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All comparisons
Head-to-head, 2026

American Express Gold Chase Marriott Bonvoy Boundless

American Express Gold

$325/yr

Gold
Marriott Bonvoy Boundless

Chase Marriott Bonvoy Boundless

$95/yr

Every $1 · two cards

American Express Gold earns more in 7 of 9 categories · Chase Marriott Bonvoy Boundless in 1

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    3×2.25¢ per $1

    up to $6,000/yr

  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    3×2.25¢ per $1

    up to $6,000/yr

  • Gas
    1×2¢ per $1
    3×2.25¢ per $1

    up to $6,000/yr

  • Flights
    3×6¢ per $1
    2×1.5¢ per $1
  • Hotels
    5×10¢ per $1

    via amextravel.com

    2×1.5¢ per $1
  • Everything else
    1×2¢ per $1
    2×1.5¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Chase Marriott Bonvoy Boundless

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Chase

Marriott Bonvoy Boundless

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$3,000 / 3mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy® · Marriott Bonvoy
  • 3×Gas stations; grocery stores; dining at restaurants · Marriott Bonvoy
  • 2×All other purchases · Marriott Bonvoy

Key benefits

  • Annual Free Night Award · $295
  • $50 Semiannual Airline Credit · $50
  • Quarterly DoorDash non-restaurant discount · $10
  • Purchase Protection · $0
  • Trip Delay Insurance · $0
Full Chase Marriott Bonvoy Boundless review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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