Marriott Bonvoy Bold vs. Hilton Honors American Express Card: Comparing hotel cards with no annual fee

If you stay at a hotel even semi-frequently, a cobranded hotel card can be a great option. These hotel cards have annual fees that range from zero to several hundred dollars. Although cards with annual fees tend to have better earning rates, no-annual-fee options still provide value.
Two big hotel chains,
Marriott
and
Hilton
, each offer a compelling no-annual-fee card worth considering: the
Marriott Bonvoy Bold® Credit Card
(see
rates and fees
) and the
Hilton Honors American Express Card
(see
rates and fees
).
Both cards get you entry-level elite status and have comparable bonus categories to help you earn points with every purchase.
Let’s compare the Marriott Bonvoy Bold to the Hilton Honors Amex and determine which one is best suited for your needs.
Marriott Bonvoy Bold vs. Hilton Honors Amex comparison
Card
Marriott Bonvoy Bold
Hilton Honors Amex
Welcome offer
Earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months of card membership.
Annual fee
$0
$0
Earning rates

• Up to 14 points per dollar spent on eligible Marriott stays: Up to 10 points per dollar for being a Marriott Bonvoy member, 3 points per dollar as a Bonvoy Bold cardholder and up to 1 point per dollar from Marriott Bonvoy Silver Elite Status
• 2 points per dollar spent on groceries, ride-hailing services, select food delivery services and select streaming, internet, cable and phone services
• 1 point per dollar spent on all other purchases

• 7 points per dollar spent on eligible purchases made directly with hotels and resorts within the Hilton portfolio
• 5 points per dollar spent on dining at U.S. restaurants (including takeout and delivery), groceries at U.S. supermarkets and gas at U.S. gas stations
• 3 points per dollar spent on all other purchases

Per-point value (based on TPG’s November 2025 valuations)
0.7
0.5
Benefits

• Automatic Silver Elite status
• 5 elite night credits annually toward the next level of Marriott Bonvoy status
• No foreign transaction fees
• Baggage delay insurance
• Trip delay reimbursement
• Purchase protection
• Lost luggage reimbursement
• Visa Concierge
• Travel Now, Pay Later no-interest payment plans

• Automatic Silver status, with a path to Gold status after spending a certain amount in a calendar year
• No foreign transaction fees (see rates and fees)
• Access to special tickets and presales to events such as live sports, music and theater through Events with Amex
• Extended warranty*
• Purchase protection*
• Car rental insurance**

