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Marriott Bonvoy Boundless vs Hilton Honors Surpass Amex

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: too close to call (under 3 pts). Scores: Marriott Bonvoy Boundless 69.7%, Hilton Honors Surpass Amex 67.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Marriott Bonvoy Boundless nets $192/yr, Hilton Honors Surpass Amex nets $379/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeBoundless: 8.0 · Amex: 5.0
• Rewards rateBoundless: 8.5 · Amex: 10
• Sign-up bonusBoundless: n/a · Amex: n/a
• Intro 0% APRBoundless: 0.0 · Amex: 0.0
• Regular APRBoundless: 7.3 · Amex: 7.0
• Foreign transaction feeBoundless: 10.0 · Amex: 10.0
• Regulatory record (CFPB)Boundless: 10.0 · Amex: 10.0

Downsides

• Marriott Bonvoy Boundless69.7%
  Chase · travel
  Annual fee $95 (CFPB TCCP; issuer page did not render a clear fee)APR 19.49%–27.99% variableRewards 2% base; 3% groceries (to $6,000/yr); 3% gas (to $6,000/yr); 3% dining (to $6,000/yr)Credit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.99% if you carry a balance · Penalty APR up to 29.99%

• Hilton Honors Surpass Amex67.1%
  American Express · travel
  Annual fee $150 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–28.74% variableRewards 3% base; 6% dining; 6% gas; 6% groceries; 4% onlineCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $150 annual fee (CFPB TCCP; issuer page did not render a clear 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 Boundless or Hilton Honors Surpass Amex?

On VaultRubric's rubric: too close to call. 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.