Should You Get the No Annual Fee Marriott Bonvoy Bold Card?

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Offers for the Marriott Bonvoy Business™ American Express® Card, Marriott Bonvoy Brilliant™ American Express® Card, The Ritz-Carlton™ Credit Card, Marriott Rewards® Premier Plus Credit Card and Marriott Bonvoy™ American Express® Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.

Chase has unveiled its latest co-brand rewards card, the no-annual-fee Marriott Bonvoy Bold™ Credit Card. Sporting a 30,000 points signup bonus, complimentary Silver Elite status, and no foreign transaction fees, the long-awaited second Marriott card from Chase completes Marriott’s lineup of co-brand cards and becomes the only no-annual-fee Marriott credit card available to members.

In this post, we'll share how the card stacks up against other options and (attempt to) clarify the complicated rules that determine who is eligible for the current offer.

Marriott Bonvoy Bold™ Credit Card
Marriott Bonvoy Bold™ Credit Card
Annual Fee$0
Welcome Bonus Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Marriott Bonvoy Bold™ Credit Card from CHASE® with no annual fee!
  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Earn 3X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1X point for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
  • 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
  • 2X points on other travel purchases (from airfare to taxis and trains)
  • 1X point on all other purchases

The Bonvoy Bold is not as feature-rich as its Marriott co-brand stablemates, but, for a card that doesn’t charge an annual fee, there are still a few benefits that add value.

You’ll also have access to a range of travel and purchase protections courtesy of Visa, including baggage delay insurance, lost luggage reimbursement, and trip delay coverage that kicks in after delays of 12 or more hours or an overnight stay.

Where Does The Bonvoy Bold Card Fit in Marriott’s Card Lineup?

The Bonvoy Bold joins three existing Marriott co-brand cards issued by Chase and Amex:

As the only no-annual-fee Marriott card, the Bonvoy Bold sits at the bottom of the ladder both in benefits offered, and in number of points earned:

  • 3X points at Marriott
  • 2X points on travel
  • 1X points on all other purchases

As a comparison, the other Marriott cards still open to applications earn a minimum 2X points per dollar on non-bonus spending and 6X points per dollar spent at Marriott properties. Plus, the two American Express-issued cards feature additional bonus categories. The Marriott cards are not cards you would put a lot of spend on, as there are plenty of travel rewards cards providing a higher return on bonus categories and better cards for non-bonus spending.

Bonvoy Bold Card Application Restrictions

In addition to Chase’s 5/24 policy, which prevents you from acquiring a Chase credit card if you’ve opened five or more new credit cards in the previous 24 months, the new Bonvoy Bold adds another layer of confusion to the already absurdly complex Marriott card application rules.

Chase splits these rules into two sections; who can get the card, and who can get the bonus. The rules for receiving the signup bonus are more restrictive than for qualifying for the card. It's possible you could get the Bonvoy Bold without the bonus, but the card doesn't offer enough value to justify applying if you don't qualify for the signup bonus.

Essentially, if you qualify for the bonus, you qualify for the card.

We've summarized the Marriott card application rules for receiving the bonus into a more digestible format below, making it easier to determine if you qualify for the welcome offer on the new Bonvoy Bold. The other cards in the Marriott family fall into one of three categories:

Cards That Don't Matter

These are cards that don't have any impact on your eligibility for the Bonvoy Bold card at all. All of these cards are issued by Chase and are no longer open to new applicants. It does not matter if you have these cards now or had them in the past.

  • The Ritz-Carlton™ Credit Card
  • Marriott Bonvoy™ Credit Card ($45-annual-fee version)
  • Marriott Bonvoy™ Business Credit Card ($45-annual-fee version)
  • Marriott Bonvoy™ Premier Business Credit Card ($99 annual fee)

Cards You Can Have Currently (Wait 90 days after acquiring these cards, plus at least 24 months from the last signup or upgrade bonus)

  • Marriott Bonvoy Business™ American Express® Card (Formerly SPG Amex Business card)
  • Marriott Bonvoy Brilliant™ American Express® Card (Formerly SPG Amex Luxury card)

Cards You Cannot Have Currently

If you have any of these cards open, you won't be eligible for the new Bonvoy Bold card. We've noted the amount of time you need to wait after closing the card or after you received a welcome or upgrade bonus on the card.

