Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
The Marriott Bonvoy Boundless™ Credit Card, issued by Chase, offers a slew of rewards and benefits for anyone who stays at Marriott Bonvoy hotels.
Cardholders will earn 6X bonus points per dollar at these properties, plus additional points for your hotel member status: at least 11X Base points at Marriott Bonvoy properties.
This comes to a cash back equivalent of about 17%–34% for hotel spending, assuming a point value of 1–2 cents each.
Not only that, you’ll get 100,000 bonus points for spending $5,000 in the first three months after account opening. That bonus could be worth $1,000–$2,000, depending on how you redeem it, giving you a return on your spending of 20%–40%.
There are a number of hotel perks to take advantage of. You have automatic Marriott Silver Elite status, which comes with a 10% point bonus, priority late check-out, and more. Upgrade to Gold Elite status by spending $35,000 on purchases in a given year. After your first account anniversary you’ll be awarded with a Free Night Award every year.
You’ll get complimentary premium in-room WiFi, and 15 Elite Night credits towards a higher member status. And there are a number of lesser perks, like invitations to Marriott Premier Experience Events and a personal concierge.
The Marriott Bonvoy Boundless costs $95 per year, and there are no foreign transaction fees to pay.
You cannot apply for this card if you already currently have this card or the Marriott Bonvoy™ Premier Credit Card, or you’ve received a new cardmember bonus from either of those cards in the last 24 months. If you’re a Marriott Bonvoy Premier cardholder you can request an upgrade to the Bonvoy Boundless.
If you spend much time in Marriott Bonvoy properties every year, this card could probably help you save money and have a better time while you’re at it. But there are four Marriott Bonvoy co-branded cards in total, including three personal cards and a business card.
|Marriott Bonvoy Bold™ Credit Card||$0||
|Marriott Bonvoy Boundless™ Credit Card (This review)||$95||
|Marriott Bonvoy Business™ American Express® Card (Review)||$125||
|Marriott Bonvoy Brilliant™ American Express® Card (Review)||$450||
Is the Marriott Bonvoy Boundless the right choice for you? Keep reading to learn more and find out.
We give the Marriott Bonvoy Boundless Visa Signature card 5 out of 5 Stars because it provides a great return at participating Marriott properties, and there are several valuable benefits too.
If you want a card for spending at Marriott Bonvoy hotels, this is a very good option for a relatively low fee. But there are other cards designed for hotel spending, along with a more expensive card for Marriott hotels. Check out some alternatives to the Marriott Bonvoy Boundless Visa Signature card below.
If you have the older Marriott Bonvoy™ Premier Credit Card (which is no longer open to new applicants), you aren’t eligible for the new cardmember bonus.
Instead, you can request an upgrade to the new Bonvoy Boundless. You may get a bonus offer, like 20,000 points after your first purchase. But there’s no guarantee that you’ll get a bonus offer, or that it will be of a certain amount.
Take note that this will be counted as a product change, not a new account opening. Your credit card account number will not change, but the expiration date and CVV may change. So if you have any automatic payments set up you should check the details after upgrading.
Upgrade requests may take up to four business days to be approved. If you’re approved you should receive your new card within seven to 12 business days.
The Marriott Bonvoy Boundless Visa Signature offers an excellent return on your spending at Marriott Bonvoy properties, with a cash back equivalent of about 17%–34% or more. Other non-category purchases get a good return as well, at 2%–4% cash back equivalent.
|Introductory Bonus Offer|
So you’ll have several point earning opportunities. You’ll get 6X points at all of the brands included in the Marriott Bonvoy portfolio. You’ll also earn a certain number of Base points at these hotels, depending on your member status.
To check out all the brands, see:
The number of Base points you earn will depend on your member status with that particular hotel brand. Cardholders get automatic Silver Status with Marriott, which is one level higher than the basic member status. A normal member would get 10X Base points but Silver members get a 10% bonus, for 11X Base points in total.
You’ll only earn points at these high rates when making purchases directly from the hotel. If you use a travel agency or discount travel site, for example, you’ll get the normal purchase rate of 2X points.
Take note that you will not be eligible for the welcome bonus offer if you’ve had other Marriott Bonvoy co-branded cards at certain times. You will not be eligible if you:
Marriott Bonvoy points will expire after 24 months of no account activity. You can keep your points active simply by making a purchase with your card once every 24 months.
