Up to $50/yr on hotel stays booked through Chase Travel (anniversary year).
AnniversaryVerified
Effective annual fee
What it really costs
The sticker fee is what the card charges. The effective annual fee is what it costs — after the statement credits you would actually use.
PrimaryLower for you
Marriott Bonvoy BoundlessChase
Annual fee$95
At face value, used in full−$155
Your effective fee−$30
Estimate — every credit set to Maybe
Compared against
Sapphire PreferredChase
Annual fee$95
At face value, used in full−$125
Your effective fee−$15
Estimate — every credit set to Maybe
Which credits count
Answer once per credit, on both cards
Nobody uses every credit. Pick a category, see both cards side by side, and mark what you would use — the effective annual fee above recomputes against your answers, not the issuer's best case.
Which credits you'd actually use
Travel
Hotel, airline and portal credits.
Marriott Bonvoy Boundless—
Nothing in travel on this card.
Sapphire Preferred$100
Dining
Restaurants, delivery and grocery credits.
Marriott Bonvoy Boundless—
Nothing in dining on this card.
Sapphire Preferred$120
Complimentary DashPass + $10 monthly member promo (through 2027; activate).
MonthlyEnroll firstVerifiedAccess
Application-fee and credential credits, and anything that fits no other category.
Marriott Bonvoy Boundless$250
Anniversary free night (up to 35k points) — book it before it expires!
AnniversaryVerifiedSapphire Preferred—
Nothing in access on this card.
That's every credit on both cards.
Maybe is scored at 50% of annual value.Every figure is annualized.
Rates normalised to cents of value per dollar spent, so different point currencies compare. Useful once you hold the card; it is not what decides whether the fee is worth paying.
| Marriott Bonvoy Boundless | Sapphire Preferred | |
|---|---|---|
| Dining & restaurants | 3× Dining / Groceries, gas, dining | 3× Dining |
| Groceries | 3× Grocery Stores / Groceries, gas, dining | 3× Grocery Delivery / Online groceries & select streaming |
| Flights (booked direct) | — | 2× Travel |
| Hotels (booked direct) | 17× Marriott | 2× Travel |
| Other travel | — | 3× Vacation Homes |
| Gas & EV charging | 3× Gas Stations / Groceries, gas, dining | 3× Gas Stations |
| Transit & rideshare | — | 5× Lyft |
| Streaming | — | 3× Online groceries & select streaming / Streaming Services |
| Issuer travel portal | — | 5× All Travel (Ultimate Rewards) / Chase Travel bookings |
| Everything else | 2× Everything else | 1× Everything else |
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Where these figures come from
How we verify our data
Figures come from our card database and can lag issuer changes — always verify against the issuer's current terms.
- Solid borders: Verified issuer terms.
- Dashed borders: Estimated, pending final issuer sync.