Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Marriott Bonvoy Bold Credit Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Dining | 1X | 3X |
| Gas Stations | 1X |
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
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 | Marriott Bonvoy Bold Credit Card | Marriott Bonvoy Boundless Credit Card | Ongoing winner |
|---|
Modeled value is close across spend levels — especially once statement credits are counted.
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.
| 3X |
| Grocery Stores | 2X | 3X |
| Cable Tv | 2X | 2X |
| Food Delivery | 2X | 2X |
| Ridesharing | 2X | 2X |
| Streaming | 2X | 2X |
| Telecom | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
| Year-one winner |
|---|
| Light spender: $1,000/month | Rewards: $97 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | Rewards: $168 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $148 Year one: $148 | Close — depends on how much of the credits you use | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $386 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | Rewards: $672 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $652 Year one: $652 | Marriott Bonvoy Boundless Credit Card | Marriott Bonvoy Bold Credit Card |
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.
Get the Marriott Bonvoy Boundless Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
