Hilton Honors American Express Surpass Card vs Marriott Bonvoy Boundless
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$150
vs
$95
Base Rewards
3x
vs
2x
Sign-Up Bonus
$650
vs
$450
Editor Score
8/10
vs
7/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $150✗ Highest | $95★ Lowest |
| Purchase APR | 22.49% – 30.49% | 21.49% – 28.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 3% | 5% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 3x★ Highest | 2x✗ Lowest |
| Bonus Categories | 12x Hilton Purchases · 6x Restaurants · 6x Supermarkets | 6x Marriott Bonvoy Hotels · 3x Groceries · 3x Gas Stations |
| Sign-Up Bonus | $650 value★ Highest | $450 value✗ Lowest |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | American Express | Visa |
| At a Glance | ||
| Best For | Regular Hilton guests who value Gold status perks | Regular Marriott hotel guests |
| Ratings | ||
| User Rating | 4.4 / 5★ Highest | 4.3 / 5✗ Lowest |
| Editor Score | 8 / 10★ Highest | 7 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Mid-tier hotel card battle. The Surpass ($150) offers 12x at Hilton, Gold status with breakfast, and 10 Priority Pass lounge visits. The Boundless ($95) offers 14x at Marriott, Gold status, and a free night certificate (up to 35K points). The Boundless's free night alone covers its fee. The Surpass's Gold status breakfast benefit can save $30-50 per stay. If you stay 5+ times: Surpass wins on perks. If you stay 2-3 times: Boundless wins on pure value.
Winner: Marriott Bonvoy Boundless
Lower fee with a free night certificate that covers the annual cost
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Common Questions
Which is better: Hilton Honors American Express Surpass Card or Marriott Bonvoy Boundless?
It depends on your spending habits. The Hilton Honors American Express Surpass Card has a $150 annual fee and earns 3x base rewards. The Marriott Bonvoy Boundless has a $95 annual fee and earns 2x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Hilton Honors American Express Surpass Card and Marriott Bonvoy Boundless?
The Hilton Honors American Express Surpass Card has a $150 annual fee while the Marriott Bonvoy Boundless has a $95 annual fee. The Hilton Honors American Express Surpass Card costs $55 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Hilton Honors American Express Surpass Card and Marriott Bonvoy Boundless?
Yes, since these cards are from different issuers (American Express and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.