Chase Sapphire Preferred Card vs Marriott Bonvoy Bold Credit Card
Annual fees: Chase Sapphire Preferred Card $95/yr, Marriott Bonvoy Bold Credit Card $0/yr. Strongest bonus categories: Chase Sapphire Preferred Card on travel, Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Chase Sapphire Preferred CardChase · $95/yr
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Chase Sapphire Preferred Card$95Marriott Bonvoy Bold Credit Card$0Lowest
- Welcome offerCurrent public offer
- Chase Sapphire Preferred Card75,000 pointsMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Chase Sapphire Preferred CardChase Ultimate RewardsMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Chase Sapphire Preferred CardNoneMarriott Bonvoy Bold Credit CardNone
- Network
- Chase Sapphire Preferred CardVisa SignatureMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Chase Sapphire Preferred Card3xHighestMarriott Bonvoy Bold Credit Card1x
- Electric Vehicle Charging
- Chase Sapphire Preferred Card3xHighestMarriott Bonvoy Bold Credit Card1x
- Gas Stations
- Chase Sapphire Preferred Card3xHighestMarriott Bonvoy Bold Credit Card1x
- Grocery Stores
- Chase Sapphire Preferred Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Streaming
- Chase Sapphire Preferred Card3xHighestMarriott Bonvoy Bold Credit Card2x
- Vacation Rentals
- Chase Sapphire Preferred Card3xHighestMarriott Bonvoy Bold Credit Card1x
- Cable TV
- Chase Sapphire Preferred Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Food Delivery
- Chase Sapphire Preferred Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Ridesharing
- Chase Sapphire Preferred Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Telecom
- Chase Sapphire Preferred Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Travel
- Chase Sapphire Preferred Card2xHighestMarriott Bonvoy Bold Credit Card1x
- Everything else
- Chase Sapphire Preferred Card1xMarriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
Marriott Bonvoy Bold Credit Card— - Dining & delivery
- Chase Sapphire Preferred Card—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
- Entertainment & streaming
- Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Marriott Bonvoy Bold Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Chase Sapphire Preferred Card—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Chase Sapphire Preferred Card
- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
Marriott Bonvoy Bold Credit Card- $500 trip delay reimbursement
- Baggage
- Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
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
- Chase Sapphire Preferred Card
- Auto Rental Coverage
Marriott Bonvoy Bold Credit Card- Auto rental coverage up to $60,000
- Purchase & returns
- Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
Marriott Bonvoy Bold Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
Marriott Bonvoy Bold Credit Card- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
Marriott Bonvoy Bold Credit Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Chase Sapphire Preferred Card
- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
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
- Chase Sapphire Preferred Card
- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
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
Both the Chase Sapphire Preferred Card and Marriott Bonvoy Bold Credit Card come from the same issuer, but they target different spending profiles. Understanding where each card excels helps you pick the one that matches your lifestyle — or decide if holding both makes sense.
The Chase Sapphire Preferred Card's strongest category is Dining 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.
At $0/yr vs $95/yr, the Marriott Bonvoy Bold Credit Card is the more accessible option. The Chase Sapphire Preferred Card needs to deliver at least $95 in annual value through its premium benefits to justify the gap.
Key Differences
- Chase Sapphire Preferred Card earns 3X on Dining vs 1X for the other
- Chase Sapphire Preferred Card earns 3X on Streaming vs 1X for the other
- Chase Sapphire Preferred Card earns 3X on Online Groceries vs 1X for the other
- The Marriott Bonvoy Bold Credit Card costs $0/yr vs $95/yr — a $95 annual gap
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 1X. Over a year, that's 14,400 vs 4,800 points — a 9,600-point advantage.
$50/month on streaming
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 1X. Over a year, that's 1,800 vs 600 points — a 1,200-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.
$600/month on grocery stores
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.
Mixed everyday spending, 2 trips/year
Marriott Bonvoy Bold Credit CardWithout heavy spending in the Chase Sapphire Preferred Card's premium categories, the $95 fee difference is hard to recover. The Marriott Bonvoy Bold Credit Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the Chase Sapphire Preferred Card if:
The Chase Sapphire Preferred Card is ideal for cardholders who prioritize spending heavily on dining and streaming. At $95/yr, it delivers solid return on the annual fee investment 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 and keeping annual costs low. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
Since both cards are from the same issuer, you may be able to hold both or product-change between them. Check with your issuer for current policies.
Holding both cards can make sense if you want to maximize earn rates across different spending categories.
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 6 of 10 categories. The Marriott Bonvoy Bold Credit Card leads in 4. 4 more categories depend on booking channel or caps.
Travel
Chase Sapphire Preferred Card earns 5X vs 1X
5X via Chase Travel portal
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 2X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Marriott Bonvoy Bold Credit Card earns 2X (2X without restrictions)
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.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Sapphire Preferred Card | Marriott Bonvoy Bold Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Marriott Bonvoy Bold Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and hotels and everyday spend.
Which Card Is Right for You?
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Chase Sapphire Preferred Card $95/yr, Marriott Bonvoy Bold Credit Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Preferred Card worth the higher annual fee?
- The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Chase Sapphire Preferred Card 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 Chase Sapphire Preferred Card or the Marriott Bonvoy Bold Credit Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bold Credit Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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.