Which card has a lower annual fee, Luxury Card Mastercard Black Card or Marriott Bonvoy Boundless Credit Card?

The Marriott Bonvoy Boundless Credit Card has an annual fee of $95, compared to $699 for the Luxury Card Mastercard Black Card.

Which card earns more cash back, Luxury Card Mastercard Black Card or Marriott Bonvoy Boundless Credit Card?

The Luxury Card Mastercard Black Card earns 1.5% 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 Luxury Card Mastercard Black Card better than the Marriott Bonvoy Boundless Credit Card?

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

Mastercard® Black 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 Mastercard® Black Card® ($699/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

Luxury Card Mastercard Black Card

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2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; up to $300 in annual credits ($200 airline + $100 dining), plus a $120 Global Entry/TSA PreCheck credit every 5 years. Earns 1X points on everything else.

Annual fee: $699 Foreign fees: 0%

Perfect if: You spend enough in bonus categories to easily offset the annual fee.

Beyond the points: Up to $300 in annual statement credits ($200 airline + $100 dining), plus a $120 Global Entry/TSA PreCheck credit every 5 years, offset a large share of the $699 fee before any points are counted. Then add Priority Pass Select with unlimited guest visits and 24/7 concierge.

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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.

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Head-to-Head Comparison

Feature	Luxury Card Mastercard Black Card	Marriott Bonvoy Boundless Credit Card
Annual Fee	$699	$95
Sign-Up Bonus	None	125,000 points after $3,000 spend in 3 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1X points	2%
Redemption Value	2% redeemed for airfare, 1.5% redeemed for cash back	0.8¢ per point
Dining Rewards	1X points	3%
Groceries Rewards	1X points	3%
Gas Rewards	1X points	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	2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; up to $300 in annual credits ($200 airline + $100 dining), plus a $120 Global Entry/TSA PreCheck credit every 5 years.	6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually.

The Verdict

Marriott Bonvoy Boundless Credit Card wins on travel, dining, groceries, gas.

The $604/year fee difference means Luxury Card Mastercard Black Card needs to earn about that much more in rewards to justify its cost.

Luxury Card Mastercard Black Card carries $420/year in credits (mostly unlocked by everyday bonus-category spending), 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.

Rewards rates aren’t the whole story here. Lounge access, concierge service, travel protections, and statement credits can be worth more than a fraction of a percent in earn rate. See the key benefits above and weigh them against how you travel and spend.

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.

Comparisons based on current published terms and estimated point values. Actual results depend on spending, redemption, and qualification. Verify current offers on the issuer’s site.

Mastercard® Black Card®

2% Value for Airfare Redemptions
1.5% Value for Cash Back Redemptions
Terms and Conditions Apply

Terms and conditions apply.

The Luxury Card trademarks are property of Barclays Lifestyles LLC. BLACK CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2026 Barclays Lifestyles LLC