Which card has a lower annual fee, Chase Sapphire Preferred Card or Marriott Bonvoy Boundless Credit Card?

The Chase Sapphire Preferred Card has an annual fee of $95, compared to $95 for the Marriott Bonvoy Boundless Credit Card.

Which card earns more cash back, Chase Sapphire Preferred Card or Marriott Bonvoy Boundless Credit Card?

The Chase Sapphire Preferred Card earns 1.0% base cash back, while the Marriott Bonvoy Boundless Credit Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Chase Sapphire Preferred Card better than the Marriott Bonvoy Boundless Credit Card?

It depends on your spending. If you spend more on categories where the Chase Sapphire Preferred Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Chase Sapphire Preferred® Credit Card vs Marriott Bonvoy Boundless® Credit Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Chase Sapphire Preferred® Credit Card ($95/yr) 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.

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Meet the Contenders

Chase Sapphire Preferred Card

Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.

Annual fee: $95 Sign-up bonus: 100,000 points after $5,000 spend in 3 months Foreign fees: 0%

Perfect if: You want a strong rewards rate with no spending caps to worry about.

Apply Now

Marriott Bonvoy Boundless Credit Card

Strongest 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.

Annual fee: $95 Sign-up bonus: 125,000 points after $3,000 spend in 3 months Foreign fees: 0%

Perfect if: You want a strong rewards rate with no spending caps to worry about.

Apply Now

Head-to-Head Comparison

Feature	Chase Sapphire Preferred Card	Marriott Bonvoy Boundless Credit Card
Annual Fee	$95	$95
Sign-Up Bonus	100,000 points after $5,000 spend in 3 months	125,000 points after $3,000 spend in 3 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1%	2%
Travel Rewards	2%	2%
Dining Rewards	3%	3%
Groceries Rewards	3%	3%
Gas Rewards	1%	3%
Rates with conditions not counted in the rows above	5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%.	6% at Marriott hotels Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%.
Key Benefits	5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.	6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually.

The Verdict

Marriott Bonvoy Boundless Credit Card wins on gas.

Chase Sapphire Preferred Card carries $100/year in credits (mostly tied to specific merchants or bookings), while 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.