Marriott Bonvoy Bold Credit Card
$0 Annual Fee, Up to 14X Hotel Points, 45,000 Bonus Points to Start
The Marriott Bonvoy Bold charges $0 in annual fees and earns up to 14X total points at 7,000+ Marriott properties. Start with 45,000 bonus points after $1,000 in purchases in the first 3 months, maintain Silver Elite status automatically, and earn 2X on groceries, streaming, rideshare, and food delivery. A risk-free entry into the Marriott Bonvoy loyalty program.
- Annual Fee
- $0
- points · Welcome Bonus
- 45,000
- Highest rate (conditional)
- Up to 3X (Marriott)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Marriott Bonvoy
- Point Valuation
- 0.6–0.75 cpp (mid: 0.7)
- Credit Required
- Good to Excellent
Welcome Offer
45,000
points
$1,000
Spend Required
3 months
Time Period
After spending $1,000 on eligible purchases within 3 months of account opening, earn 45,000 bonus Marriott Bonvoy points. Redeem them toward free nights across Marriott's participating hotels.
Earning Rates
- 3X
Marriott
3X card-earned points per $1 on qualifying purchases at participating Marriott Bonvoy hotels; excludes separate Marriott membership and elite-status points.
- 2X
Grocery Stores
2X points at grocery stores
- 2X
Streaming
2X points on select streaming services, internet, cable, and phone services
- 2X
Telecom
2X points on select streaming services, internet, cable, and phone services
- 2X
Cable Tv
2X points on select streaming services, internet, cable, and phone services
- 2X
Ridesharing
2X points on rideshare (taxicabs and limousines)
- 2X
Food Delivery
2X points on select food delivery (DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless, Delivery.com)
- 1X
All Other
1X point per $1 on all other purchases
Earning Scenarios
Up to 14X Total Points at Marriott Hotels
A $200/night stay earns 600 card points (3X) + 2,000 base member points + 200 Silver bonus = 2,800 total points per night.
2X Points on Groceries
$500/month groceries = 1,000 points/month = 12,000 points/year toward free nights.
2X Points on Streaming, Internet, Cable & Phone
$150/month in streaming + internet + phone = 300 points/month = 3,600 points/year.
2X Points on Rideshare & Food Delivery
$200/month in Uber + DoorDash = 400 points/month = 4,800 points/year.
1X Points on All Other Purchases
$2,000/month other spending = 2,000 points/month = 24,000 points/year.
Benefits & Perks
Travel Benefits
3 perksElite Status
Concierge
Annual Credits & Statement Credits
1 creditsDoorDash DashPass
Complimentary DoorDash DashPass membership for 1 year, plus $10 quarterly discount on non-restaurant orders
—
Annual
Elite Status & Memberships
Fast track to top-tier perks
Automatic Marriott Bonvoy Silver Elite Status
Enjoy Silver Elite status with 10% bonus points, priority late checkout, and complimentary Wi-Fi
5 Elite Night Credits annually
Receive 5 elite night credits each year to help advance toward higher elite status
Insurance & Protections
8 protections24/7 worldwide travel and emergency assistance
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Auto rental coverage up to $60,000
$60,000
secondary
Get up to $60,000 of coverage for collision damage, theft, and loss-of-use when renting a car (secondary in the U.S., primary abroad).
Up to $3,000 lost luggage coverage per trip
$3,000
secondary
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
$500 trip delay reimbursement
$500
secondary
Up to $500 per covered traveler for meals and lodging when trip is delayed 12+ hours or requires an overnight stay.
Up to $100 a day for baggage delays over 6 hours
$500
secondary
Up to $100 a day for up to 5 days for essentials like clothing and toiletries when checked baggage is delayed over 6 hours.
Show all 8 protectionsShow fewer protections
24/7 roadside dispatch assistance (pay-per-use)
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Purchase protection for new items
$500
primary
Coverage for accidental damage or theft on eligible purchases for 120 days, up to $500 per item
Extended warranty protection for eligible purchases
$1
Adds one year of warranty coverage to items with 3 years or less of manufacturer warranty
Program & Transfers
Marriott Bonvoy
The world's largest hotel loyalty program
Marriott Bonvoy is the largest hotel loyalty program in the world, combining the former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs. With over 8,500 properties across 30 brands in 139 countries, Bonvoy offers unmatched flexibility for both budget-conscious and luxury travelers. Members earn 10 points per dollar spent at most Marriott brands, with higher earning rates for elite members. Points can be redeemed for free night awards starting at 5,000 points, transferred to 40+ airline partners, or used for unique experiences through Marriott Bonvoy Moments. The program's six elite tiers (Member, Silver, Gold, Platinum, Titanium, and Ambassador) offer escalating benefits including room upgrades, late checkout, lounge access, and bonus points. Elite status can be earned through paid nights or granted automatically through co-branded credit cards.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Fifth Night Free on Award Stays | 0 | — | — |
| Homes & Villas by Marriott Bonvoy | 10,000 | — | — |
| St. Regis Maldives Vommuli Resort | 85,000 | — | — |
| JW Marriott Masai Mara Lodge (All-Inclusive Safari) | 60,000 | — | — |
| Protea Hotels in South Africa | 5,000 | — | — |
| Marriott All-Inclusive Resorts (Mexico & Caribbean) | 40,000 | — | — |
| Category 1-3 Properties Off-Peak | 5,000 | — | — |
| The Ritz-Carlton Reserve Dorado Beach | 100,000 | — | — |
| Airline Transfer with 60k Bonus (United) | 60,000 | — | — |
| Marriott Bonvoy Moments Experiences | 1 | — | — |
| W Hotels for Weekend Getaways | 25,000 | — | — |
| Courtyard/Fairfield Near Theme Parks | 15,000 | — | — |
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesCategory Rankings (2 categories)
How It Compares
The Bold is Marriott's only $0-annual-fee personal card. It delivers the core Marriott experience — Silver Elite status, elite night credits, and accelerated hotel earning — without any annual commitment. Ideal for occasional Marriott guests who want to earn points on everyday spending.
