Marriott Bonvoy Bountiful® vs Wells Fargo Active Cash®
Side-by-side comparison
| Marriott Bonvoy Bountiful® | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | $250 | No annual fee |
| Welcome offer | 85,000 points | $200 cash rewards bonus |
| Dining | 4x | 2x |
| Groceries | 4x | 2x |
| Gas | 2x | 2x |
| Travel | 2x | 2x |
| Streaming | 2x | 2x |
| Everything else | 2x | 2x |
| Est. yearly rewards* | $763 | $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 Bountiful® earns about $763 a year in rewards and the Wells Fargo Active Cash® about $583, valuing every point at a flat 1 cent. The Marriott Bonvoy Bountiful® charges $250, which you clear through its rewards and perks. The Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wells Fargo Active Cash® delivers more total value, about $70 a year more for a typical spender, mostly because it skips the annual fee the other charges. 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 Bountiful® stays locked to a single airline or hotel program. Favor the Wells Fargo Active Cash® if you will use travel transfers, the Marriott Bonvoy Bountiful® if you want simplicity. On the sign-up bonus, the Marriott Bonvoy Bountiful® 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 Bountiful® if your spending leans toward dining, groceries.