Is the Marriott Bonvoy Boundless Credit Card worth the higher annual fee?

The Marriott Bonvoy Boundless Credit Card costs $95/yr vs $0/yr for the Hilton Honors American Express Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Boundless Credit Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.

Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card?

Choose the Hilton Honors American Express Card if you want lower fees and solid rewards. Pick the Marriott Bonvoy Boundless Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Marriott Bonvoy Boundless Credit Card worth the higher annual fee?

The Marriott Bonvoy Boundless Credit Card costs $95/yr vs $0/yr for the Hilton Honors American Express Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Boundless Credit Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.

Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card?

Choose the Hilton Honors American Express Card if you want lower fees and solid rewards. Pick the Marriott Bonvoy Boundless Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Marriott Bonvoy Boundless Credit Card worth the higher annual fee?

The Marriott Bonvoy Boundless Credit Card costs $95/yr vs $0/yr for the Hilton Honors American Express Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Boundless Credit Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.

Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card?

Choose the Hilton Honors American Express Card if you want lower fees and solid rewards. Pick the Marriott Bonvoy Boundless Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Hilton Honors American Express Card vs Marriott Bonvoy Boundless Credit Card

The Hilton Honors American Express Card ($0/yr) is better for everyday value, while the Marriott Bonvoy Boundless Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Hilton Honors American Express Card

American Express

Marriott Bonvoy Boundless Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

80,000 Hotel

5 Hotel

Earn Rates

Category	Hilton Honors American Express Card	Marriott Bonvoy Boundless Credit Card
Marriott Hotels	3X	17X

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 7 categories. The Marriott Bonvoy Boundless Credit Card leads in 1.

Hilton Properties

Hilton Honors American Express Card earns 7X vs 2X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 2X

Dining

Hilton Honors American Express Card earns 5X vs 3X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 3X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 2X

Marriott Hotels

Marriott Bonvoy Boundless Credit Card earns 17X vs 3X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 2X

Is the Fee Difference Worth It?

The Marriott Bonvoy Boundless Credit Card costs $95/yr — that's $95 more than the Hilton Honors American Express 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.

The Bottom Line

The Hilton Honors American Express Card has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Choose the Hilton Honors American Express Card if you want solid rewards with a lower cost of entry. Choose the Marriott Bonvoy Boundless Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Marriott Bonvoy Boundless Credit Card worth the higher annual fee?: The Marriott Bonvoy Boundless Credit Card costs $95/yr vs $0/yr for the Hilton Honors American Express Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Boundless Credit Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.
Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card?: Choose the Hilton Honors American Express Card if you want lower fees and solid rewards. Pick the Marriott Bonvoy Boundless Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex Bank Of America Customized Cash vs Hilton Honors Amex

Explore More

Hilton Honors American Express Card — Full Review All American Express Cards

Marriott Bonvoy Boundless Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Hilton Honors American Express Card vs Marriott Bonvoy Boundless Credit Card

Hilton Honors American Express Card

American Express

Marriott Bonvoy Boundless Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

80,000 Hotel

5 Hotel

Earn Rates

Category	Hilton Honors American Express Card	Marriott Bonvoy Boundless Credit Card
Marriott Hotels	3X	17X

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 7 categories. The Marriott Bonvoy Boundless Credit Card leads in 1.

Hilton Properties

Hilton Honors American Express Card earns 7X vs 2X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 2X

Dining

Hilton Honors American Express Card earns 5X vs 3X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 3X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 2X

Marriott Hotels

Marriott Bonvoy Boundless Credit Card earns 17X vs 3X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 2X

Is the Fee Difference Worth It?

The Bottom Line

The Hilton Honors American Express Card has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Is the Marriott Bonvoy Boundless Credit Card worth the higher annual fee?: The Marriott Bonvoy Boundless Credit Card costs $95/yr vs $0/yr for the Hilton Honors American Express Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Boundless Credit Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.
Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card?: Choose the Hilton Honors American Express Card if you want lower fees and solid rewards. Pick the Marriott Bonvoy Boundless Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex Bank Of America Customized Cash vs Hilton Honors Amex

Explore More

Hilton Honors American Express Card — Full Review All American Express Cards

Marriott Bonvoy Boundless Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Hilton Honors American Express Card vs Marriott Bonvoy Boundless Credit Card

Hilton Honors American Express Card

American Express

Marriott Bonvoy Boundless Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

80,000 Hotel

5 Hotel

Earn Rates

Category	Hilton Honors American Express Card	Marriott Bonvoy Boundless Credit Card
Marriott Hotels	3X	17X

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 7 categories. The Marriott Bonvoy Boundless Credit Card leads in 1.

