Marriott Bonvoy Boundless® vs Wells Fargo Active Cash®
Side-by-side comparison
| Marriott Bonvoy Boundless® | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 125,000 points + 1 Free Night Award (up to 50,000 pts) | $200 cash rewards bonus |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 3x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 2x | 2x |
| Est. yearly rewards* | $671 | $583 |
| Points type | Locked to Marriott Bonvoy | Pools with Wells Fargo → transferable |
| Network | Visa | 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 Marriott Bonvoy Boundless® earns about $671 a year in rewards and the Wells Fargo Active Cash® about $583, valuing every point at a flat 1 cent. The Marriott Bonvoy Boundless® charges $95, which you clear through its rewards and perks. The Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. The two are close on value, but the Wells Fargo Active Cash® edges ahead by about $7 a year, mostly because it earns more where you spend most, on travel and streaming. The bigger difference is the ceiling: the Wells Fargo Active Cash® earns points you can move to travel partners for outsized value, while the Marriott Bonvoy Boundless® stays locked to a single airline or hotel program. Favor the Wells Fargo Active Cash® if you will use travel transfers, the Marriott Bonvoy Boundless® if you want simplicity. On the sign-up bonus, the Marriott Bonvoy Boundless® 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 Boundless® if your spending leans toward dining, groceries, gas. Pick the Wells Fargo Active Cash® if your spending leans toward travel, streaming.