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Marriott Bonvoy Boundless vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Marriott Bonvoy BoundlessChase | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.3/5 | 4.2/5 |
| Annual Fee | $95 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 27.49% |
| Signup Bonus | 3 Free Night Awards (each up to 50,000 points) after spending $3,000 in 3 months | None publicly listed |
| Rewards Rate | 6X at Marriott hotels, 3X on dining and groceries, 2X on everything else | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| Credit Score | good | good |
| Pros | 3 free night awards worth up to $750+ at signup Free night award each cardmember anniversary (up to 35K points) Automatic Silver Elite status with 15 qualifying night credits | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | Marriott points worth ~0.8cpp — less valuable than Hyatt 6X at Marriott is strong but 2X base is average $95 annual fee | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value |
| View Details → | View Details → |
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Verdict
Our Pick: Marriott Bonvoy Boundless
With a 4.3/5 rating, the Marriott Bonvoy Boundless edges out the U.S. Bank Smartly Visa Signature (4.2/5). At $95/yr, the value proposition is strong. The Marriott Boundless is the best entry-level hotel card for Marriott loyalists. 3 free nights at signup, an anniversary free night, and Silver Elite status make the $95 fee easy to justify.