Hilton Properties

Hilton Honors American Express Card earns 7X vs 2X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 2X

Dining

Hilton Honors American Express Card earns 5X vs 3X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 3X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 2X

Marriott Hotels

Marriott Bonvoy Boundless Credit Card earns 17X vs 3X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 2X

Is the Fee Difference Worth It?

The Bottom Line

The Hilton Honors American Express Card has a lower annual fee ($0 vs $95), making it the more accessible option.

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Is the Marriott Bonvoy Boundless Credit Card worth the higher annual fee?: The Marriott Bonvoy Boundless Credit Card costs $95/yr vs $0/yr for the Hilton Honors American Express Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Boundless Credit Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.
Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card?: Choose the Hilton Honors American Express Card if you want lower fees and solid rewards. Pick the Marriott Bonvoy Boundless Credit Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex Bank Of America Customized Cash vs Hilton Honors Amex

Explore More

Hilton Honors American Express Card — Full Review All American Express Cards

Marriott Bonvoy Boundless Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Pros & Cons

Pros

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

+Automatic Silver Elite status
+15 elite night credits per year
+Up to 17X total points at Marriott properties
+Anniversary Free Night Award (up to 35,000 points)
+3X on dining, gas, and grocery (first $6,000 combined annually)

Cons

−Only Silver status (lower than Surpass/Aspire Gold grants)
−Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
−No annual credits or free night rewards
−Points locked to Hilton with no transfer flexibility
−Amex network less accepted internationally than Visa/Mastercard

−Only 2X on non-bonus category purchases
−Silver Elite has limited benefits
−Points locked to Marriott ecosystem
−3X bonus categories have combined $6,000 annual spend cap
−Free Night Award capped at 35,000 points (mid-tier properties)

Pros & Cons

Pros

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

+Automatic Silver Elite status
+15 elite night credits per year
+Up to 17X total points at Marriott properties
+Anniversary Free Night Award (up to 35,000 points)
+3X on dining, gas, and grocery (first $6,000 combined annually)

Cons

−Only Silver status (lower than Surpass/Aspire Gold grants)
−Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
−No annual credits or free night rewards
−Points locked to Hilton with no transfer flexibility
−Amex network less accepted internationally than Visa/Mastercard

−Only 2X on non-bonus category purchases
−Silver Elite has limited benefits
−Points locked to Marriott ecosystem
−3X bonus categories have combined $6,000 annual spend cap
−Free Night Award capped at 35,000 points (mid-tier properties)

Pros & Cons

Pros

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

+Automatic Silver Elite status
+15 elite night credits per year
+Up to 17X total points at Marriott properties
+Anniversary Free Night Award (up to 35,000 points)
+3X on dining, gas, and grocery (first $6,000 combined annually)

Cons

−Only Silver status (lower than Surpass/Aspire Gold grants)
−Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
−No annual credits or free night rewards
−Points locked to Hilton with no transfer flexibility
−Amex network less accepted internationally than Visa/Mastercard

−Only 2X on non-bonus category purchases
−Silver Elite has limited benefits
−Points locked to Marriott ecosystem
−3X bonus categories have combined $6,000 annual spend cap
−Free Night Award capped at 35,000 points (mid-tier properties)

Hilton Honors American Express Card vs Marriott Bonvoy Boundless Credit Card

Hilton Honors American Express Card

Marriott Bonvoy Boundless Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Hilton Honors American Express Card vs Marriott Bonvoy Boundless Credit Card

Hilton Honors American Express Card

Marriott Bonvoy Boundless Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Hilton Honors American Express Card vs Marriott Bonvoy Boundless Credit Card

Hilton Honors American Express Card

Marriott Bonvoy Boundless Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?