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, Southwest Rapid Rewards Priority Credit Card $229/yr. Strongest bonus categories: Marriott Bonvoy Bold Credit Card on grocery stores, Southwest Rapid Rewards Priority Credit Card on telecom.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Marriott Bonvoy Bold Credit Card | Southwest Rapid Rewards Priority Credit Card |
|---|---|---|
| Cable Tv | 2X | 2X |
| Dining |
The Marriott Bonvoy Bold Credit Card wins in 4 of 7 categories. The Southwest Rapid Rewards Priority Credit Card leads in 3.
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Streaming
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
Utilities
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X
Dining
Southwest Rapid Rewards Priority Credit Card earns 2X vs 1X
Gas Stations
Southwest Rapid Rewards Priority Credit Card earns 2X 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.
The better card depends on how much you spend.
The better card depends on how much you spend.
Published annual fees: Marriott Bonvoy Bold Credit Card $0/yr, Southwest Rapid Rewards Priority Credit Card $229/yr — a $229 difference before welcome offers and credits.
| 1X |
| 2X |
| Food Delivery | 2X | 1X |
| Gas Stations | 1X | 2X |
| Grocery Stores | 2X | 1X |
| Ridesharing | 2X | 1X |
| Streaming | 2X | 1X |
| Telecom | 2X | 2X |
| Utilities | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Scenario | Marriott Bonvoy Bold Credit Card | Southwest Rapid Rewards Priority Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $97 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | Rewards: $188 Credits (our usable estimate): $23 − Annual fee ($229) Ongoing: -$19 Year one: $732 | Marriott Bonvoy Bold Credit Card | Southwest Rapid Rewards Priority Credit Card |
| Heavy spender: $4,000/month | Rewards: $386 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | Rewards: $750 Credits (our usable estimate): $23 − Annual fee ($229) Ongoing: $544 Year one: $1,294 | Southwest Rapid Rewards Priority Credit Card | Southwest Rapid Rewards Priority Credit Card |
The Southwest Rapid Rewards Priority Credit Card costs $229/yr — that's $229 more than the Marriott Bonvoy Bold Credit Card (no annual fee). To justify that gap, you need to extract at least $229 in annual value from the card's higher earn rates and benefits.
The Southwest Rapid Rewards Priority Credit Card includes dining credits, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $229 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $229 fee gap means the Southwest Rapid Rewards Priority Credit Card needs roughly $229 more in annual rewards (or credits you will use) to break even on telecom and cable tv and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Marriott Bonvoy Bold Credit Card means losing:
Get the Marriott Bonvoy Bold Credit Card if you:
Get the Southwest Rapid Rewards Priority 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.
