Marriott Bonvoy Boundless® vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Marriott Bonvoy Boundless®
Chase
4.4
3 free night awards. 6x at Marriott. Annual free night certificate.
Full review →
Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
Marriott Bonvoy Boundless® wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
Marriott Bonvoy Boundless®
Capital One Spark
Annual Fee
$95/yr Best
$150/yr
Sign-up Bonus
3 free night awards
Up to $1,200
Rewards Rate
2x-6x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
21.49%-28.49% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
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
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
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