Marriott Bonvoy Bold® Credit Card
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Marriott Bonvoy Bold® Credit Card
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Marriott Bonvoy Bold Credit Card Review: A Solid Entry to Marriott Bonvoy Rewards

Marriott Bonvoy Bold Credit Card Review: A Solid Entry to Marriott Bonvoy Rewards

For a card without an annual fee, the Marriott Bonvoy Bold® Credit Card offers some great travel benefits, while also extending a solid welcome offer to new cardholders.

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Quick facts

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Rates & fees

  • Credit needed: 660 - 850
  • Sign-up bonus: Earn 30,000 Bonus Points after spending $1,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Bold® Credit Card!
  • Earning rate: Earn up to 14X total points for every $1 spent at 7,000+ hotels participating in Marriott Bonvoy® and 2X points on other travel purchases (from airfare to taxis and trains).
  • Annual fee: $0
  • Elite nights: Receive 15 bonus elite nights annually, qualifying you for Silver elite status and getting you closer to Gold elite

Quick facts

  • Credit needed: 660 - 850
  • Sign-up bonus: Earn 30,000 Bonus Points after spending $1,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Bold® Credit Card!
  • Earning rate: Earn up to 14X total points for every $1 spent at 7,000+ hotels participating in Marriott Bonvoy® and 2X points on other travel purchases (from airfare to taxis and trains).
  • Annual fee: $0
  • Elite nights: Receive 15 bonus elite nights annually, qualifying you for Silver elite status and getting you closer to Gold elite

More details

  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1X point for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy® points and get Free Night Stays faster.

Rates & fees

  • Intro Purchase APR: N/A
  • Regular Purchase APR: 20.24% - 27.24% Variable
  • Intro BT APR: N/A
  • Regular BT APR: 20.24% - 27.24% Variable
  • Annual Fee: $0
  • Foreign Transaction Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

No

  • $0 annual fee
  • Earn bonus points on Marriott hotel stays
  • Solid sign-up bonus for a hotel card with no annual fee
  • Trip delay, lost luggage, and purchase protection benefits
  • $0 foreign transaction fees

Cons

  • Doesn't offer an annual free night award
  • Lower earning rate and sign-up bonus than other Marriott Bonvoy cards
  • Worse rewards rate then flexible points-earning cards
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Is the Marriott Bonvoy Bold® Credit Card worth it?

The Marriott Bonvoy Bold® Credit Card is a good fit for travelers who occasionally stay at hotels within Marriott Bonvoy brands. With a sign-up bonus valued around $270, $0 foreign transaction fees, and a handful of useful travel protections, it's a solid choice among hotel cards with $0 annual fee.

The card earns 3X points for every $1 spent at Marriott Bonvoy program hotels, 2X points on other travel and 1X points on everything else. Cardholders are also rewarded with 15 bonus elite nights each year, which is enough to qualify for Marriott Silver elite status. Additionally, the Marriott Bonvoy Bold® Credit Card offers some great travel and purchase protection features, uncommon for a card with $0 annual fee.

It's a great choice for casual guests of Marriott brand hotels. However, travelers who stay with Marriott frequently should consider one of several other Marriott credit cards. Some offer far better benefits in exchange for an annual fee.

Earn a sizeable sign-up bonus

The current card welcome offer lets you Earn 30,000 Bonus Points after spending $1,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Bold® Credit Card!

This is a respectable offer among hotel credit cards with no annual fee. Since we peg the average value of Marriott points at $0.009, this is worth around $270 when redeemed for hotel stays with Marriott brands.

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How much is it worth? Around $270 if redeemed for Marriott hotel nights

Who can earn it? The new cardmember bonus is not available to you if you currently have, or had, either the Marriott Bonvoy™ American Express® Card or the Starwood Preferred Guest® Credit Card from American Express within the last 30 days. The new cardmember bonus is also not available if you applied and were approved for, received a new cardmember bonus for, or received an 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® Luxury Card from American Express, Marriott Bonvoy Bevy™ American Express® Card.

Earn extra points on Marriott purchases

With the Marriott Bonvoy Bold® Credit Card you can Earn up to 14X total points for every $1 spent at 7,000+ hotels participating in Marriott Bonvoy® and 2X points on other travel purchases (from airfare to taxis and trains).

This breaks down as 10x base points per $1 as a Marriott Bonvoy member, 3X points by paying with your Marriott Bonvoy Bold® Credit Card, and 1X bonus points as a Silver elite member, courtesy of the card.

Given the plethora of other great travel credit cards available, these earning rates are fairly poor. It's a decent card to use for hotel stays, but cards such as the Citi Premier® Card or Capital One Venture Rewards Credit Card are better for travel purchases, plus everyday expenses such as groceries and gas. The Marriott Bonvoy Bold® Credit Card also trails other Marriott cards in terms of rewards per $1 spent.

Average rewards earned per $1 spent

We estimate an earning rate for the average consumer based on U.S. Bureau of Labor data and multiply that by the value of each card’s points or miles.

Redeem points for a fairly good value

You'll get the best value for your points when you redeem them for free nights at Marriott Bonvoy participating hotels. It's easy to use your points to book hotel stays online at marriott.com or through the Marriott Bonvoy app. Award pricing is dynamic, but you'll generally receive 0.9 cents per point this way. And, since Marriott Bonvoy has the largest hotel footprint of any rewards program, you should be able to find redemption options in most places that you want to travel.

