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 Hilton Honors American Express 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 $7,920 a month in flights, hotels, other travel or other purchases, counting that spending alone, to make up its $95 higher annual fee over Hilton Honors Amex. Below that, Hilton Honors Amex comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 5%. 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. Earns a solid 3.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
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 | Hilton Honors American Express Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | 70,000 points after $2,000 spend in 6 months | 3 free nights after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3% | 2% |
| Dining Rewards | 5% | 3% (up to $6,000/yr) |
| Groceries Rewards | 5% | 3% (up to $6,000/yr) |
| Gas Rewards | 5% | 3% (up to $6,000/yr) |
| Rates with conditions not counted in the rows above |
7% at Hilton hotels Earns 7% only on stays at hotels and resorts in the Hilton portfolio. Travel booked anywhere else earns the flat 3%. |
6% at Marriott hotels Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. | 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. |
Hilton Honors American Express Card pulls ahead for travel, dining, groceries, gas spending.
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.