Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt Card (Blue) (no annual fee) and the Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. 6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually. Earns a solid 2.0% on everything else.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Bilt Card (Blue) | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | 125,000 points after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 2.0% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 1% | 3% |
| Gas Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
None |
6% at Marriott hotels Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually. |
Marriott Bonvoy Boundless Credit Card wins on travel, dining, groceries, gas.
The $95/year fee difference means Marriott Bonvoy Boundless Credit Card needs to earn about that much more in rewards to justify its cost.
Marriott Bonvoy Boundless Credit Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.