Citi® / AAdvantage® Executive vs Marriott Bonvoy Bold®
Side-by-side comparison
| Citi® / AAdvantage® Executive | Marriott Bonvoy Bold® | |
|---|---|---|
| Annual fee | $595 | No annual fee |
| Welcome offer | 70,000 AAdvantage® Miles | 60,000 points |
| Dining | 1x | 4x |
| Groceries | 1x | 4x |
| Gas | 1x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $292 | $763 |
| Points type | Locked to American Airlines AAdvantage | Locked to Marriott Bonvoy |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Citi® / AAdvantage® Executive earns about $292 a year in rewards and the Marriott Bonvoy Bold® about $763, valuing every point at a flat 1 cent. The Citi® / AAdvantage® Executive charges $595, which you clear through its rewards and perks. The Marriott Bonvoy Bold® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Marriott Bonvoy Bold® delivers more total value, about $1,067 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Citi® / AAdvantage® Executive currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Bold® if your spending leans toward dining, groceries, gas.