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Offers for the Amex EveryDay® Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Rewards® Premier Plus Credit Card, Marriott Bonvoy Premier Credit Card, Marriott Bonvoy™ American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express and Starwood Preferred Guest® American Express Luxury Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
The Marriott Bonvoy Bold® Credit Card is a solid option for casual Marriott travelers who want access to basic perks, complimentary elite status, and a card with no foreign transaction fees. Even better, it's the only no-annual-fee Marriott credit card available to members.
However, the card lacks some basic features that come with other Marriott co-branded cards. Let's break it down so you can decide if this card belongs in your wallet.
- 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
Bonvoy Bold Pros
- $0 annual fee.
- Complimentary Silver Elite status.
- No foreign transaction fees.
Bonvoy Bold Cons
- Earns fewer points on Marriott spending than all other card options.
Bonvoy Bold Welcome Bonus
When you open a Marriott Bonvoy Bold® Credit Card account, you can earn 30,000 Bonus Points after you spend $1,000 on purchases in your first 3 months from your account opening. The good news is that this card has a modest spending requirement that's achievable for many people. The bad news is that the points earned are also on the low side.
However, that doesn't mean sweet spots can't be found. We've found 12 Marriott properties that offer outsized value, with points redemptions starting as low as 5,595 per night.
Wondering what this bonus is worth? Consider that AwardWallet users typically redeem Marriott points at 0.93¢ each, on average.
Bonvoy Bold Benefits
The Bonvoy Bold is not as feature-rich as the other Marriott co-branded cards; however, there are still a few benefits that add value — especially for a card that doesn’t charge an annual fee.
Automatic Silver Elite status
The Marriott Bonvoy Bold comes with 5 elite night credits, which is one-third of what's required for Silver Elite status. However, in recent changes to the card, Marriott made complimentary Silver Elite status a permanent benefit. This status level comes with a 10% points bonus on stays, priority late checkout, free Wi-Fi, and a reservation guarantee.
Plus, the 5 elite night credits available each year give you a small head start toward higher status tiers if you want to work your way up with Marriott Bonvoy®.
No foreign transaction fees
When traveling overseas, it's important to ensure you're not racking up any extra fees by using the wrong card. The Bonvoy Bold doesn't charge foreign transaction fees, so it's a safe bet to use outside of the U.S.
Visa Signature benefits
Cardholders have access to a range of travel and purchase protections courtesy of Visa. These include:
- Baggage delay insurance: This reimburses you for essential purchases — like toiletries and clothing — for baggage delays over six hours, up to $100 a day for five days.
- Lost luggage reimbursement: If you or an immediate family member have luggage that is damaged or lost by the airline, you're covered up to $3,000 per passenger.
- Trip delay coverage: If your airline travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for expenses — such as meals and lodging — up to $500 per ticket.
- Purchase protection: This covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Bonvoy Bold Earning Rates
Cardholders earn points at the following rates:
- 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
If you compare the earning ability to other Marriott co-branded cards, this one falls short. And the fact you'll earn less here than on cards with an annual fee shouldn't be a surprise. But if you only occasionally stay at Marriott and aren't concerned with lower earnings, it's still a decent option.
Redeeming Points With The Bonvoy Bold
Marriott stays
The simplest way to spend your points is by using them to stay at an eligible Marriott Hotel. This is guaranteed to give you the most redemption value. In addition, Marriott offers a fifth night free on award stays, meaning you can stretch your points even further.
To use your points on hotel stays, make sure you check the box for “Use Points/Awards” when searching on Marriott's website.
Want some ideas on how to use your points for good value? Consider these:
- The best budget hotels for using Marriott Bonvoy® points
- The best luxury hotels for using Marriott Bonvoy points
Transfer partners
Marriott is unique among hotel programs in that its points are considered transferrable or flexible. These terms are usually reserved for bank points, but you can transfer Marriott points to 40 airline partners, we also consider Marriott Bonvoy points a transferrable currency. You can transfer points to most airline partners at a 3:1 ratio, up to 240,000 points per day.
Bonvoy Bold Application Restrictions
The terms and conditions for who can get the Bonvoy Bold are quite complicated. First, there's Chase’s 5/24 policy. This infamous policy prevents you from opening a new Chase credit card if you’ve opened five or more new cards in the previous 24 months from any bank, based on what shows on your credit report. Additionally, you're unlikely to be approved for more than two Chase credit cards in a 30-day period.
On top of this, the Bonvoy Bold adds another layer of Marriott-specific restrictions.
In most cases, the application rules don’t restrict you from applying for Marriott cards or holding more than one co-branded card at a time; they apply only to obtaining the welcome offer. We have an entire article dedicated to Marriott's complicated card application rules, but we'll summarize the specific requirements for the Bonvoy Bold below.
