Marriott Bonvoy Boundless® Credit Card
vs. Marriott Bonvoy Bold® Credit Card

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ByDoug Milnes, CFA
Reviewed byBrett Holzhauer
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ByDoug Milnes, CFA
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Reviewed byBrett Holzhauer
Edited byBrett Holzhauer
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Updated: March 19, 2024

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The Marriott Bonvoy Boundless has a modest annual fee of $95 and allows you to earn a total of 17 points per dollar spent on Marriott hotel properties. If you are a Marriott Bonvoy member you earn 10x points from Marriott while those with Silver Elite status get 1x points from Marriott with the Marriott Bonvoy Boundless® Credit Card.

In comparison, the Marriott Bonvoy Bold has a lower reward rate at 14 points per dollar spent at hotels participating in the Marriott Bonvoy program, but it has no annual fee. MoneyGeek’s review of the fees, features and benefits will help you compare the Marriott Bonvoy Boundless® Credit Card and the Marriott Bonvoy Bold® Credit Card to find the best product for your needs.

Comparison Overview: Marriott Bonvoy Boundless® Credit Card vs. Marriott Bonvoy Bold® Credit Card

  • Marriott Bonvoy Boundless® Credit Card
    Marriott Bonvoy Bold® Credit Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Marriott Bonvoy Boundless® Credit Card At a Glance

The Marriott Bonvoy Boundless offers great value if you’re loyal to the Marriott brand. First, you can earn up to 100,000 Marriott Bonvoy points as the welcome bonus. As you spend on the card, you will earn a generous 17 points per dollar spent in participating hotels in the Marriott Bonvoy program. This card has a modest $95 annual fee, making it a great value for many consumers who frequent Marriott properties.


  • Marriott Bonvoy Boundless® Credit Card

    An excellent card for earning reward points and free nights at Marriott hotels


    • 2 Points per $1Rewards Rate
    • 21.49% – 28.49% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • A generous welcome bonus after meeting spend-based requirements account anniversary
    • Redeem your points in different ways
    • Automatic Silver Elite status with your Marriott Bonvoy membership
    • Up to 15 Elite Night credits each year
    • No foreign transaction fees

    Cons

    • $95 annual fee
    • Free night awards expire after 12 months
    • Reward points stand to expire if you don't make any purchases on your card in 24 months
    • Cash advance and balance transfer fees
    • Penalty APR may apply if you make a late or returned payment
    • Limited time offer! Earn five Free Nights (valued at 50,000 points for each night) after spending $5,000 on purchases within the first three months of account opening.
    • Earn 6X points per dollar spent at Marriott Bonvoy hotels, 3X points on up to a combined total spending of $6,000 on dining and at gas stations and grocery stores per year.
    • Earn 2X points on all other purchases.
    • Redeem points for free nights, for Lyft rides, for shopping or for car rentals
    • Transferring your reward points to partner airline frequent flyer programs is an option
    • You qualify for a free award night each year at properties with redemption levels of up to 35,000 points. These night awards start at 7,500 points. They remain valid for 12 months. In some cases, resort fees might apply.
    • You may receive up to 15 Elite Night credits each year.
    • Other than free nights, you may redeem your points for booking flight tickets and car rentals.
    • You have the option of sharing your points with other members of the Marriott Bonvoy program and of pooling your points across multiple accounts.
    • All cardholders may benefit through trip delay reimbursement, lost luggage reimbursement and baggage delay insurance.
    • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
    • Member FDIC
    Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Bold® Credit Card At a Glance

The Marriott Bonvoy Bold is great for travelers who travel infrequently but have a preference for Marriott hotels. You can still get value from the three points per dollar reward rate for Marriott hotel stays and two points per dollar for travel-related expenses. This card has no expiration dates for annual stay certificates, unlike most other Marriott cards. If you spend $1,000 on purchases in your first three months, you will qualify for the 30,000 bonus points as the welcome bonus.


  • Marriott Bonvoy Bold® Credit Card

    Great no-annual-fee card for earning points at Marriot properties


    • 1–3 Points per $1Rewards Rate
    • 21.49% – 28.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • No foreign transaction fees
    • Good welcome offer
    • No annual fees
    • Annual credit for elite qualifying nights
    • Travel and purchase coverage

    Cons

    • Cardholders must use the card at least every 24 months to avoid losing points
    • No cash back rewards
    • Low value on redemption points outside hotel room awards
    • Rewards limited to hotels
    • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
    • 3 points per dollar spent at Marriott Bonvoy properties
    • 2 points per dollar on other travel purchases
    • 1 point per dollar on all other purchases
    • No annual fee
    • No foreign transaction fees
    • Additional terms and conditions may apply
    • Your points don't expire as long as you make purchases on your card every 24 months.
    • Member FDIC
    Marriott Bonvoy Bold® Credit Card

Comparison Summary

To see how the key features of the Marriott Bonvoy Boundless® Credit Card and the Marriott Bonvoy Bold card compare you can use the table below.

