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Marriott Bonvoy Boundless vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Marriott Bonvoy BoundlessChase | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.3/5 | 4/5 |
| Annual Fee | $95 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 28.24% |
| Signup Bonus | 3 Free Night Awards (each up to 50,000 points) after spending $3,000 in 3 months | None |
| Rewards Rate | 6X at Marriott hotels, 3X on dining and groceries, 2X on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| 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 | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | Marriott points worth ~0.8cpp — less valuable than Hyatt 6X at Marriott is strong but 2X base is average $95 annual fee | No rewards program at all Balance transfer fee applies No signup bonus |
| 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 Wells Fargo Reflect Card (4/5). 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.