There are quite a few ways to redeem Marriott points. The value of your points will depend on when, where, and how you redeem them.
Typically, PointSavers stays and regular award stays are the most valuable redemption methods. Or, if you book four award nights in a standard room you’ll get a fifth night free, which will also provide a great overall return on your spending.
We’ll list the basic types of redemptions, and then we’ll go over two good redemption examples: a free night stay, and a fifth night free.
Remember that redemption offers come and go, and sometimes there are special offers at certain properties. You may be able to find an excellent deal for your upcoming trip if you take some time to explore the options. Be sure to check the value you’re getting per point.
Free night stays are probably the simplest and most valuable redemption method. Oftentimes, the best deals will be found at the least and most expensive properties, rather than mid-range properties, but this isn’t always true.
The higher the hotel category, the more points required for a night’s stay.
|Hotel Category||Standard Requirement||Off-Peak||Peak|
You can browse the full list of 6,700 Marriott Bonvoy properties, including their categories and point requirements.
PointSavers reservations will help you save some points, if you’re lucky enough that your travel plans align with some eligible dates. The PointSavers requirements are as follows.
|Hotel Category||PointSavers Requirement||Off-Peak||Peak|
Next, we’ll show you:
Say you want to spend a night at the Fairfield Inn & Suites Seattle Bremerton, a Category 3 hotel in Washington. A standard room here might normally cost $199 for non-members, depending on the date.
Or you could get this room for 17,500 points (only 16,000 if you get a PointSavers deal). To earn 17,500 points, you could spend $1,030 at Marriott properties, earning at the 17X rate (6X points from the card and 11X points from Marriott Bonvoy Silver Elite status).
Here, you would spend $1,030 to get a room valued at $199. Your points are worth about 1.14 cents each in this example, for a return on spend of about 19.32%.
For a PointSavers offer, 16,000 points would require $942 in spending. In this case your points are worth 1.24 cents each, for a return on spend of about 21.13%, a pretty great deal!
Total spend: $1,030
Point value: $199 ÷ 17,500 points = about 1.14 cents each
Return on Spend: $199 is about 19.32% of $1,030
Total spend: $942
Point value: $199 ÷ 16,000 points = about 1.24 cents each
Return on Spend: $199 is about 21.13% of $942
If you redeem points for five consecutive nights you’ll get your fifth night free, at participating hotels. You’ll need to book five nights to get this deal, but you actually only need to have enough points for four nights.
Lets imagine a trip to the Courtyard Long Island Islip/Courthouse Complex, a Category 4 hotel on Long Island. If you were to pay cash for a five-day stay, you’d end up paying different rates for different nights. For a stay in a standard room from October 22nd to October 27th, for example, you’d end up paying a total of $1,054.86 after taxes and fees.
You’d only need 100,000 points to get this same room for five nights (a night at a Category 4 hotel requires 25,000 points). To earn 100,000 points you’d need to spend $5,883, when earning at the 17X rate (6X points from the card and 11X points from Marriott Bonvoy Silver Elite status).
Here, you get a value of about 1.05 cents per point. And your return on spend is about 17.93%.
Depending on the hotel category you redeem at, you may be able to get a much better deal than this. The higher and lower hotel categories will offer a better return on your spending. And if you can include some PointSavers nights that would increase the return on spend as well.
Total spend: $5,883
Point value: $1,054.86 ÷ 100,000 points = about 1.05 cents each
Return on Spend: $1,054.86 is about 17.93% of $5,883
This card has an annual fee of $95, so you should be sure to get at least that much value from it every year. If you travel often you can get much more than that, of course.
There are two basic ways to offset the annual fee:
After considering all the value-adding perks and rewards that you’ll get, the $95 fee actually starts to seem pretty cheap for anyone who travels several times per year.
Some of the card benefits are pretty straightforward. For the annual free night stay, for example, we show below how you can get about $300 in value from it each year, or more. That would offset the annual fee for over three years with just a single use!
It’s a bit harder to put a monetary value on some of the other benefits, however. How much would you value complimentary Silver Elite status with Marriott? Or 15 free Elite Night credits? What about the complimentary premium WiFi?