This credit card is not available to you if you currently have any of these cards or received a new cardmember bonus on one of these cards in the past 24 months: Marriott Bonvoy Premier Credit Card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® Credit Card, Marriott Rewards® Premier Plus Credit Card, or Marriott Bonvoy Bold® Credit Card.
You cannot get the welcome bonus on this card if you have or had any of these cards in the past 30 days: Marriott Bonvoy™ American Express® Card or The Starwood Preferred Guest® Credit Card from American Express.
You also can't get the welcome bonus if you applied for and were approved for any of the following cards within the last 90 days or received a new cardmember bonus (including an upgrade bonus) on these cards in the past 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, or Marriott Bonvoy Bevy® American Express® Card.
We know this feels quite complicated. However, this card doesn't have enough benefits to make it worth applying for unless you're getting the welcome offer. Thus, we want to help you understand your eligibility.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With The Bonvoy Bold
- Earn 6X Bonvoy points per $1 spent participating Marriott Bonvoy hotels, 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining, and 2X points per $1 on all other purchases
- Earn 3 Marriott Bonvoy® points for every $1 on the first $6,000 spent in combined purchases each year on gas stations, grocery stores, and dining
- Earn 2X Bonvoy points for every $1 spent on all other purchases
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
(This card is not available through AwardWallet)
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x)
- 1x points on other purchases
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- If you're interested in a Marriott card with more perks, look into the Marriott Bonvoy Boundless® Credit Card. The card has a low $95 annual fee and earns 6x points at Marriott Bonvoy properties. It provides 15 elite night credits and automatic Silver Elite status, but another additional benefit is the annual free night award received each year, worth up to 35,000 points. Learn more in our Marriott Boundless review.
- If you want points that you can use with Marriott plus other programs, consider the Chase Sapphire Preferred® Card. It earns transferable Ultimate Rewards points that you can transfer 1:1 to Marriott but also can be used with other hotels — like IHG and Hyatt — plus 10 airline partners or even redeemed in the Chase travel portal. The card also offers an annual $50 hotel spending credit. Our Chase Sapphire Preferred review has additional details.
- If you're ineligible for a Chase card but want points you can use with Marriott, the Amex EveryDay® Credit Card is a good option and has no annual fee. It earns American Express Membership Rewards points that you can transfer 1:1 to Marriott Bonvoy or use with any of Amex's 20 airline and hotel partners. Our Amex EveryDay Card review has more information.
Final Thoughts
If you’re after a Marriott card but don’t want to pay an annual fee, the Bonvoy Bold has you covered. However, it will fill a valuable Chase 5/24 slot and might lock you out of applying for other Marriott cards — at least for a bit. If you're trying to build a balance of Marriott points via spending on your card or you want better perks or an annual free night certificate, you might do better with other cards.
However, if you're happy with the modest perks in exchange for no annual fee, this is a good option.
- 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
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees)
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.
I applied for a Bold and saw something about paying a percentage on purchases that wasn’t part of the APR. Can you explain that? If you pay off your purchases before the next month, you don’t pay interest. But you have already paid like 1.5% or so when you buy something. It was off-putting enough that I canceled my application. Was I misreading something?
Ah, perhaps you were seeing the “My Chase PlanSM Fee”. That’s an opt-in program where you can “Make equal monthly payments on purchases of $100 or more Footnote1(Opens Overlay) — with no interest, just a fixed monthly fee”. And that fee is 1.72%. This is a program that you have to opt into for a particular purchase. You aren’t charged anything otherwise.
Also, thanks for pointing this out. We don’t have a guide to this program on our blog, so we will work on one!
This is a good choice for a no annual fee card. At this time hotel stays are a good choice. Unfortunately, air travel not so much.
It would be helpful to have some estimate of the value of these points. Is 50,000 points worth $500? $50? Something else?
Good question. The value of Marriott Bonvoy points depends on how you use them. You can burn them easily at a fixed rate of 0.4 cents each for flights, cars, cruises, and hotel stays. However, I’ve gotten over 2 cents per point from award stays. Most valuations of Marriott points are either 0.7-0.8 cents per point. So, conservatively, I’d value 50,000 Marriott points at $350.
This is really good for me. I don’t want to pay for Annual Fee with credit card. and it’s also can help me extend my Marriott points expiry.
This is a very worthwhile card. I wonder if they’ll say no because I had the card before it became bonvoy and had cancelled previously.
Data points, anyone, please? Typically, how long does it take to get a response to an application for this card?
Solid card to hold long term!
I have the grandfathered Marriott card (5+ yrs). I still use it…does that disqualify me from applying for this one?
Which card specifically do you have? There are a lot of versions that aren’t open to applications now that grandfathered existing cardmembers. This may help: https://awardwallet.com/credit-cards/marriott-bonvoy/marriott-card-application-rules/
I could qualify for this card but the benefits don’t outweigh this taking up a spot on the Chase 5/24. Thé annual fee cards are more than offset by the free night and higher status.
