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Capital One Spark Cash vs Marriott Bonvoy Boundless® Credit Card
This comparison aims to help you decide between the Capital One Spark Cash and the Marriott Bonvoy Boundless® Credit Card. Both cards offer unique benefits tailored to different spending habits and preferences, making it essential to understand their features.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that want to earn cash back on all purchases without the hassle of category restrictions. With a straightforward rewards structure, it appeals to small business owners looking for simplicity and value.
Marriott Bonvoy Boundless® Credit Card
The Marriott Bonvoy Boundless® Credit Card is ideal for frequent travelers and Marriott hotel guests. It offers a robust rewards program geared towards earning points for hotel stays and travel-related purchases, making it a great choice for those who enjoy exploring the world.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Marriott Bonvoy Boundless® Credit Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $95 |
| Welcome Bonus | Earn $750 cash back once you spend $7,500 in the first 3 months | Earn 50,000 bonus points after qualifying purchases |
| Rewards Structure | 2% cash back on every purchase | Earn up to 17X points per $1 at Marriott hotels; 3X points on first $6,000 spent on groceries, gas, and dining; 2X points on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Free employee cards; rewards don’t expire | 3 Free Night Awards; automatic Silver Elite status; 15 Elite Night Credits annually |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Marriott Bonvoy Boundless® Credit Card
- 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 Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases
- No foreign transaction fees
- Free employee cards
- Simple cash back rewards structure
- Cons:
- $95 annual fee after the first year
- Higher spending requirement for welcome bonus
Marriott Bonvoy Boundless® Credit Card
- Pros:
- Generous rewards for hotel stays
- Annual free night award
- Automatic Silver Elite status
- Flexible point redemption for travel
- Cons:
- Annual fee of $95
- Complex rewards structure
Who Should Consider Which Card?
- Capital One Spark Cash may be ideal for:
- Small business owners looking for straightforward cash back rewards
- Those who prefer simplicity with no category restrictions
- Marriott Bonvoy Boundless® Credit Card may be ideal for:
- Frequent travelers and Marriott loyalists
- Individuals looking to earn hotel points and free nights
Conclusion
Both the Capital One Spark Cash and the Marriott Bonvoy Boundless® Credit Card offer distinct advantages tailored to different users. Carefully consider your spending habits and financial goals to choose the card that best aligns with your needs.