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.
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Side-by-side
Marriott Bonvoy Boundless vs Navy Federal More Rewards American Express Card
Both are well-respected travel cards. The Marriott Bonvoy Boundless comes from Chase at $95/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union at $0/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 ($780 more in estimated value) than the Navy Federal More Rewards American Express Card's. Get the Marriott Bonvoy Boundless first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.
| Feature | Marriott Bonvoy Boundless | Navy Federal More Rewards American Express Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | 4 Free Night Awards | 20,000 points ($200 value) |
| Bonus value (est.) | $980 | $200 |
| Min spend to unlock bonus | $3,000 in 3 mo | $2,000 in 3 mo |
| Issuer | Chase | Navy Federal Credit Union |
| Card category | hotel | cashback |
| Best earning category (Marriott) | 6x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Marriott Bonvoy Boundless
$95/yr · 4 Free Night Awards
Read the full review
Navy Federal More Rewards American Express Card
$0/yr · 20,000 points ($200 value)
Editorial take: Navy Federal More Rewards American Express Card
Common questions
- Which card has the bigger sign-up bonus, Marriott Bonvoy Boundless or Navy Federal More Rewards American Express Card?
- The Marriott Bonvoy Boundless has the bigger bonus, 4 Free Night Awards, worth roughly $980, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
- Is the Marriott Bonvoy Boundless's $95 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
- At $95/yr, the Marriott Bonvoy Boundless is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Navy Federal More Rewards American Express Card's, pick the one whose perks you'll actually use.
- Can I have both the Marriott Bonvoy Boundless and Navy Federal More Rewards American Express Card?
- Yes, since they're from different issuers (Chase and Navy Federal Credit Union) 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 Marriott Bonvoy Boundless or the Navy Federal More Rewards American Express Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Boundless: $3,000 spend in 3 months. Navy Federal More Rewards American Express Card: $2,000 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.