Bank of America Unlimited Cash Rewards Credit Card vs Marriott Bonvoy Bold Credit Card
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card leads on everyday spending; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Bank of America Unlimited Cash Rewards Credit Card$0Marriott Bonvoy Bold Credit Card$0
- Welcome offerCurrent public offer
- Bank of America Unlimited Cash Rewards Credit Card$250 cash backMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Bank of America Unlimited Cash Rewards Credit CardCash backMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Bank of America Unlimited Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit CardNoneLowest
- Network
- Bank of America Unlimited Cash Rewards Credit CardVisa SignatureMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card2x
- Food Delivery
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card2x
- Grocery Stores
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card2x
- Ridesharing
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card2x
- Streaming
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card2x
- Telecom
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card2x
- Everything else
- Bank of America Unlimited Cash Rewards Credit Card1.5%Marriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
- Other credits
- Bank of America Unlimited Cash Rewards Credit Card
- 3% balance transfer fee
- 0% APR 15 months
Marriott Bonvoy Bold Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Bank of America Unlimited Cash Rewards Credit Card
- No annual fee
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
- Baggage
- Bank of America Unlimited Cash Rewards Credit Card—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
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
- Purchase & returns
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Purchase protection for new items · up to $500
- Extended warranty
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Bank of America Unlimited Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Bank of America Unlimited Cash Rewards Credit Card
- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
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
- Bank of America Unlimited Cash Rewards Credit Card
- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
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 Bank of America Unlimited Cash Rewards Credit Card 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 Bank of America Unlimited Cash Rewards Credit Card's strongest category is All Purchases Ongoing at 1.5X, while the Marriott Bonvoy Bold Credit Card leads with 14X on Marriott Hotels. Overall, the Marriott Bonvoy Bold Credit Card wins in more bonus categories (5 vs 1) — 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
- Bank of America Unlimited Cash Rewards Credit Card earns 1.5X on All Purchases Ongoing vs 1X for the other
- Marriott Bonvoy Bold Credit Card earns 14X on Marriott Hotels vs 1.5X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Grocery Stores vs 1.5X for the other
- Bank of America Unlimited Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X on non-bonus spending)
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on all purchases ongoing
Bank of America Unlimited Cash Rewards Credit CardBank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X. Over a year, that's 3,600 vs 2,400 points — a 1,200-point advantage.
$200/month on marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1.5X. Over a year, that's 33,600 vs 3,600 points — a 30,000-point advantage.
$600/month on grocery stores
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1.5X. Over a year, that's 14,400 vs 10,800 points — a 3,600-point advantage.
Who Should Get Which?
Get the Bank of America Unlimited Cash Rewards Credit Card if:
The Bank of America Unlimited Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on all purchases ongoing and earning more on everyday purchases. 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 grocery stores. 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 6 of 7 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1.5X
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1.5X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1.5X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1.5X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1.5X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X vs 1.5X
Everyday purchases
Bank of America Unlimited Cash Rewards Credit Card earns 1.5X on all other spending 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.
Both scenarios favor the Bank of America Unlimited Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Unlimited Cash Rewards Credit Card | Marriott Bonvoy Bold Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Bank of America Unlimited Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Bank of America Unlimited Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Bank of America Unlimited Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Marriott Bonvoy Bold Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Bank of America Unlimited Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.5X on the Bank of America Unlimited Cash Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Marriott Bonvoy Bold Credit Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card 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.