  • Marriott Bonvoy™ Premier Credit Card (Formerly the Marriott Premier Card) – Wait two years after last bonus
  • Marriott Rewards® Premier Plus Credit Card (Formerly the Marriott Premier Plus Card) – Wait two years after last bonus
  • Marriott Bonvoy™ American Express® Card (Formerly the SPG Amex personal card) – Wait 30 days after closing your account with Amex

If you’re struggling to make sense of the application restrictions for Marriott cards, we’ve put together an easy-to-understand guide to walk you through different application strategies for Marriott co-brand cards and how they might affect both the card you apply for and the timing of your application.

Final Thoughts

If you’re chasing a Marriott card for the 15 elite night credits, and you don’t want to pay an annual fee, the Bonvoy Bold has you covered. If you're going to build a balance of Marriott points via spending on your card, or you want better perks such as Gold Elite status or an annual free night certificate, you will get better value from either of the mid-tier Marriott cards or the Marriott Bonvoy Brilliant Card.

Considering it would take a Chase 5/24 slot AND lock you out of applying for other Marriott cards, this card probably isn't a good choice for most. The major exception would be folks that simply don't want a card with an annual fee. If the 15-elite-night credits would make a difference for you, the Bonvoy Bold could be the right pick.

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The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  • Although I value Marriott points for their flexibility, I would not jeopardize my Chase 5/24 status with this one. But thanks for the insightful review.

  • Wow! That is certainly a lot of restrictions! I definitely don’t like the extent to which Chase is squeezing us!!

  • I’ll stick with my free night cards

  • may be worth it to get this for the 15 elite nights per year!

  • I see that it is a card for the big summer vacation travelers.

  • I have applied for the card and gotten it. For me it’s a good dip into the waters of Marriott earning. Other Marriott cards might be good later if I can see that Marriott will be worth it to earn and redeem points with. I’ve heard that some people are having issues redeeming points or if they have had issues once they were at the property.

    I have seen this with other hotel companies too.

    • FWIW, I’ve never had an issue redeeming Hilton points, and there properties where we’ve stayed on points have been nothing but helpful on the extremely rare a question or concern has arisen.

    • lenin1991 says:

      I think this is a good way to look at it. I’m not huge into hotel points or confident I’ll fully utilize free nights, so a good bonus and some fringe benefits with no fee might be a reasonable start.

  • With all the restrictions and very little reward, this card doesnt really seem worth the trouble.

  • It’s another card for the toolbox, but obviously timing on when you buy that tool is what matters. For me, it’s not right now.

  • Just stayed at the Marriot property Ryse in South Korea…. it was so good I am now seriously considering a Bonvoy CC

  • Steven William Van Meter says:

    Annual fees are a big drawback. I like a card with NO annual fee.

  • Don’t quite qualify for this card yet. But I’m considering switching over to Hyatt.

  • Thanks for the post. I for one am tempted to add this card in lieu of the Chase Marriott Business card. I got it last June, so only 12 months, and I’m guessing that would invalidate the bonus. Does anyone have any thoughts on this?

    • I think you’re correct that it is too soon. The T&C are worded “from the time you earned the bonus” —which for many will be closer to 90 days after they opened the card.

  • I’m still unsure if I will pick up this card. I think that it may be a good first step to earning Marriott points, but I want to hit the minimum spend that I’m working on currently first.

  • I think I am going to get it.
    Need more Marriott points…

  • “Absurdly complex Marriott card application rules” – very well said!

  • FYI – There’s a typo in your conclusion: “and you don’t want to wear an annual fee”.

  • I guess I should have waited and not gotten the business card. This one is great for the 15 free nights with no fee.

  • With the Chase 5/24 rule I will take a pass on this credit card!

