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 Blue Card (no annual fee) and the Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. Marriott Bonvoy Boundless needs about $655 a month in dining, groceries or gas, counting that spending alone, to make up its $95 higher annual fee over Bilt Blue Card. Below that, Bilt Blue Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in dining at 3% (up to $6,000/yr). 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. Earns a solid 2.0% on everything else.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply Now| Feature | Bilt Blue Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | 3 free nights after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Dining Rewards | 1% | 3% (up to $6,000/yr) |
| Groceries Rewards | 1% | 3% (up to $6,000/yr) |
| Gas Rewards | 1% | 3% (up to $6,000/yr) |
| Rates with conditions not counted in the rows above |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
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 (first $6,000 combined each year). 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.