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 Chase Sapphire Preferred® Credit Card ($95/yr) and the Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. Both cost $95 a year, so it comes down to where you spend: Chase Sapphire Preferred Card earns more on dining, groceries, flights, hotels and other travel, Marriott Bonvoy Boundless on gas and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest 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.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply Now| Feature | Chase Sapphire Preferred Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | 3 free nights after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 2% | 2% |
| Dining Rewards | 3% | 3% (up to $6,000/yr) |
| Groceries Rewards | 3% | 3% (up to $6,000/yr) |
| Gas Rewards | 1% | 3% (up to $6,000/yr) |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. 3% at top gas and EV charging brands Earns 3% only at the gas station and EV charging brands Chase selects. Other gas stations earn 1%. |
6% at Marriott hotels Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. |
Marriott Bonvoy Boundless Credit Card wins on gas.
Chase Sapphire Preferred Card carries $220/year in credits (mostly tied to specific merchants or bookings), 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.
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.