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Hilton Honors American Express Card vs Marriott Bonvoy Boundless® Credit Card: Which Earns More?

Melvyn Kim
Founder & Editor · Published July 29, 2026
B.A. Economics

The verdict

On typical spending the Hilton Honors American Express Card nets $1,082 a year after fees, $313 more than the Marriott Bonvoy Boundless® Credit Card at $769. The Hilton Honors American Express Card stays ahead at every spending level we model.

Who earns more, by the numbers

Spending levelHilton Honors American Express CardMarriott Bonvoy Boundless® Credit CardWinner
Light spender ($1,200/mo)$542/yr$337/yrHilton Honors American Express Card
Typical spender ($2,400/mo)$1,082/yr$769/yrHilton Honors American Express Card
Heavy spender ($4,500/mo)$2,030/yr$1,525/yrHilton Honors American Express Card

Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.

Hilton Honors American Express Card

American Express

3.4/5
Annual Fee:$0
APR:22.49%-30.49% variable
Welcome Bonus: 70,000 Hilton Honors bonus points after $2,000 in purchases in 3 months
Rewards: 7X Hilton, 5X restaurants/supermarkets/gas, 3X everything else
EARNS MORE ON TYPICAL SPEND

Marriott Bonvoy Boundless® Credit Card

Chase

3.0/5
Annual Fee:$95
APR:21.49%-28.49% variable
Welcome Bonus: 3 free night awards (each up to 50,000 points) after $3,000 in purchases in the first 3 months
Rewards: 17X at Marriott, 3X on everything else

The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.

FAQ

Which is better, the Hilton Honors American Express Card or the Marriott Bonvoy Boundless® Credit Card?
On typical spending the Hilton Honors American Express Card nets $1,082 a year after fees, $313 more than the Marriott Bonvoy Boundless® Credit Card at $769. The Hilton Honors American Express Card stays ahead at every spending level we model.
What is the annual fee difference between the Hilton Honors American Express Card and the Marriott Bonvoy Boundless® Credit Card?
The Hilton Honors American Express Card charges no annual fee, versus $95 for the Marriott Bonvoy Boundless® Credit Card — a $95 difference every year.