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Capital One Quicksilver Cash Rewards Credit Card vs Marriott Bonvoy Boundless® Credit Card
This comparison aims to help users decide between the Capital One Quicksilver Cash Rewards Credit Card and the Marriott Bonvoy Boundless® Credit Card. Both cards offer unique benefits and rewards that cater to different spending habits and financial goals.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for users seeking a straightforward cash back rewards program with no annual fee. It provides a flexible rewards structure that allows cardholders to earn cash back on all purchases without the hassle of rotating categories.
Marriott Bonvoy Boundless® Credit Card
The Marriott Bonvoy Boundless® Credit Card is ideal for frequent travelers and Marriott hotel guests. With a focus on hotel rewards and travel benefits, this card offers opportunities to earn points towards free nights and elite status within the Marriott Bonvoy program.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards | Marriott Bonvoy Boundless® |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months | Earn 3 Free Night Awards and 50,000 bonus points after qualifying purchases |
| Rewards Structure | Unlimited 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through Capital One Travel | Earn up to 17X total points per $1 spent at Marriott hotels; 3X on first $6,000 spent on grocery stores, gas, and dining; 2X on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | None specified | None specified |
| Additional Benefits | Cash back doesn’t expire; no rotating categories | Free Night Award annually; 15 Elite Night Credits; automatic Silver Elite status |
Rewards Highlights
Capital One Quicksilver Cash Rewards
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn unlimited 1.5% cash back on every purchase, every day
Marriott Bonvoy Boundless®
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- 2X points for every $1 spent on all other purchases.
Pros and Cons
Capital One Quicksilver Cash Rewards
- Pros:
- No annual fee
- Simple cash back structure
- High cash back rates on travel bookings
- No foreign transaction fees
- Cons:
- Lower rewards potential for travel enthusiasts
- No travel-related perks or benefits
Marriott Bonvoy Boundless®
- Pros:
- Generous rewards for hotel stays
- Annual free night award
- Automatic elite status and additional benefits
- No foreign transaction fees
- Cons:
- Annual fee of $95
- More complex rewards structure
Who Should Consider Which Card?
- Capital One Quicksilver Cash Rewards: Ideal for users who prefer simplicity in earning cash back across all purchases and want to avoid annual fees.
- Marriott Bonvoy Boundless®: Best suited for frequent travelers who prefer to stay at Marriott properties and can benefit from hotel rewards and loyalty perks.
Conclusion
When choosing between the Capital One Quicksilver Cash Rewards Credit Card and the Marriott Bonvoy Boundless® Credit Card, consider your individual spending habits and financial goals. If you prefer cash back and flexibility, the Quicksilver may be the better option. However, if you frequently travel and stay at Marriott hotels, the Bonvoy Boundless® card could offer more value through its rewards and benefits.