First-year winner
Marriott Bonvoy Boundless Credit Card
$674 Year 1 edge
$1,658 vs $984
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Marriott Bonvoy Boundless Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Marriott Bonvoy Hotel Perks
Other · No listed cash value
Marriott co-brand cards typically provide hotel-program benefits such as elite-status value and anniversary-night style benefits.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Card B
Bank of America Premium Rewards credit card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Preferred Rewards Upside
Other · No listed cash value
Eligible Bank of America relationship customers can unlock higher effective earnings through the issuer’s relationship-based rewards boost programs.
Perk
Trusted Traveler Credit
Tsa Global Entry · No listed cash value
Premium Rewards cards are positioned as travel cards and commonly include Global Entry or TSA PreCheck application-fee value.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
Marriott Bonvoy Boundless wins year 1 and long term.
Winner after year 1
Marriott Bonvoy Boundless Credit Card
$224 ongoing edge
$608 vs $384
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
Marriott Bonvoy Boundless Credit Card
Year One
$1,658
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$608
Annual rewards + counted benefits - fee
Annual Rewards
$703
2.41% effective return
Welcome Offer
$1,050
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$3,000
3 mo window · $1,000/mo pace · Comfortable
Why it wins
- • Comes with a particularly strong welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Bank of America
Bank of America Premium Rewards credit card
Year One
$984
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$384
Annual rewards + counted benefits - fee
Annual Rewards
$479
1.64% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$4,000
3 mo window · $1,333/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2x
$5,400
Marriott Bonvoy Boundless
$108
2.00%
Bank of America Premium
$108
2.00%
Groceries
2x
$7,800
Marriott Bonvoy Boundless
$156
2.00%
Bank of America Premium
$117
1.50%
Travel
6x
$3,000
Marriott Bonvoy Boundless
$180
6.00%
Bank of America Premium
$60
2.00%
Gas
2x
$1,920
Marriott Bonvoy Boundless
$38
2.00%
Bank of America Premium
$29
1.50%
General
2x
$11,040
Marriott Bonvoy Boundless
$221
2.00%
Bank of America Premium
$166
1.50%
Total annual spend
$29,160 across this mix
Marriott Bonvoy Boundless$703
Bank of America Premium$479
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Marriott Bonvoy Boundless Credit Card | Bank of America Premium Rewards credit card |
|---|---|---|
| Costs | ||
| Annual fee | $95 | $95 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | — | 2x |
| Travel rewards | 6x 6x points on eligible Marriott purchases. | 2x |
| All rewards | 2x | 1.5x |
| Offer | ||
| Welcome offer | 3 Free Night Awards Estimated value assumes strong Marriott redemption usage; actual value varies by property and date. | 60,000 online bonus points Spend $4,000 in 3 mo |
| Benefits | ||
| Estimated benefits | 3 listed | 4 listed |
| Benefit highlights | Marriott Bonvoy Hotel Perks · No Foreign Transaction Fees · Travel Rewards Ecosystem | Preferred Rewards Upside · Trusted Traveler Credit · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | visa |
| Reward type | Points | Points |
Costs
Annual fee
Marriott Bonvoy Boundless Credit Card
$95
Bank of America Premium Rewards credit card
$95
Foreign transaction fee
Marriott Bonvoy Boundless Credit Card
None
Bank of America Premium Rewards credit card
None
Rewards
Dining rewards
Marriott Bonvoy Boundless Credit Card
—
Bank of America Premium Rewards credit card
2x
Travel rewards
Marriott Bonvoy Boundless Credit Card
6x
6x points on eligible Marriott purchases.
Bank of America Premium Rewards credit card
2x
All rewards
Marriott Bonvoy Boundless Credit Card
2x
Bank of America Premium Rewards credit card
1.5x
Offer
Welcome offer
Marriott Bonvoy Boundless Credit Card
3 Free Night Awards
Estimated value assumes strong Marriott redemption usage; actual value varies by property and date.
Bank of America Premium Rewards credit card
60,000 online bonus points
Spend $4,000 in 3 mo
Benefits
Estimated benefits
Marriott Bonvoy Boundless Credit Card
3 listed
Bank of America Premium Rewards credit card
4 listed
Benefit highlights
Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Hotel Perks · No Foreign Transaction Fees · Travel Rewards Ecosystem
Bank of America Premium Rewards credit card
Preferred Rewards Upside · Trusted Traveler Credit · No Foreign Transaction Fees · +1 more
Profile
Credit needed
Marriott Bonvoy Boundless Credit Card
Good
Bank of America Premium Rewards credit card
Good
Network
Marriott Bonvoy Boundless Credit Card
visa
Bank of America Premium Rewards credit card
visa
Reward type
Marriott Bonvoy Boundless Credit Card
Points
Bank of America Premium Rewards credit card
Points