Hilton Honors American Express Surpass Card vs. Marriott Bonvoy Boundless Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Hilton Honors American Express Surpass Card
Amex
Marriott Bonvoy Boundless Credit Card
Chase
Hilton Honors American Express Surpass Card and Marriott Bonvoy Boundless Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Hilton Honors American Express Surpass Card wins on earning ceiling and travel insurance; Marriott Bonvoy Boundless Credit Card wins on first-year math and annual fee.
Pick the Marriott Bonvoy Boundless Credit Card if year-one math is your priority; take the Marriott Bonvoy Boundless Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Boundless Credit Card wins on bonus value minus annual fee.
- Annual fee Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Boundless Credit Card is $55 cheaper to keep.
- Earning ceiling Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card earns more on its best category (12× vs 6×).
- Travel insurance Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass Card carries built-in travel insurance.
By the numbers
- Annual fee
- $150
- $95
- Welcome offer (typical value)
- $650
- $1,000
- First-year net
- +$500
- +$905
- Peak earning rate
- 12×
- 6×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Marriott Hotels, Grocery, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- Marriott Bonvoy
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.