Head-to-head · 🇺🇸 United States
Apple Card vs Chase Marriott Bonvoy Boundless
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Goldman Sachs / Apple
Apple Card
Wins 2 of 10
US
Chase
Chase Marriott Bonvoy Boundless
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Apple Card | Chase Marriott Bonvoy Boundless |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 6% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus — daily cashback model | = 3 free nights (each up to 50K Bonvoy points) after $3,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 660 | · 700 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
Chase Marriott Bonvoy Boundless
- 6x Bonvoy points at Marriott
- 2x on everything else
- Free annual award night (35K points)
- Marriott Silver Elite status (15 elite night credits)
- No foreign transaction fees
FAQ
›Apple Card vs Chase Marriott Bonvoy Boundless: which is better?
It's a true tie — pick the one whose boost categories match your spend. Apple Card wins on 2 criteria, Chase Marriott Bonvoy Boundless on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Apple Card for its best categories, Chase Marriott Bonvoy Boundless for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Apple Card: No welcome bonus — daily cashback model. Chase Marriott Bonvoy Boundless: 3 free nights (each up to 50K Bonvoy points) after $3,000 spend in 3 months.