Depending on your lifestyle and travel habits, you might value these perks more or less. If you can’t go a day without checking Credit Card Insider you might be willing to pay handsomely for premium WiFi, but otherwise you might not care much about that.
So you could offset the annual fee with just the card benefits, but you could also do it with the reward points you earn.
To offset the annual fee using reward points, you simply need to earn enough points to provide $95 in value.
In the examples above, we saw a different point value for each redemption method. The greater the point value, the less spending you’ll need to offset the fee.
Here are the three examples again, this time showing how much you’ll need to spend at each point value to equal $95, assuming you’re earning 17X points per dollar (6X points from the card and 11X points from Marriott Bonvoy Silver Elite status).
|Redemption Method||Point Value||Required Spend for $95|
|Free Night Award Stay||1.14||$491|
|PointSavers Free Night Award Stay||1.24||$451|
|Fifth Night Free Award Stay||1.05||$533|
Based on our example stays, we’ve found that you can offset the annual fee for $451 in spending, or even less. But your mileage will vary depending on your particular redemptions, and you can likely find an even better deal.
You’ll also get a signup bonus of 100,000 points with this card, valued at about $1,000–$2,000 depending on your redemption method. This would offset the annual fee for 10–21 years!
The Marriott Bonvoy Boundless credit card comes with benefits from three different sources:
You’ll get one Free Night Award every year, beginning after your first account anniversary.
It may take up to eight weeks for this credit to appear in your online account, as an e-certificate. The Free Night Award will expire 12 months after being issued. You can’t combine this award with cash or points.
This free night stay can be redeemed at any property with a redemption level up to 35,000 points. That means you can get a free night in up to a Category 5 hotel.
You can explore the Free Night Award Chart to see where you can use your Free Night Awards when planning your next trip. There are no blackout dates for Free Night Award redemptions.
The value you get from this award credit will depend on how you use it. If you use it for a cheap room you might only get $80 out of it, while a more luxurious or boutique hotel could provide $250 or more in value.
For example, the TownePlace Suites Dallas Bedford is a Category 2 hotel in Texas. A night stay could cost as little as $67, depending on when you book it. So if you redeem your Free Night Award here you wouldn’t be saving very much money.
Now consider the Courtyard Asheville, a Category 5 hotel in North Carolina. A room here might cost as much as $300 per night on weekends, or more. But you could get that room using your Free Night Award, which would be an excellent way to maximize its value.
So you could save $300 with this credit, or even more in some cases. Be sure to think carefully about how and when you use the credit. If you’re staying at a cheaper hotel it would probably be better to just pay with your Marriott card to earn points, and save your credit for a more expensive stay. But remember that Free Night Awards are only good for one year.
As a cardholder you’ll get complimentary Silver Elite status with Marriott. Normally you’d need to spend 10 qualifying nights at Marriott properties for this status level.
Cardholders get a fast track to Marriott Gold Elite status by spending $35,000 in an account year. Usually it would take 25 qualifying night stays to reach this level.
In addition to all the Silver benefits, Gold Elite members also get benefits that include:
You’ll receive 15 Elite Night Credits every year, on or before March 1. Elite Night Credits count towards your Elite status with Marriott.
|Status||Required Qualifying Nights||Bonus on Base Points|
|Silver Elite||10 (Automatic with the Marriott card)||10%|
Call 1-800-953-7392 at any time to reach your personal assistant, who can help with non-emergency tasks.
The concierge can provide four main types of assistance, but you don’t need to limit yourself to these topics:
Your concierge service will probably be most helpful when you’re traveling somewhere new. If you’re bored, looking for a place to eat, or in a hurry to find a hotel, you can call the concierge for help.
Many travel cards with annual fees come with a concierge service, like the Sapphire Preferred. It might be provided by Visa, Mastercard, or American Express, but it’s generally the same level of service no matter who offers it.
Still other cards may or may not provide a concierge, depending on the level of card service you get. The Capital One® VentureOne® Rewards Credit Card (Review) comes as a Visa Signature with the concierge service, but only if your credit limit is $5,000 or more. Otherwise it will be a Visa Platinum, with fewer benefits.
Cardholders get premium on-property WiFi internet access at participating locations. You must provide your loyalty member account number when checking in.
