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Chase Freedom Flex vs Marriott Bonvoy Boundless

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Marriott Bonvoy Boundless 1.5% 2x base rate
  2. Freedom Flex 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Marriott Bonvoy Boundless 2.3% 3x

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Marriott Bonvoy Boundless 2.3% 3x

Gas

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Freedom Flex 1.0% 1% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Hotels

  1. Marriott Bonvoy Boundless 4.5% 6x
  2. Freedom Flex 1.0% 1% base rate

Lyft

  1. Freedom Flex 2.0% 2%
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Flex $0 and Marriott Bonvoy Boundless $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Marriott Bonvoy Boundless takes everything else, gas and hotels; Freedom Flex takes dining, groceries, drugstores and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Boundless1.5%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
GasMarriott Bonvoy Boundless2.3%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
HotelsMarriott Bonvoy Boundless4.5%
LyftFreedom Flex2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Marriott Bonvoy Boundless — 1.5%
  2. Freedom Flex — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Marriott Bonvoy Boundless — 2.3%

Groceries

  1. Freedom Flex — 5.0%
  2. Marriott Bonvoy Boundless — 2.3%

Gas

  1. Marriott Bonvoy Boundless — 2.3%
  2. Freedom Flex — 1.0%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Marriott Bonvoy Boundless — 1.5%

Hotels

  1. Marriott Bonvoy Boundless — 4.5%
  2. Freedom Flex — 1.0%

Lyft

  1. Freedom Flex — 2.0%
  2. Marriott Bonvoy Boundless — 1.5%
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