Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Marriott Bonvoy Bold Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Reserve have that the Marriott Bonvoy Bold Credit Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Reserve or the Marriott Bonvoy Bold Credit Card?

Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Marriott Bonvoy Bold Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Reserve have that the Marriott Bonvoy Bold Credit Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Reserve or the Marriott Bonvoy Bold Credit Card?

Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Reserve worth the higher annual fee?

The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Chase Sapphire Reserve or Marriott Bonvoy Bold Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Sapphire Reserve have that the Marriott Bonvoy Bold Credit Card doesn't?

The Chase Sapphire Reserve offers lounge access, travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.

Should I get the Chase Sapphire Reserve or the Marriott Bonvoy Bold Credit Card?

Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Chase Sapphire Reserve vs Marriott Bonvoy Bold Credit Card

The Marriott Bonvoy Bold Credit Card ($0/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Chase Sapphire Reserve

Chase

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

125,000 Flex point

2 Hotel

Earn Rates

Category	Chase Sapphire Reserve	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X

Category-by-Category Winner

The Marriott Bonvoy Bold Credit Card wins in 5 of 8 categories. The Chase Sapphire Reserve leads in 3.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 1X

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Reserve costs $795/yr — that's $795 more than the Marriott Bonvoy Bold Credit Card (no annual fee). To justify that gap, you need to extract at least $795 in annual value from the card's higher earn rates and benefits.

The Bottom Line

The Marriott Bonvoy Bold Credit Card has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Marriott Bonvoy Bold Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Marriott Bonvoy Bold Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Reserve have that the Marriott Bonvoy Bold Credit Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Marriott Bonvoy Bold Credit Card?: Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Marriott Bonvoy Bold Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Bank Of America Customized Cash vs Marriott Bonvoy Bold

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Sapphire Reserve vs Marriott Bonvoy Bold Credit Card

Chase Sapphire Reserve

Chase

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

125,000 Flex point

2 Hotel

Earn Rates

Category	Chase Sapphire Reserve	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X

Category-by-Category Winner

The Marriott Bonvoy Bold Credit Card wins in 5 of 8 categories. The Chase Sapphire Reserve leads in 3.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 1X

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Marriott Bonvoy Bold Credit Card has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Marriott Bonvoy Bold Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Marriott Bonvoy Bold Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Reserve have that the Marriott Bonvoy Bold Credit Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Marriott Bonvoy Bold Credit Card?: Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Marriott Bonvoy Bold Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Bank Of America Customized Cash vs Marriott Bonvoy Bold

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Chase Sapphire Reserve vs Marriott Bonvoy Bold Credit Card

Chase Sapphire Reserve

Chase

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$795

Welcome Bonus

125,000 Flex point

2 Hotel

Earn Rates

Category	Chase Sapphire Reserve	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X

Category-by-Category Winner

The Marriott Bonvoy Bold Credit Card wins in 5 of 8 categories. The Chase Sapphire Reserve leads in 3.

Hotels

Chase Sapphire Reserve earns 4X vs 1X

Flights

Chase Sapphire Reserve earns 4X vs 1X

Dining

Chase Sapphire Reserve earns 3X vs 1X

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Marriott Bonvoy Bold Credit Card has a lower annual fee ($0 vs $795), making it the more accessible option.

The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Marriott Bonvoy Bold Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Reserve worth the higher annual fee?: The Chase Sapphire Reserve costs $795/yr vs $0/yr for the Marriott Bonvoy Bold Credit Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Chase Sapphire Reserve or Marriott Bonvoy Bold Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Sapphire Reserve have that the Marriott Bonvoy Bold Credit Card doesn't?: The Chase Sapphire Reserve offers lounge access, travel credits. The Marriott Bonvoy Bold Credit Card focuses more on earn rates than premium perks.
Should I get the Chase Sapphire Reserve or the Marriott Bonvoy Bold Credit Card?: Choose the Marriott Bonvoy Bold Credit Card if you want lower fees and solid rewards. Pick the Chase Sapphire Reserve if you spend enough to justify the $795/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Marriott Bonvoy Bold Amex Gold vs Chase Sapphire Reserve Amex Platinum vs Chase Sapphire Reserve Bank Of America Customized Cash vs Marriott Bonvoy Bold

Explore More

Chase Sapphire Reserve — Full Review All Chase Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

−Only Silver Elite status (Gold and Platinum provide much better benefits)
−Low 1x earning on non-bonus purchases
−Only 5 Elite Night Credits vs 15-25 on premium cards
−No free night award benefit
−No lounge access or premium travel perks

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

−Only Silver Elite status (Gold and Platinum provide much better benefits)
−Low 1x earning on non-bonus purchases
−Only 5 Elite Night Credits vs 15-25 on premium cards
−No free night award benefit
−No lounge access or premium travel perks

Pros & Cons

Pros

+$1,650 in annual credits more than covers $795 fee
+Priority Pass Select with 2 guests included
+Exclusive Chase Sapphire Lounge access
+Primary rental car coverage saves $15-30/day
+Points worth 50% more through Chase Travel

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−$795 annual fee is substantial commitment
−5/24 rule restricts applicants with recent cards
−Credits require specific spending patterns to use
−$195 authorized user fee with no free users
−No 0% intro APR offer

−Only Silver Elite status (Gold and Platinum provide much better benefits)
−Low 1x earning on non-bonus purchases
−Only 5 Elite Night Credits vs 15-25 on premium cards
−No free night award benefit
−No lounge access or premium travel perks

Chase Sapphire Reserve vs Marriott Bonvoy Bold Credit Card

Chase Sapphire Reserve

Marriott Bonvoy Bold Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Reserve vs Marriott Bonvoy Bold Credit Card

Chase Sapphire Reserve

Marriott Bonvoy Bold Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Chase Sapphire Reserve vs Marriott Bonvoy Bold Credit Card

Chase Sapphire Reserve

Marriott Bonvoy Bold Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?