Wells Fargo Active Cash vs Chase Marriott Bonvoy Boundless
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Active Cash wins 3-2. No-fee 2% flat — competitive with Citi Double Cash. Chase Marriott Bonvoy Boundless is still the right call if free annual night ($85k bonvoy) covers the $95 fee easily..
Side-by-side
| Criterion | Wells Fargo Active Cash | Chase Marriott Bonvoy Boundless |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 6% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = 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 | 670 | · 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Wells Fargo Active Cash
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
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
›Wells Fargo Active Cash vs Chase Marriott Bonvoy Boundless: which is better?
Wells Fargo Active Cash wins on more dimensions (3 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 Wells Fargo Active Cash 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?
Wells Fargo Active Cash: $200 cashback after $500 in first 3 months. Chase Marriott Bonvoy Boundless: 3 free nights (each up to 50K Bonvoy points) after $3,000 spend in 3 months.