Chase Marriott Bonvoy Boundless vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Marriott Bonvoy Boundless wins 4-2. Free annual night ($85K Bonvoy) covers the $95 fee easily. Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Chase Marriott Bonvoy Boundless | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (travel) | · 3% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 3 free nights (each up to 50K Bonvoy points) after $3,000 spend in 3 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
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
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Chase Marriott Bonvoy Boundless vs Bank of America Customized Cash: which is better?
Chase Marriott Bonvoy Boundless wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Marriott Bonvoy Boundless for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Marriott Bonvoy Boundless: 3 free nights (each up to 50K Bonvoy points) after $3,000 spend in 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.