Marriott Bonvoy Boundless vs Capital One Savor: Which Is Better In 2025?

Capital One Savor Cash Rewards Breakdown

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Why We Like It

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Here’s a closer look at why we think the Capital One Savor Cash Rewards (See Rates & Fees) is a standout choice.

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• Earning rewards is straightforward on everyday spending like dining, entertainment, and at grocery stores, with no rotating categories to track.
• Redeeming your cash back is just as simple, with flexible options and no minimum amount required.
• Cardholders also get access to valuable benefits like exclusive entertainment events and travel protections.

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Pros

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• Cardholders get access to robust security features, including a virtual assistant for account monitoring and a complimentary credit monitoring tool.
• For added flexibility, cash back can be converted to miles if you also carry a Capital One Venture Rewards card.
• The card includes price protection benefits when you book trips through the Capital One Travel portal.

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Cons

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• You’ll need a good to excellent credit score for approval.
• Bonus cash back at grocery stores excludes purchases from superstores and wholesale clubs.
• Its rewards are best for those who spend a lot on dining and entertainment, so it may not be the right fit for everyone.

Capital One Savor Cash Rewards vs Marriott Bonvoy Boundless®

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Categories

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Deciding which is better, the Marriott Bonvoy Boundless® Credit Card or the Capital One Savor Cash Rewards Credit Card, depends on your primary spending habits and lifestyle. Each card is designed to reward different types of consumers.

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• Marriott Bonvoy Boundless® Credit Card - This card is ideal for frequent travelers, particularly those who regularly stay at Marriott properties for business or leisure and want to earn hotel-specific rewards.
• Capital One Savor Cash Rewards Credit Card - This card is best for consumers who frequently dine out and spend on entertainment, as well as families with substantial grocery spending.

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Redemption

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Marriott Bonvoy Boundless® Credit Card: Points earned with this card are primarily redeemed for free nights at hotels within the Marriott Bonvoy portfolio. Cardholders can also transfer points to a variety of airline loyalty programs.

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Capital One Savor Cash Rewards Credit Card: This card offers straightforward cash back rewards that can be redeemed in several flexible ways. You can receive your rewards as a statement credit to lower your account balance or request a check.

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Travel Perks

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• Marriott Bonvoy Boundless® Credit Card: This card’s travel ecosystem is centered around the Marriott Bonvoy program. It grants cardholders automatic elite status and allows rewards to be transferred to numerous airline partners to be used as miles. The card does not have foreign transaction fees.
• Capital One Savor Cash Rewards Credit Card: While not a traditional travel card, it offers several travel-friendly perks. It has no foreign transaction fees, making it a solid choice for spending abroad. Cardholders can book travel through the Capital One Travel portal and get access to unique events via Capital One Entertainment. This card does not include airport lounge access.

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Compare Top Rated Credit Cards with Kudos

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To eliminate the guesswork, a tool like Kudos can help you compare nearly 3,000 credit cards using your actual spending data to find the best fit.

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• Personalized card matching based on your real transaction history.
• The ability to test drive credit cards before you apply, showing you potential earnings without impacting your credit score.
• Detailed approval odds based on your credit report.
• A welcome offer guarantee, ensuring you get the best deal available.
• Access to Kudos Boost, which lets you earn extra rewards on top of what your card offers when you shop.

Who Should Choose the Marriott Bonvoy Boundless®?

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The Marriott Bonvoy Boundless® Credit Card is an excellent choice for travelers who frequently stay at Marriott properties and want to accelerate their elite status journey. This cardholder is someone who can easily offset the $95 annual fee by taking advantage of the anniversary free night award, which is valued at up to 35,000 points. They also value earning rewards on everyday purchases like groceries, gas, and dining, making it a practical card for both travel and daily life.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is tailor-made for consumers who frequently spend on dining and entertainment, such as urban professionals or active families. It particularly benefits those whose budget includes regular restaurant meals, movie tickets, concerts, and spending at grocery stores. Furthermore, with no foreign transaction fees, it's a valuable tool for travelers looking to earn rewards on international purchases.

Alternatives to Consider

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If our Marriott Bonvoy Boundless vs Capital One Savor comparison didn't point you to your next card, don't fret. Here are a few other top-tier rewards cards that might be a better match for your wallet.

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Tips for Application Success

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Before You Apply

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• Check your credit score – Most rewards cards require good to excellent credit for approval.
• Plan your spending – Ensure you can naturally meet any welcome offer spending requirements with your normal purchases.
• Review application rules – Be aware of issuer-specific policies that could impact your eligibility for the card or its welcome offer.

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Application Strategy

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• Align the card with your lifestyle – Choose a card that rewards your spending habits, whether it's travel or dining out.
• Know the issuer’s rules – Some issuers limit approvals based on how many cards you’ve recently opened.
• Time your application – Apply before a large planned purchase to help meet the spending requirement for a welcome offer.

Our Methodology

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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.

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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

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Which card is better for travel rewards?

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The best card for travel rewards depends on your preferences. One card is ideal for earning points within a specific hotel loyalty program, while the other offers flexible cash back on various spending categories.

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Is one card better for everyday spending?

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Your daily spending habits will determine which card is more beneficial. The Marriott Bonvoy Boundless® card rewards spending with the hotel chain, whereas the Capital One Savor card focuses on rewarding dining and entertainment purchases.

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How do I decide which card is right for me?

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To choose the right card, evaluate your spending patterns and travel goals. Consider whether you value loyalty to a specific hotel brand or prefer the flexibility of cash back rewards.

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