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Chase Marriott Bonvoy Boundless vs Sapphire Reserve for Business

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. Sapphire Reserve for Business 2.1% 1x base rate
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Dining

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Groceries

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Gas

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Sapphire Reserve for Business 2.1% 1x base rate

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel 16.4% 8x

Advertising

  1. Sapphire Reserve for Business 6.2% 3x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Flights

  1. Sapphire Reserve for Business 8.2% 4x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

Hotels

  1. Sapphire Reserve for Business 8.2% 4x
  2. Marriott Bonvoy Boundless 4.5% 6x

Lyft

  1. Sapphire Reserve for Business 10.3% 5x
  2. Marriott Bonvoy Boundless 1.5% 2x base rate

What the numbers are doing

Sapphire Reserve for Business tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Marriott Bonvoy Boundless wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Marriott Bonvoy Boundless $95 and Sapphire Reserve for Business $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve for Business takes everything else, advertising, flights and hotels, plus 1 more; Marriott Bonvoy Boundless takes dining, groceries and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve for Business2.1%
DiningMarriott Bonvoy Boundless2.3%
GroceriesMarriott Bonvoy Boundless2.3%
GasMarriott Bonvoy Boundless2.3%
Travel · portalSapphire Reserve for Business · Chase Travel16.4%
AdvertisingSapphire Reserve for Business6.2%
FlightsSapphire Reserve for Business8.2%
HotelsSapphire Reserve for Business8.2%
LyftSapphire Reserve for Business10.3%

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. Sapphire Reserve for Business — 2.1%
  2. Marriott Bonvoy Boundless — 1.5%

Dining

  1. Marriott Bonvoy Boundless — 2.3%
  2. Sapphire Reserve for Business — 2.1%

Groceries

  1. Marriott Bonvoy Boundless — 2.3%
  2. Sapphire Reserve for Business — 2.1%

Gas

  1. Marriott Bonvoy Boundless — 2.3%
  2. Sapphire Reserve for Business — 2.1%

Travel · portal

  1. Sapphire Reserve for Business · Chase Travel — 16.4%

Advertising

  1. Sapphire Reserve for Business — 6.2%
  2. Marriott Bonvoy Boundless — 1.5%

Flights

  1. Sapphire Reserve for Business — 8.2%
  2. Marriott Bonvoy Boundless — 1.5%

Hotels

  1. Sapphire Reserve for Business — 8.2%
  2. Marriott Bonvoy Boundless — 4.5%

Lyft

  1. Sapphire Reserve for Business — 10.3%
  2. Marriott Bonvoy Boundless — 1.5%
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