Marriott Bonvoy Boundless® vs. Wells Fargo Reflect®
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 →
WealthSpott Verdict
Wells Fargo Reflect® 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®
Wells Fargo Reflect®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
3 free night awards
None
Rewards Rate
2x-6x
0%
Rewards Type
Points
None
0% Intro APR
N/A
0% intro APR for up to 21 months
Regular APR
21.49%-28.49% Variable
18.24%-29.99% 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
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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