I recently got denied for the Bold card when pretty much nothing had changed on my credit file…bummer.
Maybe because of COVID19 banks are getting tougher on credit card applications?
I would note that at present (08/2020) there are spending bonuses for certain categories on the other cards that make them more attractive in the short run. Something to consider when deciding which card to get right now.
This is a great promotion. I also see no drawback in signing up since there’s no fee. I don’t have any Marriott cards.
You’d be better off apply for the higher bonus on the Boundless card plus you’d get a free night at the end of your first year. Well worth the $95 annual fee if you are staying at Marriotts.
The no fee card is better for casual use / travelers as the fee card free night certificate is very difficult to use at a place and time you might want. You can only use the 25k certified for hotel rooms at the 25k or less. There is no option to add your regular points with the certificate use. It is amazing how many hotel rooms are priced just above the 25k level so you can’t use the certificate. Bogus deal!!!!
I don’t think you should. it takes up a valueable 5/24 slot
They should drop the confusing rules about not having this card if you that card, etc. Just let everyone get one of each if they want to and keep the elite night cap currently in place. Simple.
I should, I want , I deserve it this but it’s only open for Us citizens. When a global offer. ???? i am a tax payer in Us and am a Marriott lover but it is not possible to apply
For those who hold multiple iterations of Marriott cards, the only worth I see in this, is if it is available as a downgrade to maintain 15 nights toward status, each year.
Hmmm, I don’t know if this is worth it due to my 5/24 status. The bonvoy program has burned me in the past.
How long does it take to know if you are approved for the card?
Usually, decisions are mailed out in a couple of weeks. You can often get a decision faster by calling Chase.
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?
Well, it is a given that Marriott has extensive coverage across North America, the British Isles, continental Europe and Asia Pacific.
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.
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.
5/24 makes this a no-go for us as well. Here’s hoping Chase eases up at some point.
As someone who travels relatively frequently but doesn’t often stay at hotels (partial to Airbnb), would this be a card worth getting?
Josh, you’ll need to have points activity every 24 months (I think) to keep that signup bonus around for when you actually need it.
Wow. I missed that in the fine print. Does that mean, if I get the no-fee card, qualify for the 50KPoints bonus, and then hold onto the points, I risk losing them if I don’t use them within 2 years? Please clarify,
Every time you use the card, you’ll get more points, which will reset the expiration clock. Expiration only happens if you have no activity for 2 years. Options to keep your account active here: https://awardwallet.com/hotels/marriott-bonvoy/do-marriott-points-expire/
I applied and was approved for the Bonvoy bold card. I only have cards with no annual fees. However, the free night every year, makes up for the annual fee. How can I upgrade my Bonvoy bold card to a Bonvoy boundless card.
You can call the number on the back of your Bold card to ask Chase if you have an offer to upgrade. However, you will probably want to sign up for the Boundless card directly so that you can earn the full sign-up bonus.
I don’t want to squander the 5/24 so I will pass on this and look into the other cards
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.
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.
I think that I will go ahead and apply for this card! I would like to start dipping my toes into Marriott points.
Good choice, Marriott points have their niche.
With the 5/24 restriction, I’d be cautious to take this card and apply for card with more benefits.
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.
No fee is tempting, but the bother with Marriot CS, not so much/
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.
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.
Would recommend waiting for a better signup bonus offer on cards requiring an annual fee.
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.
It great that it’s a NO Fee card so I may consider it.
I would rather give my 5/24 slot to a less chaotic program atm.
The main benefit I see is that it’s one of the only no-annual fee cards with no foreign transaction fees.
Not thrilled with Chase so we won’t go with this one.
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.
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.
Great tip on USA-CPH!
It is incredible!
52000 miles from USA to Copenhagen in business I think.
With which airline in order to have these low taxes?
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.
Definitely not worth a 5/24 slot
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!
With the Chase 5/24 rule I will take a pass on this credit card!
I guess I should have waited and not gotten the business card. This one is great for the 15 free nights with no fee.
FYI – There’s a typo in your conclusion: “and you don’t want to wear an annual fee”.
Thanks Kevin!
“Absurdly complex Marriott card application rules” – very well said!
I think I am going to get it.
Need more Marriott points…
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.
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.
Don’t quite qualify for this card yet. But I’m considering switching over to Hyatt.
Annual fees are a big drawback. I like a card with NO annual fee.
Just stayed at the Marriot property Ryse in South Korea…. it was so good I am now seriously considering a Bonvoy CC
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.
With all the restrictions and very little reward, this card doesnt really seem worth the trouble.
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.
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.
I see that it is a card for the big summer vacation travelers.
may be worth it to get this for the 15 elite nights per year!
If you’re close anyway to qualifying!
I’ll stick with my free night cards
Wow! That is certainly a lot of restrictions! I definitely don’t like the extent to which Chase is squeezing us!!
Too many!
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.