Blue Cash Everyday Card from American Express vs Marriott Bonvoy Bold Credit Card
Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Blue Cash Everyday Card from American ExpressAmerican Express · No annual fee
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Blue Cash Everyday Card from American Express$0Marriott Bonvoy Bold Credit Card$0
- Welcome offerCurrent public offer
- Blue Cash Everyday Card from American Express$200 cash backMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Blue Cash Everyday Card from American ExpressCash backMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Blue Cash Everyday Card from American Express2.7%Marriott Bonvoy Bold Credit CardNoneLowest
- Network
- Blue Cash Everyday Card from American ExpressAmerican ExpressMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Gas Stations
- Blue Cash Everyday Card from American Express3%Marriott Bonvoy Bold Credit Card1x
- Grocery Stores
- Blue Cash Everyday Card from American Express3%Marriott Bonvoy Bold Credit Card2x
- Online Shopping
- Blue Cash Everyday Card from American Express3%Marriott Bonvoy Bold Credit Card1x
- Cable TV
- Blue Cash Everyday Card from American Express1%Marriott Bonvoy Bold Credit Card2x
- Department Stores
- Blue Cash Everyday Card from American Express2%Marriott Bonvoy Bold Credit Card1x
- Food Delivery
- Blue Cash Everyday Card from American Express1%Marriott Bonvoy Bold Credit Card2x
- Ridesharing
- Blue Cash Everyday Card from American Express1%Marriott Bonvoy Bold Credit Card2x
- Streaming
- Blue Cash Everyday Card from American Express1%Marriott Bonvoy Bold Credit Card2x
- Telecom
- Blue Cash Everyday Card from American Express1%Marriott Bonvoy Bold Credit Card2x
- Everything else
- Blue Cash Everyday Card from American Express1%Marriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Blue Cash Everyday Card from American Express—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
- Entertainment & streaming
- Blue Cash Everyday Card from American Express
- $7/mo Disney+ · $7 monthly
Marriott Bonvoy Bold Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Blue Cash Everyday Card from American Express—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Blue Cash Everyday Card from American Express
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Blue Cash Everyday Card from American Express—Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
- Baggage
- Blue Cash Everyday Card from American Express—Marriott Bonvoy Bold Credit Card
- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- Blue Cash Everyday Card from American Express
- Car Rental Loss and Damage Insurance
Marriott Bonvoy Bold Credit Card- Auto rental coverage up to $60,000
- Purchase & returns
- Blue Cash Everyday Card from American Express
- Up to $1,000 per item against damage or theft
Marriott Bonvoy Bold Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Blue Cash Everyday Card from American Express—Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Blue Cash Everyday Card from American Express
- Zero liability protection on fraudulent charges
Marriott Bonvoy Bold Credit Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Blue Cash Everyday Card from American Express
- No annual fee with solid category rewards
- 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
- Up to $84/year Disney Bundle credit for streaming subscriptions
- 0% intro APR for 15 months on purchases (3 months longer than Preferred)
- As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- Cons
- Blue Cash Everyday Card from American Express
- 3% grocery rate is half of Blue Cash Preferred's 6%
- 2.7% foreign transaction fee makes it unsuitable for travel
- 3% rates on gas and online retail are capped at $6,000/year each
- 1% back on non-category purchases is below average
- $6,000 annual cap on grocery bonus limits heavy spenders
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Expert Analysis
The Blue Cash Everyday Card from American Express and Marriott Bonvoy Bold Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Blue Cash Everyday Card from American Express's strongest category is Grocery Stores at 3X, while the Marriott Bonvoy Bold Credit Card leads with 14X on Marriott Hotels. Neither card dominates across the board — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Blue Cash Everyday Card from American Express earns 3X on Grocery Stores vs 2X for the other
- Blue Cash Everyday Card from American Express earns 3X on Online Shopping vs 1X for the other
- Blue Cash Everyday Card from American Express earns 2X on Gas Stations vs 1X for the other
- Different networks: Blue Cash Everyday Card from American Express is AMEX, Marriott Bonvoy Bold Credit Card is VISA
Spending Scenarios
Which card wins in real-world spending situations?
$600/month on grocery stores
Blue Cash Everyday Card from American ExpressBlue Cash Everyday Card from American Express earns 3X vs 2X. Over a year, that's 21,600 vs 14,400 points — a 7,200-point advantage.
$200/month on online shopping
Blue Cash Everyday Card from American ExpressBlue Cash Everyday Card from American Express earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$200/month on marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1X. Over a year, that's 33,600 vs 2,400 points — a 31,200-point advantage.
$200/month on streaming internet cable phone
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-point advantage.
Who Should Get Which?
Get the Blue Cash Everyday Card from American Express if:
The Blue Cash Everyday Card from American Express is ideal for cardholders who prioritize spending heavily on grocery stores and online shopping. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and streaming internet cable phone. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Marriott Bonvoy Bold Credit Card wins in 5 of 6 categories. The Blue Cash Everyday Card from American Express leads in 1. 3 more categories depend on booking channel or caps.
Gas Stations
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
Grocery Stores
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Marriott Bonvoy Bold Credit Card earns 2X (2X without restrictions)
Online Shopping
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Blue Cash Everyday Card from American Express | Marriott Bonvoy Bold Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $362 | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Blue Cash Everyday Card from American Express | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $722 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Blue Cash Everyday Card from American Express | Close — depends on how much of the credits you use |
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Frequently Asked Questions
- Which card earns more rewards, the Blue Cash Everyday Card from American Express or Marriott Bonvoy Bold Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Blue Cash Everyday Card from American Express or the Marriott Bonvoy Bold Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.