Marriott Bonvoy Bountiful Credit Card
Earn 6X points at 7,000+ Marriott properties with Gold Elite status for $250
The Marriott Bonvoy Bountiful earns 6X points at Marriott hotels, 4X on dining and groceries (first $15K), and 2X everywhere else. Gold Elite status and 15 elite night credits come automatically, with a free night award after $15K annual spend.
- Annual Fee
- $250
- points · Welcome Bonus
- 85,000
- Highest rate (conditional)
- Up to 6X (Marriott)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $250
- 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)
Welcome Offer
85,000
points
Spend $4,000 in the first 3 months
Earn 85,000 bonus Marriott Bonvoy points after spending $4,000 in purchases within the first 3 months from account opening.
Earning Rates
- 6X
Marriott
6x points at participating Marriott Bonvoy hotels
- 4X
Dining
4x points at restaurants, first $15,000 combined dining/grocery per year
Cap: $15,000/annual
- 4X
Grocery Stores
Earn 4X points for every $1 on the first $15,000 in combined purchases each year on grocery stores and dining
Cap: $15,000/annual
- 2X
All Other
2X points per $1 on all other purchases
Earning Scenarios
6X Card Points at Marriott Hotels (Up to 18.5 Total)
Earn 6X points from your card plus up to 12.5X from Marriott Bonvoy membership and Gold Elite status at 7,000+ participating properties worldwide.
4X on Dining and Groceries
Earn 4X points per $1 at restaurants worldwide and grocery stores on the first $15,000 in combined annual purchases.
2X on Everything Else
Earn 2X points per $1 on all other purchases with no caps or limits. Points never expire as long as you use your card every 24 months.
Benefits & Perks
Travel Benefits
4 perksHotels & Lodging
General Travel
Concierge
Elite Status
Annual Credits & Statement Credits
1 credits$120
first-year / eligibility-dependent
12 months of DoorDash DashPass
Get 12 months of complimentary DashPass membership with $0 delivery fees on eligible DoorDash orders over $12 (valued at $120)
$120
One-time
Insurance & Protections
5 protectionsUp 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.
Extended warranty protection adds 1 year
primary
Automatically extends the manufacturer's warranty by one additional year on eligible purchases with warranties of 3 years or less.
Purchase protection up to $500 per claim
$500
primary
Protection against damage or theft for new purchases for 120 days from purchase date, covering up to $500 per claim with $50 deductible.
View conditions
Deductible: 50
Trip delay reimbursement up to $500
$500
secondary
Get reimbursed for meals, lodging, and essentials if your common carrier trip is delayed 12+ hours or requires an overnight stay.
Baggage delay insurance up to $100/day
$100
secondary
Get reimbursed for essential purchases if your checked baggage is delayed more than 6 hours.
Dining Out
4x at restaurants
Marriott Bonvoy · On up to $15,000 a year in dining, then the base rate
≈$2.80 in value on a $100 dinner, at our valuation of 0.7¢ per point
Annual fee: $250
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 4x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
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
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #74 of 119 | ||
| The Points Guy | 3/5 |
Editorial Review
The Marriott Bonvoy Bountiful card offers inadequate benefits for its annual fee. The free night requires substantial spending, and Gold Elite Status provides limited value compared to other available hotel credit cards.
Key Takeaways
The Marriott Bonvoy Bountiful and its sister card, the Bonvoy Bevy, do not offer sufficient benefits to justify their annual fee. You only receive a free night's stay after spending $15,000 on the card in a calendar year. While complimentary Gold Elite Status is a nice perk, you must stay an additional 35 nights throughout the year to upgrade to Platinum Elite Status. the 85,000 point sign-up bonus may not provide significant value since Marriott's reward redemption rates are considerably higher than other hotel chains. We recommend avoiding this card.
Why This Card Could Be Right For You
The Marriott Bonvoy Bountiful card offers several benefits that might appeal to frequent Marriott guests. With this card, you receive:
- An 85,000 point sign-up bonus after spending $4,000 in the first three months
- Complimentary Gold Elite Status, which includes perks like 25% bonus points on stays, 2 PM late checkout, and enhanced room upgrades when available
- 15 Elite night credits annually to help you progress toward higher status tiers
These features can be valuable if you're working toward Platinum Elite Status, which requires 50 nights per year. The 15 Elite night credits give you a head start on this journey. Also, you can earn a free night certificate each year, though this requires spending $15,000 on the card annually. Keep in mind that this card carries a $250 annual fee, which should be factored into your decision when considering its overall value proposition.
