Card economics
Marriott Bonvoy Boundless
Annual fee
$95/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Marriott Properties | 6x |
| Groceries — in store | 3xUp to $6,000/yr shared, then 2x |
| Groceries — online | 3xUp to $6,000/yr shared, then 2x |
| Whole Foods | 3xUp to $6,000/yr shared, then 2x |
| Gas stations (excluding Costco Gas) | 3xUp to $6,000/yr shared, then 2x |
| Dining | 3xUp to $6,000/yr shared, then 2x |
| Fast Food | 3xUp to $6,000/yr shared, then 2x |
| Everything else | 2xBase rate |
Spending caps
| Category | Bonus rate | Annual cap |
|---|---|---|
| Groceries — in store | 3x | $6,000/yrThen 2x |
| Groceries — online | 3x | $6,000/yrThen 2x |
| Whole Foods | 3x | $6,000/yrThen 2x |
| Gas stations (excluding Costco Gas) | 3x | $6,000/yrThen 2x |
| Dining | 3x | $6,000/yrThen 2x |
| Fast Food | 3x | $6,000/yrThen 2x |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Fee calculator
Sticker Fee
$95/yr
Credits
-$200
Effective Fee
$0
Credits & Benefits
Max: $250/yr · annual
Free night at properties up to 35,000 Marriott points. Awarded after account anniversary. Value depends on hotel chosen (~$150-$250).
Max: $100/yr · annual
Two separate $50 statement credits: $50 after $250 spend by 12/31/2026, another $50 after $250 spend 1/1-6/30/2027.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Marriott Bonvoy Boundless might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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