Marriott Bonvoy Boundless® vs. Discover it® Secured Credit Card
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® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →WealthSpott Verdict
Marriott Bonvoy Boundless® wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on how you spend.
Feature
Marriott Bonvoy Boundless®
Discover it® Secured
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
3 free night awards
Cashback Match
Rewards Rate
2x-6x
1%-2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
300-669
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® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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