Compare Cards: Marriott Bonvoy Bountiful® Credit Card vs. Wyndham Rewards Earner Premier Card vs. Hilton Honors American Express Surpass Card

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Earning Rates	Marriott Bonvoy Bountiful® Credit Card Chase hotel Details	Wyndham Rewards Earner Premier Card Barclays hotelpremiumtravelnew-card Details	Hilton Honors American Express Surpass Card American Express hotelpremiumno-foreign-transaction-fee Details
First-year value Welcome offer + annual credits − annual fee	+$343	+$565	+$700
Annual Fee	$250	$395	$150
Credit Required	Good	Good to Excellent	Good
Foreign Fee	Waived	Waived	Waived
Welcome Offer	85,000 pts 85,000 bonus points after spending $4,000 in first 3 months Spend $4,000 in 3 mo	120,000 pts Earn up to 120,000 Wyndham Rewards points: 90,000 points after spending $6,000 in the first 120 days, plus 30,000 points after spending $750 on Hotels by Wyndham in the first 180 days. Spend $6,000 in 4 mo	130,000 pts Limited-time offer: Earn a Free Night Reward + 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $3,000 in 6 mo
Network	visa	visa	amex
Earning Rates
All Other Purchases	2×	—	—
All other purchases	—	1× Excluding Vacation Club down payments per issuer press release	—
Dining	4×	4× Eligible dining	—
Gas Stations	—	—	6× Earn 6X at U
Gas Stations, Costco, Wholesale Clubs	4× 4x points at gas stations, Costco, and wholesale clubs	—	—
Groceries	—	4× Eligible grocery purchases	—
Grocery Stores	4×	—	—
Hilton Hotels	—	—	12× Earn 12X points at Hilton properties
Hotels by Wyndham	—	8× 8x points on Hotels by Wyndham	—
Marriott Hotels & Resorts	6× 6x points at Marriott hotels	—	—
Other	—	—	3× Earn 3X on all other purchases
Restaurants	—	—	6× Earn 6X at U
Supermarkets	—	—	6× Earn 6X at U
Travel	—	4× Eligible travel including gas, EV charging, air, car rental, rideshare, tolls and trains	—
Benefits & Credits	Annual Credits DoorDash Non-Restaurant Credit - Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc Other Benefits Automatic Gold Elite Status: Marriott Bonvoy Gold Elite status (25% bonus on earned points, complimentary upgrades, late checkout, and more) 15 Elite Night Credits: 15 qualifying nights toward higher Marriott elite status each year Priority Pass Select: Unlimited Priority Pass Select lounge access (2,000+ lounges) Enhanced Reservation Availability: Access to exclusive reservation availability at Marriott properties No Foreign Transaction Fees: Use card internationally without FTF	Other Benefits 25% discount on free night redemptions: Premier card includes a 25% discount on free night redemptions; terms apply Wyndham Rewards Insider membership: Complimentary Wyndham Rewards Insider membership; terms apply Points Payback: Redeem points for statement credit via Points Payback; terms apply Points do not expire: Premier Card adds points that never expire, per Wyndham/Barclays launch announcement	Annual Credits Hilton Quarterly Statement Credit - Up to $50/quarter on Hilton property purchases ($200/year total) Hotel Status Hilton HonorsGold Elite
Insurance	Trip Cancellation Trip Delay Secondary Purchase Protection Extended Warranty	Unknown	Trip Delay Secondary Purchase Protection Extended Warranty