Marriott Bonvoy Bold Credit Card vs Marriott Bonvoy Boundless Credit Card
Annual fees: Marriott Bonvoy Bold Credit Card $0/yr, Marriott Bonvoy Boundless Credit Card $95/yr. Strongest bonus categories: Marriott Bonvoy Bold Credit Card on grocery stores, Marriott Bonvoy Boundless Credit Card on dining.
Card data as of November 13, 2026.
Marriott Bonvoy Bold Credit CardChase · No annual fee
Marriott Bonvoy Boundless Credit CardChase · $95/yr
Overview
- Annual fee
- Marriott Bonvoy Bold Credit Card$0LowestMarriott Bonvoy Boundless Credit Card$95
- Welcome offerCurrent public offer
- Marriott Bonvoy Bold Credit Card45,000 pointsMarriott Bonvoy Boundless Credit Card—
- Rewards
- Marriott Bonvoy Bold Credit CardMarriott BonvoyMarriott Bonvoy Boundless Credit CardMarriott Bonvoy
- Foreign transaction fee
- Marriott Bonvoy Bold Credit CardNoneMarriott Bonvoy Boundless Credit CardNone
- Network
- Marriott Bonvoy Bold Credit CardVisa SignatureMarriott Bonvoy Boundless Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Marriott Bonvoy Bold Credit Card1xMarriott Bonvoy Boundless Credit Card3xHighest
- Gas Stations
- Marriott Bonvoy Bold Credit Card1xMarriott Bonvoy Boundless Credit Card3xHighest
- Grocery Stores
- Marriott Bonvoy Bold Credit Card2xMarriott Bonvoy Boundless Credit Card3xHighest
- Cable TV
- Marriott Bonvoy Bold Credit Card2xMarriott Bonvoy Boundless Credit Card2x
- Food Delivery
- Marriott Bonvoy Bold Credit Card2xMarriott Bonvoy Boundless Credit Card2x
- Ridesharing
- Marriott Bonvoy Bold Credit Card2xMarriott Bonvoy Boundless Credit Card2x
- Streaming
- Marriott Bonvoy Bold Credit Card2xMarriott Bonvoy Boundless Credit Card2x
- Telecom
- Marriott Bonvoy Bold Credit Card2xMarriott Bonvoy Boundless Credit Card2x
- Everything else
- Marriott Bonvoy Bold Credit Card1xMarriott Bonvoy Boundless Credit Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Marriott Bonvoy Bold Credit Card—Marriott Bonvoy Boundless Credit Card
- Up to $100 airline credits (through 6/30/2027) · $100 one-time
- Dining & delivery
- Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
Marriott Bonvoy Boundless Credit Card- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
Marriott Bonvoy Boundless Credit Card- 15 Marriott Bonvoy Elite Night Credits Awarded Annually
- Gold Elite status at $35,000 annual card spend
- Automatic Silver Elite with 10% points bonus on stays
- 1 Free Night Award worth up to 35,000 points/year
- Other perks
- Marriott Bonvoy Bold Credit Card
- 24/7 Visa Signature Concierge service
Marriott Bonvoy Boundless Credit Card- 24/7 concierge for travel, dining, and 4+ services
- No Foreign Transaction Fees on International Purchases
- 24/7 travel and emergency assistance in 200+ countries
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
Marriott Bonvoy Boundless Credit Card- Up to $500 Trip Delay Reimbursement for Extended Delays
- Baggage
- 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
Marriott Bonvoy Boundless Credit Card- Up to $3,000 Lost Luggage Reimbursement per Traveler
- Up to $500 Baggage Delay Insurance Coverage
- Rental car
- Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
Marriott Bonvoy Boundless Credit Card- Rental car CDW saves $15-30/day on collision waiver
- Purchase & returns
- Marriott Bonvoy Bold Credit Card
- Purchase protection for new items · up to $500
Marriott Bonvoy Boundless Credit Card- Up to $500 Purchase Protection Against Theft and Damage
- Extended warranty
- Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
Marriott Bonvoy Boundless Credit Card— - Other protections
- Marriott Bonvoy Bold Credit Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Marriott Bonvoy Boundless Credit Card- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- 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)
Marriott Bonvoy Boundless Credit Card- Automatic Silver Elite status
- 15 elite night credits per year
- 6X card points at participating Marriott hotels; up to 17X combined with eligible Bonvoy membership and Silver Elite earnings
- Anniversary Free Night Award (up to 35,000 points)
- 3X on dining, gas, and grocery (first $6,000 combined annually)
- Cons
- 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
Marriott Bonvoy Boundless Credit Card- 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)
Expert Analysis
Both the Marriott Bonvoy Bold Credit Card and Marriott Bonvoy Boundless 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 Marriott Bonvoy Bold Credit Card's strongest category is Marriott Hotels at 14X, while the Marriott Bonvoy Boundless Credit Card leads with 17X on Marriott Hotels. Overall, the Marriott Bonvoy Boundless Credit Card wins in more bonus categories (4 vs 0) — 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 Marriott Bonvoy Boundless Credit Card needs to deliver at least $95 in annual value through its premium benefits to justify the gap.