Internet access is limited to one room only, regardless of how many rooms are booked.
Cardholders will occasionally get invitations to exclusive events through the Premier Experience Events program. There are a variety of events, like high-class dining and cooking lessons, rounds of golf, and meetings with exciting people.
A few examples of recent Premier Experience Events:
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|17.49% - 24.49% Variable||17.49% - 24.49% Variable||26.49% Variable|
|Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|$95||$0||Either $5 or 5% of the amount of each transfer, whichever is greater.||Either $10 or 5% of the amount of each transaction, whichever is greater.|
|Penalty APR||Late Fee||Returned Payment Fee|
|None||None||Up to $38|
The rewards and benefits of this card might seem complicated, but the terms and fees are pretty simple.
The major points of interest are the $95 annual fee, and no foreign transaction fees. That means you can bring this card with you when traveling outside the U.S. without worrying about extra charges, which can be as much as 3% on other cards.
As discussed above, you can offset the annual fee simply by using the annual Free Night Award. Or, if you redeem your points for 1.24 cents each, you can earn $95 in value by spending as little as $451 at Marriott properties.
The Marriott Bonvoy Boundless comes with a minimum credit limit of $5,000. The credit line you get will be determined by your creditworthiness when approved.
You can also request a credit limit increase from Chase. If you want a higher limit, we recommend doing this about every six or 12 months. Chase may also increase your credit line occasionally if you show responsible credit behavior.
|Chase Customer Support||
1-302-594-8200 (international calls)
|Marriott Elite Reservation Services||1-800-228-2100|
|Marriott Elite Guest Services||1-800-321-7396|
You’ll have two different customer support teams for this card: one at Chase, and one at Marriott. (You actually have another team through Visa, but that’s mostly limited to using certain card benefits).
Contact Chase if you have an issue with your card account, like unauthorized transactions.
Contact Marriott Elite Guest Services if you have a problem with your Marriott Bonvoy account, or any Marriott-specific questions.
Contact Marriott Elite Reservation Services if you need to quickly make a reservation or can’t do it online.
Overall, Chase tends to come in a bit below average when it comes to customer support. In J.D. Power’s Credit Card Satisfaction Survey 2017 they came in 5th out of 11 major issuers. That’s where they placed the year before too.
However, Marriott Bonvoy Boundless cardholders get a dedicated customer service line with Chase, and can probably expect to get better-than-average support. And as a Silver Elite member with Marriott you’ll probably be treated pretty well by them, too.
|Chase Twitter Support||@ChaseSupport|
You can contact Chase customer support online by logging in to your account and sending them a secure message. They’ll usually get back to you pretty quickly, sometimes in just an hour or two.
Or, if you have more general questions, you can send them a message on Twitter, @ChaseSupport. Be sure not to send any personal or account information via Twitter, or any other social network.
The Marriott Bonvoy Boundless is a very rewarding card offer from Chase, giving you a chance to earn Marriott Bonvoy points and enjoy enhanced member status.
The 6X Bonus points you get are in addition to any Base points for being a member. So the higher you can raise your status, the more value you’ll get from this card. If you like staying at Marriott Bonvoy properties, the introductory offer should take you pretty far.
Read up on all the benefits, and take advantage of them whenever possible to get discounts, room upgrades, and insurance for your purchases and trips. For some travelers, perks like the Free Night Award and Silver Elite status might make this card worth the cost all on their own.
Look for the best redemption options, and consider paying with your card if you can’t get a good deal with points. Your Free Night Award would be enough to offset the $95 annual fee of this card. Or you can do it with about $451 in spending if you get about 1.24 cents per point. But you may be able to find even better deals that.
This is an excellent card for booking with Marriott Bonvoy hotels, but if you don’t ever stay in these hotels the Marriott Bonvoy Boundless won’t do you any good. Or perhaps you want something even better, with more valuable benefits. Take a look at some other credit cards for hotel spending below.
You can apply for the Marriott card securely on Chase’s website.
Usually you’ll get an instant decision, either yes or no. In some cases Chase may request more information to process the application.