Outside of award nights, you're limited to a few other low value redemption options, making the Marriott Bonvoy Gold card a good option only if you're committed to traveling with Marriott.

One useful way to redeem Marriott Bonvoy points is by transferring them to your favorite airline's frequent flyer program. Bonvoy points can be transferred to airline miles at a 3-to-1 ratio (with a couple exceptions) in increments of 3,000 points. However, you'll want to transfer in increments of 60,000 points, as Marriott rewards you with 5,000 bonus airline miles (excluding transfers to American, Avianca, Delta and Korean). Due to the companies' partnership, you'll receive a 10% bonus when transferring to United MileagePlus miles.

Redemption
Value of Marriott Bonvoy™ Points
Standard room night$0.009
Gift cards$0.0025-$0.0038
Point transfers to airlinesDepend on redemption; but points generally transfer at a 3:1 ratio to 40+ airlines.
Marriott Bonvoy momentsVaries. Depends on the individual package and final bid.
Donate$0.004
Savvy traveler tip: One useful way to redeem Marriott Bonvoy points is by transferring them to your favorite airline's frequent flyer program. Bonvoy points can be transferred to airline miles at a 3-to-1 ratio (with a couple exceptions) in increments of 3,000 points. Also, you'll receive a 10% bonus when transferring to United MileagePlus. As an example, you'll receive 27,000 United miles from a 60,000-point transfer. Based on our valuation of United miles, this redemption is worth about $325. This is only 60% of what you typically receive when redeeming for hotel stays, but it's a viable option if you don't want to spend points with Marriott.

Other Marriott Bonvoy Bold® Credit Card benefits

Although it's a bit lackluster in the points-earning department, the Marriott Bonvoy Bold® Credit Card shines when it comes to travel and purchase protection benefits.

  • No foreign transaction fees: Use your Marriott Bonvoy Bold® Credit Card outside the U.S. without incurring foreign transaction fees of up to 3%.
  • 15 elite night credits: Qualify for Silver elite status and get closer to Gold automatically every year with 15 elite night credits provided by your card.
  • Luggage insurance: Pay for travel with your Marriott Bonvoy Bold® Credit Card and be reimbursed up to $100 per day for five days in the event your luggage is delayed by more than six hours. If your luggage is damaged or lost, you're covered up to $3,000 per passenger.
  • Trip delay reimbursement: In the event your common carrier travel is delayed by more than 12 hours or requires an overnight stay, up to $500 of reasonable unreimbursed expenses, such as meals and lodging, are covered.
  • Purchase protection: Eligible new purchases are covered against damage or theft for 120 days from date of purchase, on up to $500 per item.

Alternatives to the Marriott Bonvoy Bold® Credit Card

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Annual Fee
$0
$95
$95
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Marriott Bonvoy Bold® Credit Card vs. Chase Sapphire Preferred® Card

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Earn points that can be transferred to Bonvoy

If you like staying with a variety of hotel chains and don't want to be locked into earning Marriott Bonvoy points, the Chase Sapphire Preferred® Card is a better choice than the Marriott Bonvoy Bold® Credit Card. The card's transferable Ultimate Reward points can be turned into Marriott points at a 1:1 ratio. You can also transfer them to IHG, Hyatt or any of several airline partners. The Chase Sapphire Preferred® Card earns 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

Marriott Bonvoy Bold® Credit Card vs. American Express® Gold Card

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Transferable points on dining and grocery shopping

If you're looking to earn more points on everyday expenses, the American Express® Gold Card could be a better choice than the Marriott Bonvoy Bold® Credit Card. The card earns American Express Membership Rewards points that can be transferred to a great array of hotel and airline partner programs, including Marriott Bonvoy. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. The main downside to the American Express® Gold Card is its $250 annual fee.

For rates and fees of American Express® Gold Card, please click here

Marriott Bonvoy Bold® Credit Card vs. Marriott Bonvoy Boundless® Credit Card

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Better welcome bonus and Marriott perks

The Marriott Bonvoy Boundless® Credit Card is a step-up from the Marriott Bonvoy Bold® Credit Card, making it a better choice for more frequent guests of Marriott brand hotels. The card offers a higher welcome bonus, an annual free night award and a better earnings rate. It does come with a $95 annual fee, versus the $0 annual fee of the Marriott Bonvoy Bold® Credit Card. With the current Marriott Bonvoy Boundless® Credit Card offer you can Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card! Not to mention, you'll Earn up to 17X total points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® and 2X points on all other purchases. Finally, enjoy 1 free night award every year after your account anniversary, valid for a redemption value up to 35,000 points.

Should you apply for the Marriott Bonvoy Bold® Credit Card?

If you're an occasional guest of Marriott hotels and don't want a card with an annual fee, the Marriott Bonvoy Bold® Credit Card is a good fit. The card is an entry-level hotel card with a decent welcome bonus and a few good perks, but it falls short in terms of its ongoing return on spend. Frequent guests of Marriott brand hotels would likely benefit more from other Marriott Bonvoy credit cards. The Marriott Bonvoy Boundless® Credit Card, also offered by Chase, offers a lot more bang for your buck.

For those who value flexibility, look for other travel credit cards that earn transferable points instead.

For rates and fees of American Express® Gold Card, please click here

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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