Read full review (4 more sections)
When The Usual Advice Doesn't Apply
The other Marriott co-branded cards offer similar or better sign-up bonuses and provide benefits that better align with their annual fees
What to Know About Marriott Bonvoy
Their poor points redemption value leaves Bonvoy near the bottom of our rankings.
- There are multiple cards with great point transfer options. In theory, this is good.
- Finding a solid value for a Marriott stay is a challenge. A one night stay at desirable destinations can match the number of points from one card bonus.
- Values can be found, but they can be frustrating to find, so it isn’t a terrible system. It just doesn’t have the usefulness of many of the other hotel systems.
How The Marriott Bonvoy Bountiful Credit Card Fits In The Marriott Bonvoy Ecosystem
The Marriott Bonvoy portfolio offers several credit card options that cater to different traveler needs and spending habits. Here's how the Bountiful card compares:
- Bountiful vs. Bevy: These cards are virtually identical in benefits and sign-up bonuses. The key difference lies in the spending requirements:
- Bountiful: $4,000 spent in 3 months to earn the bonus
- Bevy: $5,000 spent but with a longer 6-month timeframe
- Boundless Card Comparison: At just $95 annual fee, the Boundless represents a more affordable option. If elite status isn't your primary goal, the Boundless actually offers:
- Better sign-up bonus
- Free night certificate annually (capped at 35,000 points)
- Silver Elite Status (compared to Gold with Bevy/Bountiful)
For travelers focused primarily on status benefits, the premium Marriott Bonvoy Brilliant might be worth considering despite its $650 annual fee. This top-tier card provides substantial value through:
- Automatic Platinum Elite Status
- 25 Elite night credits annually
- One free night certificate worth up to 85,000 points
- Additional credits and benefits that help offset the high annual fee
When selecting among these options, consider your travel patterns, spending habits, and whether the specific elite benefits justify the higher annual fees of premium cards like the Bountiful.
My Experience, No Filter
We're not much into the Marriott point system. For the $250 annual fee, and the below-average point redemption structure, you're far better off getting a World of Hyatt card from Chase.
The Math: Is $250 Worth It?
First-year value includes $595.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$72
Annual Fee
-$250
Net Annual Value
-$250
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) |
| 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 Bountiful vs Boundless | Full Comparison
2 SECRETS! Marriott Bonvoy Bountiful Unboxing and Review
The NEW Marriott Bonvoy BOUNTIFUL Credit Card | FULL REVIEW | 125K Sign Up Offer
Marriott Bonvoy Bountiful Credit Card Review 2025 | Is It Worth It?
Which Marriott Bonvoy Credit Card is Best in 2025?
Marriott Bonvoy Bountiful credit card Review - Everything You Need To Know
Marriott Bonvoy Bountiful Credit Card Review
Third-Party Articles & Reviews
Marriott Bonvoy Bountiful Credit Card
PointsNav analysis with first-year value of $485, annual value of $144, and point valuation at 0.7 cpp. Ranked 74th of 119 cards.
Marriott Bonvoy Bountiful Credit Card Review [2026]
FinanceBuzz review noting the card is solid but not for everyone, with Gold Elite status being the easiest perk to leverage.
Marriott Bonvoy Bountiful credit card review: Moderate annual fee with limited perks
Comprehensive review covering welcome bonus, earning rates, benefits, and competitor comparisons. Rates the card 3/5 stars.
Marriott Bonvoy Bountiful Credit Card review: Mid-tier Marriott perks for regular guests
Bankrate review analyzing the card's earning rates, benefits, and whether the $250 annual fee delivers sufficient value for Marriott loyalists.
Marriott Bonvoy Bountiful Credit Card Review
Business Insider review analyzing the $250 annual fee and whether the card's benefits make it worth considering for frequent Marriott guests.
Marriott Bonvoy Bountiful Card - Full Review [2026]
Detailed review covering up to 18.5x points at Marriott hotels, 4x dining/grocery bonus, Gold Elite status, and $15K free night threshold.
Marriott Bonvoy Bountiful Review: Premium Price, Pedestrian Perks
NerdWallet review noting generous welcome bonus but questioning whether the perks justify the $250 annual fee.
The best credit cards for maximizing Marriott stays in 2026
CNBC Select's comparison of all Marriott credit cards, including the Bountiful as a mid-tier option in the Chase lineup.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase | — | Chase |
| Chase | — | Chase |
| RewardsCC API | — | RewardsCC API |
| Bankrate | Bankrate: Card name | |
| Chase | Chase: Earn rates | |
| Chase | — | Chase |
| Chase | — | Chase |
| Chase | Chase: Apr | |
| Chase | — | Chase |
| 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.