Chase Marriott Bonvoy Boundless vs Wells Fargo Reflect
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. Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Chase Marriott Bonvoy Boundless | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (travel) | · 1% (general) |
| 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 | = No welcome bonus — value is the long 0% APR |
| 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
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Chase Marriott Bonvoy Boundless vs Wells Fargo Reflect: 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, Wells Fargo Reflect 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. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.