Choice Privileges® Mastercard® vs Marriott Bonvoy Bold®
Side-by-side comparison
| Choice Privileges® Mastercard® | Marriott Bonvoy Bold® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 60,000 points | |
| Dining | 1x | 4x |
| Groceries | 3x | 4x |
| Gas | 3x | 2x |
| Travel | 5x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $527 | $763 |
| Points type | Locked to Choice Privileges | Locked to Marriott Bonvoy |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Choice Privileges® Mastercard® | Marriott Bonvoy Bold® |
|---|---|---|
| Welcome bonus | 60,000 points | 60,000 points |
| To earn it | $1,000 in 3 months | $1,000 in 3 months |
| Est. first-year value* | $1,127 | $1,363 |
| Est. ongoing value / yr* | $527 | $763 |
The Marriott Bonvoy Bold® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Choice Privileges® Mastercard® | Marriott Bonvoy Bold® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Choice Privileges® Mastercard® earns about $527 a year in rewards and the Marriott Bonvoy Bold® about $763, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The Marriott Bonvoy Bold® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Marriott Bonvoy Bold® delivers more total value, about $236 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. Note that Marriott Bonvoy Bold® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Mastercard® if your spending leans toward gas, travel. Pick the Marriott Bonvoy Bold® if your spending leans toward dining, groceries, streaming.