The Capital One® VentureOne® Rewards Credit Card (Review) is one of the best no annual fee cards for general hotel spending, thanks to a new partnership between Capital One and Hotels.com. Rather than being limited to Marriott or another brand, this card provides great rewards at any hotel you can find through Hotels.com (including Marriott).
|Introductory Bonus Offer|
The VentureOne’s reward program is pretty simple compared to the Premier Rewards Plus. Capital One miles are always worth 1 cent each when redeemed for travel expenses, so you can easily see the return on spend for any given purchase.
You’ll be earning the equivalent of 10% cash back at Hotels.com/venture, an outstanding rate for a no-fee general-use travel card. Other purchases will provide the equivalent of 1.25% cash back.
There aren’t a million redemption options to consider, which might be nice if you don’t care to spend time looking for the best deals. If you just want to get a nice discount at hotels without much hassle, the VentureOne will do the trick.
The VentureOne card comes as a basic Visa Platinum if your credit limit is below $5,000 when approved. If your limit is equal to or greater than $5,000, you’ll get an upgraded Visa Signature.
The Marriott Bonvoy Boundless card always comes as a Visa Signature with a minimum $5,000 credit line, if you’re approved. If you get a Visa Signature version of the VentureOne, you’ll get a set of shopping and travel benefits similar to those of the Marriott card. But if you get a Visa Platinum, you’ll only get the following four protections:
The Capital One card doesn’t come with any of the hotel-specific perks of the Marriott card, like annual free nights or complimentary internet access.
The VentureOne card has no annual fee, and no foreign transaction fees. Cardholders get a 12-month 0% intro rate for purchases (then 13.49% - 23.49% Variable), a feature you won’t have with the Marriott card.
If you know you’ll be spending a lot of money with Marriott, it probably makes sense to use its co-branded card. But if you won’t travel much, or will stay at a variety of hotel brands outside Marriott, you’d be better off with a general hotel card like the VentureOne.
Read more in our Review of the Capital One VentureOne Rewards Card
The Chase Sapphire Preferred® Card (Review) is one of the more popular general-use travel cards. It’s good for all kinds of travel spending, not just hotels but also airlines, car rentals, parking garages, and more. The card has a $95 annual fee.
|Introductory Bonus Offer|
You’ll earn Chase Ultimate Rewards points with the Sapphire Preferred, which are usually worth 1 cent each. But they can be redeemed for travel expenses through the Ultimate Rewards portal for 1.25 cents each. You can also transfer them to a variety of airline and hotel partners (including Marriott), where they might be worth as much as 2 cents each or more.
If you redeem for 1.25 cents per point, you’ll be getting a cash back equivalent of 2.5% on travel and dining. If you get 2 cents per point, your cash back equivalent would be 4% on those purchases.
That’s not very much compared to what the Marriott Bonvoy Boundless card can offer, but it’s pretty good for a general travel card. The Marriott card is much more rewarding but it’s limited to Marriott Bonvoy brands.
The Sapphire Preferred comes as a Visa Signature, so it has a set of shopping and travel protections that are similar to those of the Marriott card. There might be some slight differences between the cards.
In addition, Chase also provides the following for the Sapphire Preferred:
You won’t get the Marriott-specific perks, but some of these benefits can perform the same functions. The Luxury Hotel & Resort Collection will give you some perks that resemble member status, and the Preferred Experiences are similar to Marriott’s Premier Experience Events.
The Sapphire Preferred has a $95 annual fee. There are no foreign transaction fees.
So it’s got a set of terms that are mostly like the Marriott card.
To offset this annual fee, you could spend $4,750 at the 2X rate and then transfer the points to get a value of 2 cents per point. That would give you $95 in value.
Or, if you redeem through Ultimate Rewards for 1.25 cents each, you’d need to spend $7,600 with the card.
You probably wouldn’t need both the Bonvoy Boundless card and the Sapphire Preferred. Examine your travel habits, do the math, and see which card would be more rewarding over an average year. But if you if you do a lot of traveling, spending plenty of money with Marriott and other brands, having both cards might be a good idea. You can also consider the Chase Sapphire Reserve® (Review), which is more expensive and more rewarding.
Read more in our Review of the Chase Sapphire Preferred Card
Do you have the Marriott Bonvoy Boundless to get great deals at Marriott properties? What are your favorite ways to use it? Let us know by leaving your own review!
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to Marriott Bonvoy Brilliant™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.