Marriott Bonvoy Boundless® Credit Card vs Wells Fargo Autograph Journey℠ 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 Journey℠ Card ($95/yr) comes down to where you spend most. Both cost $95 a year, so it comes down to where you spend: Marriott Bonvoy Boundless earns more on groceries, gas and other purchases, Wells Fargo Autograph Journey Card on dining, flights, hotels and other travel. 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 Journey Card

Strongest in hotels at 5%. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.

Annual fee: $95 Sign-up bonus: 60,000 points after $4,000 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 Marriott Bonvoy Boundless Credit Card Wells Fargo Autograph Journey Card
Annual Fee $95 $95
Sign-Up Bonus 3 free nights after $3,000 spend in 3 months 60,000 points after $4,000 spend in 3 months
Foreign Transaction Fee 0% 0%
Base Reward Rate 2% 1%
Flights Rewards 2% 4%
Hotels Rewards 2% 5%
Other 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) 1%
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. 5x on hotels, 4x on airlines, 3x on restaurants and other travel.

The Verdict

Marriott Bonvoy Boundless Credit Card pulls ahead for groceries, gas spending.

Wells Fargo Autograph Journey Card wins on travel.

Marriott Bonvoy Boundless Credit Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Wells Fargo Autograph Journey Card carries $50/year in credits (mostly unlocked by everyday bonus-category spending). 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.