Home › Credit cards › Compare › Marriott Bonvoy Bold vs Amex Gold

Marriott Bonvoy Bold vs Amex Gold

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Marriott Bonvoy Bold leads by 5.5 pts. Scores: Marriott Bonvoy Bold 66.9%, Amex Gold 61.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Marriott Bonvoy Bold nets $158/yr, Amex Gold nets $229/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeBold: 10.0 · Gold: 5.0
Rewards rateBold: 4.5 · Gold: 6.0
Sign-up bonusBold: n/a · Gold: n/a
Intro 0% APRBold: 0.0 · Gold: 0.0
Regular APRBold: 7.3 · Gold: 7.0
Foreign transaction feeBold: 10.0 · Gold: 10.0
Regulatory record (CFPB)Bold: 10.0 · Gold: 10.0

Marriott Bonvoy Bold

IssuerChase
Typetravel
Annual fee$0 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
Regular purchase APR19.49%–27.99% variable creditcards.chase.com, 2026-10-12
Rewards1% base; 2% groceries; 2% streaming; 2% utilities; 2% transit creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)not found creditcards.chase.com, 2026-10-12
Intro APRnone No intro APR shown creditcards.chase.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.24%–27.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Amex Gold

IssuerAmerican Express
Typetravel
Annual fee$325 americanexpress.com, 2026-10-11
Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-11
Rewards4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flights americanexpress.com, 2026-10-11
Sign-up bonus (≈$)not found americanexpress.com, 2026-10-11
Intro APRnone Charge card with Pay Over Time; no intro APR offer americanexpress.com, 2026-10-11
Foreign transaction feenone Foreign Transaction: None americanexpress.com, 2026-10-11
Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Marriott Bonvoy Bold66.9%
Chase · travel
Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 19.49%–27.99% variableRewards 1% base; 2% groceries; 2% streaming; 2% utilities; 2% transitCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.99% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40
Amex Gold61.4%
American Express · travel
Annual fee $325APR 19.74%–28.74% variableRewards 4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flightsCredit 720+ (CFPB TCCP targeted tiers)
⚠ $325 annual fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Marriott Bonvoy Bold or Amex Gold?

On VaultRubric's rubric: Marriott Bonvoy Bold scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.