Marriott Bonvoy Boundless® Credit Card vs Wells Fargo Autograph® Card: Which Card Wins for Your Spending?

Which earns more for you?

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 Marriott Bonvoy Boundless® Credit Card ($95/yr) and the Wells Fargo Autograph® Card (no annual fee) comes down to where you spend most. Marriott Bonvoy Boundless needs about $655 a month in groceries, counting that spending alone, to make up its $95 higher annual fee over Wells Fargo Autograph Card. Below that, Wells Fargo Autograph Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.

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Meet the Contenders

Marriott Bonvoy Boundless Credit Card

Strongest 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.

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

Perfect if: Your monthly spending stays within the bonus cap for maximum value.

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Wells Fargo Autograph Card

Strongest in travel at 3%. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.

Annual fee: None Sign-up bonus: 20,000 points after $1,000 spend in 3 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Head-to-Head Comparison

Feature Marriott Bonvoy Boundless Credit Card Wells Fargo Autograph Card
Annual Fee $95 $0
Sign-Up Bonus 3 free nights after $3,000 spend in 3 months 20,000 points after $1,000 spend in 3 months
Foreign Transaction Fee 0% 0%
Base Reward Rate 2% 1%
Travel Rewards 2% 3%
Dining Rewards 3% (up to $6,000/yr) 3%
Groceries Rewards 3% (up to $6,000/yr) 1%
Gas Rewards 3% (up to $6,000/yr) 3%
Rates with conditions
not counted in the rows above		 6% at Marriott hotels
Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%. 		None
Key Benefits 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. 3x points on restaurants, travel, gas, transit, streaming, and phone plans.

The Verdict

Marriott Bonvoy Boundless Credit Card pulls ahead for groceries spending.

Wells Fargo Autograph Card wins on travel.

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.

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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.