Card Detail
Comparison Summary

Travel Coverage and Purchase Protection

Both the Marriott Bonvoy Boundless and the Marriott Bonvoy Bold offer similar purchase protection for 120 days of up to $500 per claim and $50,000 per account.

Both cards also offer baggage delay and lost luggage protection, trip delay reimbursement and 24-hour concierge service.

Winner: Draw

Welcome Bonus

To get the welcome 30,000 bonus points on the Marriott Bonvoy Bold you need to spend $1,000 on purchases in your first three months while the Marriott Bonvoy Boundless requires you to spend $3,000 on purchases in your first three months to get 100,000 points.

Winner: Marriott Bonvoy Boundless® Credit Card

Rewards

The Marriott Bonvoy Boundless® Credit Card earns 17 total points for every $1 spent at hotels participating in Marriott Bonvoy while the Marriott Bonvoy Bold earns a total of 14 total points per dollar spent at hotels participating in Marriott Bonvoy.

Winner: Marriott Bonvoy Boundless® Credit Card

Annual Fee

The Marriott Bonvoy Bold has no annual fee while the Marriott Bonvoy Boundless has a $95 annual fee.

Winner: Marriott Bonvoy Bold® Credit Card

Loyalty Programs

As a Marriott Bonvoy Bold cardholder, you automatically earn Automatic Silver Elite status with 15 elite night credits annually. The Marriott Bonvoy Boundless offers Automatic Silver Elite status with 15 elite night credits annually, path to Gold status and annual free night award.

Winner: Marriott Bonvoy Boundless® Credit Card

Which Card Should You Get?

The difference between Marriott Bonvoy Boundless® Credit Card and Marriott Bonvoy Bold® Credit Card is minimal but the best option for you will depend on your spending habits and needs.

Who Should Consider the Marriott Bonvoy Boundless® Credit Card?

Although it has an annual fee, the Marriott Bonvoy Boundless offers great value if you travel frequently and are partial to Marriott properties. This card is better than the Marriott Bonvoy Bold® Credit Card since it has a more generous rewards structure.

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    You stay at Marriott properties regularly and want to earn points fast since you will get 17X total points for every $1 spent at hotels participating in Marriott Bonvoy

Who Should Consider the Marriott Bonvoy Bold® Credit Card?

The Marriott Bonvoy Bold is a better option for those who want a Marriott rewards card but do not travel frequently enough to get value from a card with an annual fee like the Marriott Bonvoy Boundless.

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    You want a Marriott Bonvoy card with no annual fee but still allows you to earn rewards at a decent 14 points per dollar at Marriott properties.

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EXPERT OPINION

The Bonvoy Boundless is a much better value-proposition than the Bold as you will earn a much larger welcome bonus for a modest annual fee. And by paying the annual fee for the second year and beyond, you will earn a free night certificate, which is easily redeemable for more than $95. And if you plan on spending heavily on the card, you will earn more Marriott points as well as having a pathway to earning Gold Elite status.

Other Helpful Decision-Making FAQs

You can find more details on the Marriott Bonvoy Boundless vs Marriott Bonvoy Bold in the answers to commonly asked questions below.

Is the Marriott Bonvoy Boundless® Credit Card better than the Marriott Bonvoy Bold® Credit Card?
Can you get the Marriott Bonvoy Boundless® Credit Card if you have the Marriott Bonvoy Bold® Credit Card?
Can you transfer points from Marriott Bonvoy Boundless® Credit Card to Marriott Bonvoy Bold® Credit Card?
Can you switch from the Marriott Bonvoy Boundless® Credit Card to the Marriott Bonvoy Bold® Credit Card?
What’s harder to get, the Marriott Bonvoy Boundless® Credit Card or the Marriott Bonvoy Bold® Credit Card?
How much do you have to spend for the Marriott Bonvoy Boundless® Credit Card vs the Marriott Bonvoy Bold® Credit Card to get the welcome bonus?

Still Not Sure About These Cards? Consider These Options

Travelers loyal to the Marriott brand will earn generous rewards and enjoy several perks with the Marriott Bonvoy Bold and Marriott Bonvoy Boundless credit cards. The annual fees on these cards make it simple to earn value from your card, but it’s only possible if you frequent Marriott properties. If you are looking for a more flexible travel card for general travel that is not specific to the Marriott brand, take a look at MoneyGeek’s recommendations for the best travel cards.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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