VISAVisa Signature

Marriott Bonvoy Boundless Credit Card

6X Hotel Points, 15 Elite Nights, 1 Free Night Every Year

At $95 per year, the Marriott Bonvoy Boundless pays for itself with a single free night. Earn up to 17X points at Marriott properties, get automatic Silver Elite status with 15 elite night credits annually, and earn up to $100 in limited-time airline statement credits (through 6/30/2027). The 3 Free Night Awards in the welcome offer and an Anniversary Free Night every year mean more nights traveling free than paying.

Annual Fee: $95
Highest rate (conditional): Up to 6X (Marriott)

Terms checked against the issuer on October 10, 2026

Apply on Chase's site

At a Glance

Annual Fee: $95
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

Earning Rates

6X
Marriott
6X card-earned points per $1 on qualifying purchases at participating Marriott Bonvoy hotels; excludes separate Marriott membership and elite-status points.
3X
Dining
3X points on dining (combined $6,000 annual cap with gas and grocery)
Cap: $6,000/annual
3X
Gas Stations
3X points at gas stations (combined $6,000 annual cap with dining and grocery)
Cap: $6,000/annual
3X
Grocery Stores
3X points at grocery stores (combined $6,000 annual cap with dining and gas)
Cap: $6,000/annual
2X
All Other
2X points per $1 on all other purchases

Earning Scenarios

Up to 17X Total Points at Marriott Hotels

A $200/night stay earns 1,200 base points (6X) + up to 2,200 total with elite bonuses. Up to 3,400 total points per night.

3X Points on Dining

$500/month dining = 1,500 points/month = 18,000 points/year toward free nights.

3X Points on Gas & Groceries (Capped)

Maximize the $6,000 annual cap = 18,000 points/year. Combined with dining, 36,000+ points annually on everyday spending.

2X Points on All Other Purchases

Flights ($300 = 600 pts), entertainment ($100 = 200 pts), retail ($1,000 = 2,000 pts). Consistent earning everywhere.

Benefits & Perks

Travel Benefits

7 perks

Elite Status

15 Marriott Bonvoy Elite Night Credits Awarded Annually

Hotels & Lodging

Automatic Silver Elite with 10% points bonus on stays

Gold Elite status at $35,000 annual card spend

1 Free Night Award worth up to 35,000 points/year

Concierge

24/7 concierge for travel, dining, and 4+ services

General Travel

No Foreign Transaction Fees on International Purchases

24/7 travel and emergency assistance in 200+ countries

Annual Credits & Statement Credits

2 credits

$100

first-year / eligibility-dependent

1 credit listed below has no stated dollar amount and is not counted in this total.

Up to $100 airline credits (through 6/30/2027)
Limited-time offer: $50 after $250 of direct airline purchases (Jun 4 - Dec 31, 2026) plus $50 after $250 more (Jan 1 - Jun 30, 2027)
$100
One-time
DoorDash DashPass
Complimentary DoorDash DashPass membership for 1 year, plus $10 quarterly discount on non-restaurant orders including grocery and convenience
—
Annual

Insurance & Protections

6 protections

Up to $3,000 Lost Luggage Reimbursement per Traveler
$3,000
Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage
Up to $500 Trip Delay Reimbursement for Extended Delays
$500
Up to $500 per covered traveler for meals, lodging, and necessities when travel delays exceed 12 hours or overnight stays.
Up to $500 Purchase Protection Against Theft and Damage
$500
Coverage for eligible purchases against theft or accidental damage for 120 days from purchase date, up to $500 per claim
Up to $500 Baggage Delay Insurance Coverage
$500
Reimburses up to $100 per day for 5 days for essential purchases when baggage is delayed more than 6 hours
Rental car CDW saves $15-30/day on collision waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card for coverage against theft and collision damage

Show all 6 protections

24/7 roadside dispatch assistance (pay-per-use)
24/7 roadside dispatch: jump-start, lockout, towing, and fuel delivery. Fee is pre-negotiated and disclosed prior to dispatch.

Dining Out

3x at restaurants

Marriott Bonvoy · On up to $6,000 a year in dining, then the base rate

≈$2.10 in value on a $100 dinner, at our valuation of 0.7¢ per point

Annual fee: $95

Explore 5,512 New York restaurants with this card

Stack a dining program

Rakuten Dining

5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.

How Rakuten Dining works

+$5

cash back, or ≈$5.50 as points

Marriott Bonvoy

View Program

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.

Point Value: 0.7 cpp

Range: 0.6–0.75 cpp

Program Ratings

PointsNav

7.3/10#13

Broad Coverage

9/10

Everyday Usefulness

7/10

Earn/Redeem Efficiency

6/10

Policy Fairness

5/10

Ease Of Holding

9/10

Product/Transfer Quality

8/10

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

6 sources

Bankrate4.7/5

PointsNav—

Ranked #25 of 119

WalletHub4.3/5

NerdWallet—

Forbes Advisor4.2/5

The Points Guy4/5

Category Rankings (7 categories)

Hotels in Africa#2

Hotels In Asia#1

Hotels In Europe#6

Australia & New Zealand Hotels#2

Hotel Stays#5

Resort Stays#5

Hotels In South America#4

How It Compares

The Boundless is the gateway to Marriott elite status without the premium card cost. It delivers strong earning (6X at hotels), essential elite benefits (Silver status, elite night credits), and an annual Free Night Award plus limited-time airline credits that help offset the annual fee.

Pros and Cons

Pros

+Automatic Silver Elite status
+15 elite night credits per year
+6X card points at participating Marriott hotels; up to 17X combined with eligible Bonvoy membership and Silver Elite earnings
+Anniversary Free Night Award (up to 35,000 points)
+3X on dining, gas, and grocery (first $6,000 combined annually)
+No foreign transaction fees
+Low $95 annual fee for status card
+Additional elite nights via $5,000 spend increments
+Path to Gold Elite at $35,000 annual spend

Cons

-Only 2X on non-bonus category purchases
-Silver Elite has limited benefits
-Points locked to Marriott ecosystem
-3X bonus categories have combined $6,000 annual spend cap
-Free Night Award capped at 35,000 points (mid-tier properties)

Who It's Best For

Best For

Marriott loyalists earning toward Gold/Platinum status
Moderate hotel travelers (5-15 nights/year)
Earning elite night credits via card spend
Budget-conscious travelers wanting hotel status

Not Ideal For

Non-Marriott hotel guests
Travelers wanting transferable points
Heavy spenders better suited for Marriott Brilliant
Those preferring cash back over points

The Math: Is $95 Worth It?

Credit Utilization (60%)

Airline Statement Credits (up to $100, limited-time)$60

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

$60

Annual Fee

-$95

Net Annual Value

-$95

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 videos