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Offers for the Amex EveryDay® Credit Card, Marriott Bonvoy™ American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Rewards® Premier Plus Credit Card and Marriott Bonvoy Premier Credit 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 (Rates & Fees) 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.
- Earn 60,000 Bonus Points after qualifying purchases.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
- Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
- Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Member FDIC
- 3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
- 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
- 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.
- No free night award.
Bonvoy Bold Welcome Bonus
When you open a Marriott Bonvoy Bold® Credit Card account, you can earn 60,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card! 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 10 Marriott properties that offer outsized value, with points redemptions starting as low as 7,000 per night.
Wondering what this bonus is worth? AwardWallet users typically redeem Marriott points at 1.12¢ each, on average. That equates to around $670 from this welcome offer.
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 half 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®.
Related: Marriott Elite Status Made Easy: Earn up to 40 Elite Night Credits With Credit Cards
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.
Related: 8 Tips for Saving Money While Traveling Internationally
DoorDash DashPass benefit
The Bonvoy Bold also currently offers one year of complimentary DashPass for DoorDash and Caviar when activated by December 31, 2027. DashPass members can also get up to $10 off quarterly on eligible non-restaurant DoorDash orders through December 31, 2027.
Chase Pay Over Time
Eligible cardmembers also may have access to Chase Pay Over Time for qualifying travel purchases of $100–$5,000 made directly with airlines or at hotels participating in Marriott Bonvoy. Chase boasts that these plans may have no interest and no plan fees. But we still recommend paying your balance in full to avoid paying interest.
Travel and purchase protections
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 has 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 by 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 hotels participating in Marriott Bonvoy®
- 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
- 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 that 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
Hotel stays are usually the best way to get strong value from Marriott Bonvoy points, especially when you can take advantage of Marriott’s fifth-night-free benefit on award stays.
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:
Transfer partners
Marriott is unique among hotel programs in that its points are considered transferable or flexible. These terms are usually reserved for bank points, but since you can transfer Marriott points to 40 airline partners, we also consider Marriott Bonvoy points a transferable currency. You can transfer points to most airline partners at a 3:1 ratio, up to 240,000 points per day. You can also get a 5,000-mile bonus when transferring at least 60,000 Marriott Bonvoy points to most airlines, netting you a total of 25,000 miles
Pay Yourself Back
Cardholders also can use Pay Yourself Back to redeem Marriott Bonvoy points for statement credits toward qualifying travel purchases made directly with airlines or hotels participating in Marriott Bonvoy, up to $750 in total redemptions per year. This adds flexibility, though hotel award stays will often provide better value.
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 here are the specific requirements for the Bonvoy Bold below.
This credit card is not available to you if: (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.
The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 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, Marriott Bonvoy Bevy™ American Express® Card.
As you can see, holding or recently opening other Marriott cards issued by Chase or American Express may affect your eligibility for the Marriott Bonvoy Bold® Credit Card, so read the terms carefully. 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
- 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 over 7,000 Marriott Bonvoy®-participating hotels. It provides 15 elite night credits and automatic Silver Elite status, plus an 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 $100 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.
$95Rates & Fees
- 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
- 3X points for every $1 spent on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining
- 2X points on all other eligible purchases
$95Rates & Fees
- 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 gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 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)
$0
- 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.
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.
- Earn 60,000 Bonus Points after qualifying purchases.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
- Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
- Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Member FDIC
- 3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
- 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
- 1X point on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Marriott Bonvoy Bold® Credit Card (Rates & Fees), Marriott Bonvoy Boundless® Credit Card (Rates & Fees), and Chase Sapphire Preferred® Card (Rates & Fees)
