Meet the Contenders
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2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus.
Earns 1X points on everything else.
Annual fee: $299
Foreign fees: 0%
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Beyond the points: Built for benefits over raw earn rate: Priority Pass Select lounge access with unlimited guest visits, 24/7 concierge, and Luxury Card Travel perks averaging $750 per stay at 3,000+ properties, none of which show up in a points-only ranking.
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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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The Verdict
Marriott Bonvoy Boundless Credit Card wins on
travel, dining, groceries, gas.
The $204/year fee difference means
Luxury Card Mastercard Titanium 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.
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.