases earn 1 bonus point per dollar.
Multi-Night Redemption Benefits
Each program publishes a different rule for a run of award nights.
Free Night Stacking
- Marriott: Marriott’s redemption page states “Stay for 5, Pay for 4.” Members receive a complimentary night when they redeem five consecutive nights. The page does not limit the benefit to Boundless cardmembers.
- IHG Premier: On a reward-night stay of four or more consecutive nights at the same hotel, every 4th night is free. Chase says the benefit does not apply to paid stays or Points & Cash bookings. Checking out before the 4th night forfeits that night.
- World of Hyatt: The card pages reviewed in October 2026 do not list a multi-night discount on award stays.
A free 5th Marriott night is one night off a five-night award stay. A free 4th IHG night is one night off a four-night award stay.
Path to Higher Status
Each card adds elite-night credits, a spend threshold, or both.
Status Advancement
| Card | Mechanism | Requirement |
|---|---|---|
| Marriott Boundless | Elite night credits | 15 each calendar year, plus 1 per $5,000 spent |
| Marriott Boundless | Spend path to Gold | $35,000 in purchases in a calendar year |
| IHG Premier | Automatic status | Gold Elite while the account is open |
| IHG Premier | Spend path to Platinum | $15,000 in a calendar year, plus 5 elite night credits and 15,000 points |
| IHG Premier | Spend path to Diamond | $40,000 in purchases in a calendar year |
| IHG Premier | Elite night credits | 15 at opening and each calendar year, plus 2 per $5,000 spent |
| World of Hyatt | Qualifying nights | 5 each year, plus 2 per $5,000 in purchases |
Marriott Bonvoy lists Gold Elite at 25 nights per year. The 15 Boundless elite night credits leave 10 nights before that line, before any credits from spend. Marriott’s card page states no cap on the extra night earned per $5,000. If a member has more than one Marriott Bonvoy consumer card that awards these credits, Marriott deposits the annual credit from only one of them, the card with the highest number.
The IHG Premier’s $15,000 spend path adds Platinum Elite, 5 elite night credits, and 15,000 bonus points. Those 5 credits sit on top of the annual 15 and on top of the 2 credits per $5,000. The $40,000 path adds Diamond Elite. Chase says both of those earned tiers last through December 31 of the following year.
The World of Hyatt card deposits 5 tier-qualifying nights within eight weeks of account opening, then within eight weeks of January 1 each later year. It adds 2 tier-qualifying nights per $5,000 in purchases. Those nights count toward status. They are not free night awards.
Auxiliary Benefits
Travel Credits
The IHG Premier lists these credits on the October 2026 Chase page.
- Up to $100 a year in IHG food and beverage rewards, issued as a $25 voucher each calendar quarter, for eligible charges on the room bill at participating IHG hotels. Each voucher expires at the end of that quarter. Unused value is forfeited.
- A $100 airline statement credit after at least $250 spent on flights purchased directly with the airline, each calendar year through December 31, 2027.
- Up to $120 every four years toward a Global Entry, TSA PreCheck, or NEXUS application fee charged to the card.
- Up to $50 in United Airlines TravelBank cash each calendar year, as two $25 deposits, after the card is registered to a MileagePlus account. The January-to-June deposit expires on July 15 of that year. The July-to-December deposit expires on January 15 of the next year.
The Boundless product page does not list a standing annual travel credit. A new-cardmember offer through June 30, 2027 advertises up to $100 in airline statement credits, as $50 semi-annually, after $500 in eligible airline purchases.
The World of Hyatt card pages reviewed in October 2026 do not list an annual travel credit.
Cell Phone Protection
The October 2026 Chase protection copy for the IHG Premier does not name cell phone protection. It does name baggage delay, lost luggage, purchase protection, and trip cancellation and interruption.
The Boundless product page lists baggage delay, lost luggage, and trip delay reimbursement. It does not name cell phone protection.
The World of Hyatt card pages reviewed in October 2026 do not name cell phone protection.
Network Size and Availability
Hotel availability varies significantly by brand:
| Program | Global Properties | Brands |
|---|---|---|
| Marriott Bonvoy | 10,000+ | 30+ |
| IHG One Rewards | 6,000+ | 19 |
| World of Hyatt | 1,300+ | 20+ |
Selection Considerations
Hotel Preference
Points in Marriott Bonvoy, IHG One Rewards, and World of Hyatt do not transfer across those programs.
Spending Patterns
The IHG Premier pays 5 points per dollar on grocery stores, gas stations, dining, and the travel categories in its rewards agreement, and 3 points per dollar on other purchases. Marriott’s 3-point categories stop after $6,000 in combined grocery, gas, and dining spend each year. The World of Hyatt card pays 1 point per dollar outside its 2-point categories.
Aspirational Redemptions
The three programs do not publish one shared cent value for their points. The World of Hyatt anniversary award covers Category 1-4 hotels and resorts.
Common Misconceptions
“The IHG card is the most expensive, so it must be the most valuable.”
As of October 16, 2026, Chase lists the IHG Premier at $150 a year and the Boundless and World of Hyatt cards at $95. A higher annual fee is a price difference. It does not set the redemption value of the free night award.
“Hyatt’s lower earning rates make it inferior.”
The World of Hyatt card pays 4 bonus points per dollar at Hyatt and up to 9 total points with membership base points. The IHG Premier pays 10 points per dollar at IHG hotels and Chase markets up to 24 total points with membership and Gold Elite. The programs do not publish a shared cent value for those points.
“I can use my free night certificate at any property in the chain.”
The Boundless anniversary award is capped at a 35,000-point redemption level, and Chase allows up to 25,000 additional points on top. The IHG Premier anniversary award is capped at 50,000 points unless the cardmember adds points. The World of Hyatt award is limited to Category 1-4 hotels and resorts, and it excludes Miraval, Hyatt Zilara, and Hyatt Ziva.
