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Chase Sapphire Preferred vs Marriott Bonvoy Bountiful: Which Is Better In 2025?
July 1, 2025
Editor's Picks
- The Chase Sapphire Preferred® Card is best for frequent travelers who want to maximize rewards on travel and dining without paying a premium annual fee.
- The Marriott Bonvoy Bountiful™ Credit Card is ideal for travelers who frequently stay at Marriott properties and want to earn points on hotel, dining, and grocery purchases.
Chase Sapphire Preferred® Breakdown
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Why We Like It
Here’s a high-level look at why the Chase Sapphire Preferred® stands out in a crowded field of travel cards.
- It offers a powerful rewards structure that heavily favors common spending categories like travel and dining.
- Cardholders get access to a suite of valuable travel protections and pay no foreign transaction fees on international purchases.
- After using the $50 annual hotel credit, you only need to spend about $1,500 on dining annually to earn enough points to offset the rest of the annual fee (publisher-formulated estimate).
Pros
- Highly flexible rewards program with valuable airline and hotel transfer partners.
- Comprehensive travel insurance protections that provide peace of mind on the road.
- Valuable lifestyle perks, including a complimentary DashPass subscription and broad international acceptance.
Cons
- Carries an annual fee, which may not be ideal for infrequent travelers.
- Lacks premium travel perks like airport lounge access that are available on higher-tier cards.
- Some benefits come with notable restrictions, such as the hotel credit being limited to bookings through Chase’s portal.
Marriott Bonvoy Bountiful Breakdown
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Why We Like It
Here’s a look at why we like the Marriott Bonvoy Bountiful™ Credit Card.
- Cardholders automatically receive complimentary Marriott Bonvoy Gold Elite status each year.
- You can earn accelerated points on purchases at grocery stores and for dining, plus receive 1,000 bonus points for each paid stay.
- After meeting the annual spending requirement, you receive a Free Night Award worth up to $425 (publisher-formulated estimate).
Pros
- A valuable welcome bonus offer is available to new cardholders who meet the initial spending requirements.
- Cardholders receive a variety of travel and purchase protections, including trip delay and lost luggage reimbursement.
- You receive annual elite night credits to help you reach higher status tiers, and these can be combined with credits from a Marriott Bonvoy business card.
Cons
- The annual fee may not be justified by the card’s benefits, especially when compared to other Marriott cards that offer better value.
- Unlike many competing cards, there is no automatic annual free night award; cardholders must meet a significant spending threshold to earn one.
- The card offers no path to earn higher-level elite status (like Platinum Elite) through spending.
Marriott Bonvoy Bountiful vs Chase Sapphire Preferred®
Categories
Deciding which is better, Chase Sapphire Preferred or Marriott Bonvoy Bountiful, comes down to your travel style and reward preferences. One is a flexible travel card, while the other is tailored for hotel loyalty.
- Chase Sapphire Preferred® Card: This card is an excellent choice for those just starting with travel rewards, offering a strong mix of benefits for a general traveler without a premium fee. It's best categorized as an entry-level travel card.
- Marriott Bonvoy Bountiful™ Credit Card: This card is designed for frequent guests of Marriott properties and is best described as a mid-tier hotel credit card. It offers more benefits than an entry-level card but is less expensive than a luxury one.
Redemption
Chase Sapphire Preferred® Card: Points earned with this card are highly flexible and can be transferred to a variety of airline and hotel loyalty programs or redeemed directly for travel through the Chase portal. This versatility allows you to book travel with whichever brand offers the best value.
Marriott Bonvoy Bountiful™ Credit Card: Rewards are earned as Marriott Bonvoy points, which are primarily redeemed for free nights at hotels and resorts within the Marriott portfolio. You can also use points for other travel experiences available through the Marriott Bonvoy program.
Travel Perks
- Foreign Transaction Fees: Neither card charges a foreign transaction fee, making both suitable for international travel.
