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Side-by-side

Bilt Blue vs Marriott Bonvoy Boundless

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Marriott Bonvoy Boundless from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Marriott Bonvoy Boundless is the stronger pick today, the sign-up bonus is meaningfully larger ($1,480 more in estimated value) than the Bilt Blue's. Get the Marriott Bonvoy Boundless first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueMarriott Bonvoy Boundless
Annual fee$0$95
Sign-up bonus$100 Bilt Cash4 Free Night Awards
Bonus value (est.)$100$1,580
Min spend to unlock bonus$0 in 0 mo$3,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytravelhotel
Best earning category (Lyft)3x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • Free night award annually
  • 15 elite qualifying nights
  • 6x at Marriott properties
  • Silver Elite status
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Marriott Bonvoy Boundless
$95/yr · 4 Free Night Awards

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

Editorial take: Marriott Bonvoy Boundless

One of our favorite keeper cards. The free night award on every card anniversary easily exceeds the $95 fee, and the 15 elite qualifying nights help you reach Marriott status faster.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Marriott Bonvoy Boundless?
The Marriott Bonvoy Boundless has the bigger bonus, 4 Free Night Awards, worth roughly $1,580, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Marriott Bonvoy Boundless?
The Bilt Blue has no annual fee, so the question is whether the Marriott Bonvoy Boundless's $95 fee is justified by its perks. If you'll use enough of the Marriott Bonvoy Boundless's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Marriott Bonvoy Boundless?
Yes, since they're from different issuers (Column N.A. and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Bilt Blue or the Marriott Bonvoy Boundless first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Marriott Bonvoy Boundless: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.