Pros and Cons
Pros
- +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)
- +3X card points at participating Marriott hotels; up to 14X combined with eligible Bonvoy membership and Silver Elite earnings
- +Visa Signature benefits including concierge service
- +Trip delay and lost luggage insurance included
- +Good entry point into the Marriott ecosystem
Cons
- -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
- -Silver status benefits are minimal compared to higher tiers
- -Cannot product change to Amex Marriott cards
Who It's Best For
Best For
- Occasional Marriott guests who want to earn points without paying an annual fee
- Budget travelers seeking a no-fee way to maintain Silver Elite status
- Those new to Marriott Bonvoy who want to try the program before committing to premium cards
- Cardholders who want everyday earning in groceries, streaming, rideshare, and food delivery
- Travelers who want no foreign transaction fees on a no-annual-fee card
Not Ideal For
- Frequent Marriott travelers who would benefit more from Gold or Platinum status cards
- Those seeking premium travel benefits like lounge access or travel insurance
- High spenders looking to maximize hotel points earning
- Travelers who want a free night award benefit
- Those who prioritize transferable points over hotel-locked currency
The Math: Is $0 Worth It?
First-year value includes $315.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Bonvoy 1/24 | You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 19.49%–27.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
How much are Marriott Bonvoy points worth?
TPG and NerdWallet value Marriott Bonvoy points at 0.7-0.8 cents per point on average. However, with dynamic pricing, actual value can range from 0.4 cpp (gift cards) to 2+ cpp (aspirational hotel redemptions). The fifth night free benefit can push value even higher on 5-night stays.
Can I transfer Marriott points to airline miles?
Yes. Marriott Bonvoy partners with ~40 airlines at a 3:1 ratio (3 Bonvoy points = 1 airline mile). Transfers of 60,000 points earn a 5,000-mile bonus with most partners, giving you 25,000 airline miles per 60,000 Bonvoy points.
Do Marriott Bonvoy points expire?
Points expire after 24 months of account inactivity. Any qualifying activity — earning, redeeming, or purchasing points — resets the clock. Simply holding a co-branded credit card and using it keeps your account active.
What is the Fifth Night Free benefit?
When you redeem points for 5+ consecutive nights at the same hotel, the cheapest night is free. This effectively saves you 20% on longer award stays and is available to all Marriott Bonvoy members, regardless of elite status.
How do I get Marriott elite status the fastest?
The fastest path is the Marriott Bonvoy Brilliant American Express Card, which grants automatic Platinum Elite status. Otherwise, hold a co-branded card for 15 elite night credits, then stay 35 more paid nights to reach Platinum.
Can I combine Marriott points between accounts?
Yes. You can transfer up to 100,000 points per calendar year to another member's account, with a receiving limit of 500,000 points per year. Both accounts must be open and in good standing.
Media & Resources
Video Reviews
8 videosMarriott Bonvoy Bold Credit Card (Guide)
Comparing The Marriott Bonvoy Boundless & Bold Card - Which Card is Better?
Marriott Bonvoy Bold Card Review | Options!
Is The Marriott Bonvoy Bold Worth It? | HIGHEST OFFER EVER!
Marriott Bonvoy Bold Credit Card Review 2025 | Worth It or Leave It?
Marriott Bonvoy Bold Credit Card Review 2025 | Is It Worth It?
The Ultimate Marriott Bonvoy Credit Card Guide (2025)
Third-Party Articles & Reviews
Marriott Bonvoy Bold Credit Card
Official Chase card page with current welcome offer, benefits overview, and application.
Marriott Bonvoy Bold Credit Card Review
Yahoo Finance's review covering the no-annual-fee card's benefits, earning structure, and travel perks.
Marriott Bonvoy Bold Credit Card 2026 Review
US News review covering rewards optimization and annual fee value for Marriott travelers.
Marriott Bonvoy Bold Credit Card Review: Full Details
TPG's comprehensive review covering earn rates, welcome offer, and comparison with other no-annual-fee hotel cards.
Marriott Bonvoy Bold Credit Card — Full Review [2026]
Upgraded Points' detailed review with pros, cons, and comparison to other Marriott co-branded cards.
Marriott Bonvoy Bold Credit Card Review: Worth It in 2026?
Daily Drop's review analyzing whether the entry-level Marriott card is worth it as a no-annual-fee hotel card.
Marriott Bonvoy Bold Review: Hotel Perks for No Annual Fee
NerdWallet's review covering earn rates, Silver Elite status, and whether the card is worth it for occasional Marriott guests.
Marriott Bonvoy Bold Credit Card Review: Earn Hotel Award Nights
Credit Karma's review highlighting sign-up bonus, Silver Elite status, and hotel redemption value.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase Official | Chase Official: Multiple card facts | |
| Chase Official | — | Chase Official |
| Marriott Partner | — | Marriott Partner |
| RewardsCC API | — | RewardsCC API |
| Chase | Chase: Multiple card facts | |
| Chase | — | Chase |
| Chase | — | Chase |
| Issuer Page | Issuer Page: Welcome offer | |
| Chase Official | Chase Official: Welcome offer | |
| Chase Official | Chase Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
