American Express® Gold Card vs. Marriott Bonvoy Boundless®
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →
Marriott Bonvoy Boundless®
Chase
4.4
3 free night awards. 6x at Marriott. Annual free night certificate.
Full review →WealthSpott Verdict
Marriott Bonvoy Boundless® wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Marriott Bonvoy Boundless®
Annual Fee
$250/yr
$95/yr Best
Sign-up Bonus
60,000 points
3 free night awards
Rewards Rate
1x-4x
2x-6x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
See terms
21.49%-28.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Marriott Bonvoy Boundless®
Pros
- 3 free night awards as sign-up bonus
- Annual free night certificate (up to 35k points)
- 6x at Marriott properties
- Automatic Silver Elite status
Cons
- $95 annual fee
- Rewards tied to Marriott ecosystem only
- Points devaluation risk with award chart changes
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