Marriott Bonvoy Boundless vs The Ritz-Carlton Credit — which is worth it to you?
The Marriott Bonvoy Boundless ($95/yr) and the The Ritz-Carlton Credit Card ($450/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
The The Ritz-Carlton Credit charges $450 a year against the Marriott Bonvoy Boundless's $95, so it starts $355 behind. Both earn Marriott Bonvoy points, and a point from one is worth the same as a point from the other. What separates them is rates and credits.
Both cards pay a bonus on dining (3x vs 3x). Past the overlap, the Marriott Bonvoy Boundless has bonus rates on groceries (3x), while the The Ritz-Carlton Credit has them on flights (3x).
The Marriott Bonvoy Boundless comes with 1 statement credit, the biggest being Airline Statement Credits ($100/yr). The The Ritz-Carlton Credit has 3 statement credits: $300 Annual Travel Credit, $100 Ritz-Carlton / St. Regis Property Credit and Global Entry / TSA PreCheck Credit ($30/yr). All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry baggage delay, Elite Night Credits, elite status, extended warranty, lost luggage, no foreign transaction fees, purchase protection, rental car collision coverage, travel accident insurance and trip delay. The The Ritz-Carlton Credit also has emergency evacuation, emergency medical, lounge access, return protection, Ritz-Carlton Club Level Upgrade Certificates, roadside assistance and trip cancellation, with no equivalent on the Marriott Bonvoy Boundless.
Marriott Bonvoy Boundless
Chase · $95 annual fee · earns Marriott Bonvoy points
Earning rates
- 6x Marriott Bonvoy hotels
- 3x Grocery stores (on the first $6,000/yr COMBINED across grocery, gas & dining, then 2x)
- 3x Dining (on the first $6,000/yr COMBINED across grocery, gas & dining, then 2x)
- 3x Gas stations (on the first $6,000/yr COMBINED across grocery, gas & dining, then 2x)
- 2x Everything else
Statement credits (1)
- Airline Statement Credits — $50 statement credit each six-month window after $250+ spent directly with airlines in that window — up to $100/yr, through June 30, 2027.
Full Marriott Bonvoy Boundless breakdown — 12 more benefits on the full page.
The Ritz-Carlton Credit Card
Chase · $450 annual fee · earns Marriott Bonvoy points
Closed to new applicants.
Earning rates
- 6x Marriott Bonvoy hotels
- 3x Dining worldwide
- 3x Scheduled airline flights (direct)
- 3x Select car rental companies
- 2x Everything else
Statement credits (3)
- $300 Annual Travel Credit — $300 per calendar year in statement credits for airline incidentals — lounge day passes/memberships, seat upgrades, baggage fees, and in-flight wifi/entertainment/meals.
- $100 Ritz-Carlton / St. Regis Property Credit — $100 credit per booking (2-night minimum) toward on-property dining, spa, and recreational activities at The Ritz-Carlton or St. Regis.
- Global Entry / TSA PreCheck Credit — $120 Global Entry application-fee credit every 4 years (~$30/yr), or TSA PreCheck instead.
Full The Ritz-Carlton Credit Card breakdown — 19 more benefits on the full page.
Card data verified against issuer sources: Marriott Bonvoy Boundless on 2026-08-21, The Ritz-Carlton Credit Card on 2026-08-27.
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