  • Not the card for me for sure but always love no annual fee cards with significant signup bonuses. The bottom line is that annual fees make a lot of casual observers (including many of my friends and family) shy away from this hobby. Sometimes a card like this gives them a taste of the possibilities and expands their horizons — and that’s good!

  • Definitely not worth a 5/24 slot

  • B1BomberVB says:

    They sure do love alliteration! It catches my attention because I got the nickname “Double-B” years ago because of my ambition to someday reach the “BB” skill level of volleyball–but I never made it.
    Seriously, I’m either sticking with my Premier Plus ( = Bonvoy Boundless) Visa or switching to the Hyatt Visa.

  • The Arts Traveler says:

    A good offer, but I am passing on it at this time. I used Marriott to transfer to Lufthansa and there is now and issue with that. Who knows what the next issue will be? BTW using Miles and More from the USA to CPH is only 52,000 miles plus $5.60. A great deal rarely discussed on here or anywhere.

  • Elizabeth says:

    Chase has changed the strategy of applying for their cards with 5/24. One has to pick the best for them. They have a lot of no fee cards already that become more rewarding with one premium card to transfer to.

  • Not thrilled with Chase so we won’t go with this one.

  • The main benefit I see is that it’s one of the only no-annual fee cards with no foreign transaction fees.

  • I would rather give my 5/24 slot to a less chaotic program atm.

  • It great that it’s a NO Fee card so I may consider it.

  • Goodness. “It’s possible you could get the Bonvoy Bold without the bonus, but the card doesn’t offer enough value to justify applying if you don’t qualify for the signup bonus.” And, thus the application strategy is needed. Certainly don’t want to risk the time, without being certain of securing the bonus. Goodness.

  • Would recommend waiting for a better signup bonus offer on cards requiring an annual fee.

  • charles j says:

    If you’re under the 5/24 and can get it, I see no reason to get closer or over the 5/24 for this.

  • I rarely use my SPG card, or I guess its a Marriott now. Ive been considering closing it now that ive used my free night. This would be great if I can qualify since then I could use it here in Canada – I want one with no transaction fees for other travel also. Hummm I should give them a call, just in case.

  • No fee is tempting, but the bother with Marriot CS, not so much/

  • Too complicated rules. customers do not have the patience to look into this BS. Hope someone at Chase is looking at these comments.
    If you want a high valued customer, make things simpler and not complex.

  • With the 5/24 restriction, I’d be cautious to take this card and apply for card with more benefits.

  • I think that I will go ahead and apply for this card! I would like to start dipping my toes into Marriott points.

  • Need some Marriott points to book a 5 night award stay (& get that 5th night free) but don’t want another AF. Considering this as a backup overseas card that keeps my points active, just not sure I want to use my 5/24 on it.

  • It has its place in a card lineup but more relevant is the timing and order in securing other cards and the points you need/use most.

  • I don’t want to squander the 5/24 so I will pass on this and look into the other cards

  • Josh Kann says:

    As someone who travels relatively frequently but doesn’t often stay at hotels (partial to Airbnb), would this be a card worth getting?

  • 5/24 makes this a no-go for us as well. Here’s hoping Chase eases up at some point.

  • Is 50K Marriott points for $2K spend the best (or close to the best) offer historically for this card? Thanks.

    • This card only launched earlier this year, and the bonus has been at 50K since the launch. So yes an all-time best, but with a limited history. If I were to guess, I’d expect this offer will end up being a relative high.

  • George Peterson says:

    So if I have gold and am at 25 nights, will I be awarded another 15, putting me at 40?

    • As long as you haven’t already received a 15 night bonus from another card. The co-brand cards get you 15 nights total, regardless of how many co-brand cards you have (i.e. you can’t stack the 15 night bonuses—although that used to be possible so watch out for outdated info.) If your 25 nights are from actual stays, you’re good to go.

  • Hotel brands can change from region to region, so is it wise to buy in to a chain-specific rewards program and get locked in with only that option no matter where you go?

  • How long does it take to know if you are approved for the card?

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