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
**Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Marriott Bonvoy Bold vs. Hilton Honors Amex welcome offer
New
Marriott Bonvoy Bold
cardholders can earn 30,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
The Bold’s welcome bonus is worth $210, per TPG’s November 2025
valuations
.
THE POINTS GUY
On the other hand, new
Hilton Honors Amex
cardmembers can earn 100,000 bonus points after spending $2,000 on purchases in the first six months of card membership.
According to TPG’s November 2025
valuations
, the Hilton Honors Amex’s welcome bonus is worth $500.
Winner
: Tie. It depends on your preference for Marriott or Hilton properties, although Hilton’s bonus is worth slightly more.
Related:
This month’s best welcome offers
Marriott Bonvoy Bold vs. Hilton Honors Amex benefits
Both cards provide entry-level elite status, which is helpful when getting started with a loyalty program. The
Marriott Bonvoy Bold
provides automatic
Silver Elite status
, which includes basic perks like a 10% bonus on points earned for Marriott stays, priority late checkout (when available) and complimentary Wi-Fi.
The
Hilton Honors Amex’s
complimentary
Silver status
also includes similar entry-level perks, including a 20% point bonus and elite rollover nights. These are useful when trying to maximize
Hilton’s fifth night free
on award stays.
Luckily, both cards also offer a pathway to higher elite status. The Bonvoy Bold gives you five elite night credits annually to help you earn a higher status. The elite night credits earned from this card
can be stacked
with elite night credits earned from the
Marriott Bonvoy Business® American Express® Card
to bring you closer to higher elite status with Marriott.
The Hilton Amex grants cardmembers automatic Gold status through the end of the next calendar year after they spend $20,000 on the card in a calendar year.
For anyone who plans to use either card frequently, this can be a great option to unlock an elite tier that’s much more rewarding. However, you might be sacrificing value by not making those purchases with a card that’s
good for everyday spending
.
BYMURATDENIZ/GETTY IMAGES
Similarly, both cards have
no foreign transaction fees
, so you can use either card when traveling outside the U.S. without incurring fees. Both cards also come with a decent list of travel and purchase protections, with the Marriott Bonvoy Bold taking the lead.
The Bold comes with
baggage delay insurance
, lost luggage reimbursement and
trip delay reimbursement coverage
, along with
purchase protection
. These are impressive benefits compared to the Hilton Honors Amex, which only provides
purchase protection
*,
extended warranties
* and
car rental insurance
.**
That’s especially true when considering that no-annual-fee cards typically don’t come with extensive travel protections.
*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
**Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Winner
: Marriott Bonvoy Bold. It has more travel protections and an easier path to higher elite status without a minimum spending requirement.
Earning points with the Marriott Bonvoy Bold vs. Hilton Honors Amex
With the
Marriott Bonvoy Bold
and being an Elite member, you can earn more points on Marriott stays. This increases the earning potential for Marriott purchases to 14 points per dollar spent when using the Bonvoy Bold.
ORBON ALIJA/GETTY IMAGES
Meanwhile, the
Hilton Honors Amex
earns 7 points per dollar spent on eligible purchases made directly with Hilton portfolio properties. This includes paying for the room and on-site spending at U.S. restaurants and spas.
Like the Bonvoy Bold, the Hilton Honors Amex earns more than just the base points with Hilton purchases. Thanks to their complimentary Hilton Honors Silver status, cardmembers also earn an additional 12 points per dollar spent, for a total of 19 points per dollar spent (a 9.5% return on spending, according to November 2025
valuations
).
The Hilton Honors beats the Marriott Bonvoy Bold on non-hotel spending as you earn 5 points per dollar spent at U.S. restaurants (including takeout and delivery), U.S. supermarkets and U.S. gas stations and 3 points per dollar spent everywhere else.
Despite Hilton Honors points being valued slightly less than Bonvoy points, the card offers more opportunities to earn points. However, we don’t recommend using a hotel credit card for nonbonus spending unless you’re trying to earn elite status or a welcome bonus.
Winner
: Hilton Honors Amex. It comes with better earning rates in popular spending categories.
Related:
The best no-annual-fee hotel credit cards
Redeeming points with the Marriott Bonvoy Bold vs. Hilton Honors Amex
As a
Marriott Bonvoy Bold
cardholder, you can, of course, redeem points for Marriott stays. Or, you can
transfer them to a long list of airline partners
. However, using your points for free nights at Marriott hotels typically offers the best value.
Marriott has a dynamic pricing model for its redemptions, which means rates fluctuate based on various factors, including cash rates. To stretch your points further, you can maximize the
Marriott Cash + Points rate
, which allows you to split the cost between points and cash. If you’re short on points, this can help you cover your entire stay.
Best of all, Marriott also provides a free night benefit on award bookings. When redeeming points for a stay of five consecutive nights, you’ll be eligible for the
“Stay for 5, Pay for 4” benefit,
which gives members the lowest-cost award night for free.
CARLY HELFAND/THE POINTS GUY
TPG credit cards writer
Chris Nelson
recently got great value redeeming 136,000 Bonvoy points for a seven-night stay at the AC Hotel Cape Town Waterfront and used the fifth-night-free perk to get one night free, which would have cost over $2,000 for the total stay.
Hilton Honors redemptions are quite similar to Marriott Bonvoy’s, since award nights are also dynamically priced.
The Hilton Honors program also offers a fifth free night on award stays to elite members, so it’s best to research different dates for your preferred property to maximize the value of your hard-earned points. Unlike Marriott Bonvoy, Hilton Honors has a nifty tool,
Points Explorer
, to help you find award prices based on location or types of vacations you’re interested in.
TPG credit cards writer
Augusta Stone
recently redeemed 130,000 Hilton Honors points for a two-night stay at Canopy by Hilton London City. This is a great redemption as the property is within walking distance of the Tower Bridge.
As a rule of thumb, make sure to calculate how many points you’ll need for a stay to help determine if redeeming points is worth it versus paying cash. I’ve amassed nearly 800,000 Bonvoy points and am contemplating redeeming them for a stay in the super pricey Maldives or transferring my points to an airline to redeem for premium-cabin airfare.
Related:
The credit cards that help fuel my luxury travel
Winner
: Marriott Bonvoy Bold. Marriott has more properties in total, so it should be easier to find redemptions for your points.
Should I get the Marriott Bonvoy Bold or Hilton Honors Amex?
The
Marriott Bonvoy Bold
and
Hilton Honors Amex
are entry-level cobranded hotel cards that offer decent value for being no-annual-fee credit cards. If you’re not after top-tier elite status and are looking for just the basics or are just starting out with a hotel credit card, you can’t go wrong with either option. The choice comes down to which brand you prefer and whether either card’s limited perks will be of use to you.
Related:
How to choose a hotel credit card
Bottom line
The
Marriott Bonvoy Bold Credit Card
and
Hilton Honors American Express Card
can jump-start you on a path to higher elite status. And it’s nice that both cards offer some travel protections.
Frequent travelers may find it worthwhile to consider adding a cobranded card with a higher annual fee to their wallet for access to more benefits.
As a frequent traveler, I do not have a cobranded hotel card. However, I do have the
American Express Platinum Card®
, which provides me with
Gold elite status
with both Marriott and Hilton and makes the card worth it (enrollment required). This could be a card worth considering if you want elite status with both brands and
premium travel perks
. However, these cards are a solid choice to start your loyalty journey with either program.
To learn more, read our full reviews of the
Marriott Bonvoy Bold
and the
Hilton Honors Amex
.
Apply here:
Marriott Bonvoy Bold
Apply here:
Hilton Honors Amex
For rates and fees of the Hilton Honors Amex, please click
here
.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.