Marriott Bonvoy Boundless® vs. Discover it® Cash Back
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 →
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →WealthSpott Verdict
Discover it® Cash Back wins on more measurable categories — particularly annual cost. Marriott Bonvoy Boundless® may still win for your wallet depending on your spending patterns.
Feature
Marriott Bonvoy Boundless®
Discover it® Cash
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
3 free night awards
Cashback Match
Rewards Rate
2x-6x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-28.49% Variable
18.24%-28.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
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
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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