Key Differences
- Marriott Bonvoy Boundless Credit Card earns 17X on Marriott Hotels vs 14X for the other
- Marriott Bonvoy Boundless Credit Card earns 3X on Grocery Stores vs 2X for the other
- Marriott Bonvoy Boundless Credit Card earns 3X on Dining vs 1X for the other
- The Marriott Bonvoy Bold Credit Card costs $0/yr vs $95/yr — a $95 annual gap
- Marriott Bonvoy Boundless Credit Card has a higher base earn rate (2X vs 1X on non-bonus spending)
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on marriott hotels
Marriott Bonvoy Boundless Credit CardMarriott Bonvoy Boundless Credit Card earns 17X vs 14X. Over a year, that's 40,800 vs 33,600 points — a 7,200-point advantage.
$600/month on grocery stores
Marriott Bonvoy Boundless Credit CardMarriott Bonvoy Boundless Credit Card earns 3X vs 2X. Over a year, that's 21,600 vs 14,400 points — a 7,200-point advantage.
Mixed everyday spending, 2 trips/year
Marriott Bonvoy Bold Credit CardWithout heavy spending in the Marriott Bonvoy Boundless Credit 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 Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize keeping annual costs low. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Marriott Bonvoy Boundless Credit Card if:
The Marriott Bonvoy Boundless Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and grocery stores and earning more on everyday purchases. At $95/yr, it delivers solid return on the annual fee investment 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 — your rewards balance transfers automatically.
Holding both cards can make sense if you want to maximize earn rates across different spending categories.
Category-by-Category Winner
The Marriott Bonvoy Boundless Credit Card wins in 3 of 3 categories. The Marriott Bonvoy Bold Credit Card leads in 0. 1 more category depend on booking channel or caps.
Grocery Stores
Depends: up to $6,000/yr
Marriott Bonvoy Boundless Credit Card earns 3X when conditions are met; Marriott Bonvoy Bold Credit Card earns 2X (2X without restrictions)
Dining
Marriott Bonvoy Boundless Credit Card earns 3X vs 1X
3X up to $6,000/yr
Gas Stations
Marriott Bonvoy Boundless Credit Card earns 3X vs 1X
3X up to $6,000/yr
Everyday purchases
Marriott Bonvoy Boundless Credit Card earns 2X 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.
The better card depends on how much you spend.
| Scenario | Marriott Bonvoy Bold Credit Card | Marriott Bonvoy Boundless Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Rewards: $168 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $73 Year one: $133 | Marriott Bonvoy Bold Credit Card | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Rewards: $672 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $577 Year one: $637 | Marriott Bonvoy Boundless Credit Card | Marriott Bonvoy Bold Credit Card |
Is the Fee Difference Worth It?
The Marriott Bonvoy Boundless Credit 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.
The Marriott Bonvoy Boundless Credit Card includes travel credits, complimentary hotel status. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Marriott Bonvoy Boundless Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on dining and gas stations and everyday spend.
Which Card Is Right for You?
Get the Marriott Bonvoy Boundless Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Prefer a high flat rate across all spending
The Bottom Line
The better card depends on how much you spend.
Everyday (non-bonus) spend earns 2X on the Marriott Bonvoy Boundless Credit Card vs 1X on the other card.
Published annual fees: Marriott Bonvoy Bold Credit Card $0/yr, Marriott Bonvoy Boundless Credit Card $95/yr — a $95 difference before welcome offers and credits.
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 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 (the Marriott Bonvoy Boundless Credit Card also lists travel credits).
- Which card earns more rewards, the Marriott Bonvoy Bold Credit Card or Marriott Bonvoy Boundless Credit Card?
- The Marriott Bonvoy Boundless Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Marriott Bonvoy Bold Credit Card have that the Marriott Bonvoy Boundless Credit Card doesn't?
- The Marriott Bonvoy Bold Credit Card focuses on earn rates, while the Marriott Bonvoy Boundless Credit Card offers travel credits.
- Should I get the Marriott Bonvoy Bold Credit Card or the Marriott Bonvoy Boundless Credit Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bold Credit Card has a lower $0/yr fee; the Marriott Bonvoy Boundless Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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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.