Chase Marriott Bonvoy Boundless vs Capital One Spark Cash Plus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Marriott Bonvoy Boundless wins 3-1. Free annual night ($85K Bonvoy) covers the $95 fee easily. Capital One Spark Cash Plus is still the right call if high-spend small business — 2% flat with $1,200 welcome..
Side-by-side
| Criterion | Chase Marriott Bonvoy Boundless | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $95 | · $150 |
| Joining fee | = None | = None |
| Top reward rate | 6% (travel) | · 2% (general) |
| Base reward rate | = 2% | = 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 3 free nights (each up to 50K Bonvoy points) after $3,000 spend in 3 months | = $1,200 cash bonus after $30,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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
Capital One Spark Cash Plus
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
FAQ
›Chase Marriott Bonvoy Boundless vs Capital One Spark Cash Plus: which is better?
Chase Marriott Bonvoy Boundless wins on more dimensions (3 vs 1). 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, Capital One Spark Cash Plus 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. Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months.