Card economics
Marriott Bonvoy Boundless
Annual fee
$95/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| 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
Many cards cap bonus earn rates at a set spending amount per year, quarter, or month. After hitting the cap, you earn the lower base rate. The optimizer automatically routes overflow spend to other cards.| Category | Bonus rate | 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 cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Benefits not in the math
Perks whose value depends on how you travel — lounges, free bags, status. The optimizer counts them only when a Premium perk-value profile assigns them a dollar value, once per wallet; with no profile they are worth $0 in every figure.Hotel elite status
Automatic Marriott Bonvoy Silver Elite status; Gold Elite after $35,000 spent in a calendar year.
Issuer sourceCounted at $0 unless you assign a value in a Premium perk-value profile.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$95/yr
Credits
-$200
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$0
Credits are counted up to the fee: the effective fee never goes below $0, so credits worth more than the fee do not make it negative.
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.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.
Max: $40/yr · counted per year; paid quarterly
12 months of complimentary DashPass (activate by 12/31/2027), plus $10 off one non-restaurant DoorDash order each quarter while enrolled in DashPass. DashPass renews at the paid monthly rate after the complimentary period.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. 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.