- Travel Portals: The Chase Sapphire Preferred gives you access to the Chase Ultimate Rewards portal, where points have an increased value when redeemed for travel. The Marriott Bonvoy Bountiful card's ecosystem is the Marriott Bonvoy program itself, used for booking stays and experiences across Marriott's portfolio.
- Hotel Perks: As a hotel co-branded card, the Marriott Bonvoy Bountiful card's main advantage is complimentary Gold Elite status within the Marriott Bonvoy program. The Chase Sapphire Preferred offers a more general annual hotel credit for stays booked through its portal.
- Travel Protections: The Chase Sapphire Preferred card provides comprehensive travel insurance, including a primary auto rental collision damage waiver and trip cancellation coverage. The Marriott Bonvoy Bountiful card also includes key protections like trip and baggage delay reimbursement.
- Airport Lounge Access: Complimentary access to airport lounges is not a feature of either card.
Compare Top Rated Credit Cards with Kudos
To make a data-backed decision, you can use a tool like Kudos to compare top-rated cards based on your own spending.
- Test drive credit cards: Use your actual spending data to simulate potential earnings from different cards before you apply, all without a hard credit pull.
- Welcome offer guarantee: If you find a better welcome offer within three months of being approved for a card through Kudos, the platform will match it.
- $100 Kudos Kickstart+: You can unlock $100 in rewards by adding certain approved cards to your Kudos Wallet.
- Comprehensive card comparison: The platform evaluates nearly 3,000 credit cards, including many not tied to affiliate commissions, giving you a wider, more independent view of your options.
- Detailed approval odds: Get a personalized analysis of your chances of getting approved for a card based on your credit report.
Who Should Choose the Chase Sapphire Preferred®?
The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who want to earn significant rewards without committing to a premium annual fee. It's particularly well-suited for individuals who spend on dining and travel, as it offers accelerated points in these categories and comes with no foreign transaction fees for international use. As a top entry-level travel card, it provides robust travel protections and flexible redemption options, making it ideal for those new to maximizing credit card benefits.
Who Should Choose the Marriott Bonvoy Bountiful?
The Marriott Bonvoy Bountiful™ Credit Card is tailored for brand loyalists who frequently stay at Marriott properties and want to fast-track their way to higher elite status. These cardholders value the automatic Gold Elite status and the annual 15 elite night credits that give them a head start each year. This card is particularly well-suited for travelers who can meet the $15,000 annual spending requirement to earn a free night award worth up to 50,000 points, a major factor in determining if the card is worth the fee.
Alternatives to Consider
If you've weighed the Chase Sapphire Preferred® vs. Marriott Bonvoy Bountiful™ comparison and are still undecided, you're in the right place. Let's explore a few alternative travel rewards cards that might be a better match for your specific needs.
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Tips for Application Success
Before You Apply
- Check your credit score – A good to excellent credit profile is typically required for approval.
- Review issuer rules – Be aware of application restrictions that may impact your eligibility for a welcome offer.
- Plan your spending – Prepare to meet the initial spending requirement for the welcome offer without overspending.
Application Strategy
- Check for issuer-specific restrictions like Chase's 5/24 rule or Marriott's card family limitations.
- Time your application strategically to align with large, planned purchases for easier bonus qualification.
- Be patient when searching for an elevated offer as the best deals may not always be available.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
Can I transfer points from the Chase Sapphire Preferred® Card to Marriott Bonvoy?
Yes, you can transfer Chase Ultimate Rewards® points earned with the Sapphire Preferred card to the Marriott Bonvoy program. This flexibility allows you to top off your Marriott account for a specific hotel redemption.
Which card is better for earning hotel points?
The Marriott Bonvoy Bountiful™ Card is specifically designed for earning Marriott Bonvoy points, especially on stays at Marriott properties. While the Chase Sapphire Preferred® Card earns flexible points that can be transferred to Marriott, the Bountiful card will generally yield more points for brand loyalists.
Which card offers more flexible rewards?
The Chase Sapphire Preferred® Card offers more flexible rewards through the Chase Ultimate Rewards® program. You can transfer points to a variety of airline and hotel partners, including Marriott, or redeem them for travel directly through the Chase portal.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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