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Marriott Bonvoy Boundless™ Credit Card review

A signup bonus worth 175,000 points and annual free nights make this mid-tier card shine.

finder.com’s rating: 4.3 / 5

★★★★★

  • Get this card if you frequently stay at Marriott Bonvoy hotels.
  • Pick something else if you don’t want to pay an annual fee.
  • Apply with good to excellent score of 670 or higher.

Up to 17x

Points

$95

Annual fee

15.99% to 22.99%

Purchase APR (variable)

670

Recommended credit score

Details

Annual fee$95
Welcome Offer3 free nights after spending $3,000 in the first 3 months, plus 10x points on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores in the first 6 months
RewardsUp to 17x points at Marriott Bonvoy hotels and 2x points on all other purchases
Purchase APR15.99% to 22.99% variable
Balance transfer APR15.99% to 22.99% variable
Recommended minimum credit score670
IssuerVisa
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Marriott Bonvoy Boundless™ Credit Card is Marriott’s mid-tier card with a few generous features you might not expect for the annual fee. For the $95 annual fee, you’ll earn 17x points on Marriott purchases, 2x points on everything else, a variety of Marriott perks and a signup bonus of bonus points. The card also offers a welcome offer of 3 free nights, each valued up to 50,000 points, after you spend $3,000 within your first 3 months of account opening and 10x points on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening.

Picking up the Marriott Bonvoy Boundless™ Credit Card grants you Silver Elite status for free, boosting the points you earn for staying at Marriott properties by 10% of the base rate. So really, you might look at this card as earning you almost 19x points on Marriott purchases rather than 17x points. Other benefits include a free night award every year on your card anniversary, priority late checkout, free Wi-Fi and more. All of these features more than make up for the $95 cost of the card.

If you often stay at hotels and resorts in the Marriott portfolio and you’re looking for a great entry point in the Marriott Bonvoy program, this card is an excellent first step.

How to apply for the Marriott Bonvoy Boundless™ Credit Card

Upon applying, you’ll typically get an instant decision on your application. If Chase requires additional information you’ll have to wait up to 30 days. Your card and any welcome materials should arrive within seven to 10 business days once you’re approved.

  1. Learn more about how to apply for Marriott Bonvoy Boundless™ Credit Card.
  2. Fill out the application form with all requested information, including your date of birth and Social Security number.
  3. Review your application and submit.

What should I know before I apply?

To apply for the card, you must be a US citizen and at least 18 years old, 19 in Alabama and Nebraska and 21 in Puerto Rico.

Also, you need to provide the following information:

  • Your name, phone number and address
  • Date of birth and Social Security number
  • Annual income and source of income

Marriott Bonvoy Boundless™ Credit Card benefits

  • Reward points. Earn 17x points at more than 7,000 participating Marriott Bonvoy hotels. Everything else you buy earns 2x points. You can use these points in the Marriott Bonvoy rewards program on a variety of redemption options.
  • Signup bonus. Earn 3 free nights worth up to 50,000 points each after you spend $3,000 in your first 3 months. You’ll also earn 10x points on up to $2,500 spent on gas stations, restaurants, and grocery stores within 6 months from account opening.
  • Free Night Award. Every year after your card anniversary, enjoy a free night award valid for properties worth up to 35,000 points for one stay. You can claim your first reward night 12 months after you open your account.
  • Silver Elite status. Earn Silver Elite status just by being a cardmember. This gives you benefits like 10% more points on your stays, priority late checkout, free Wi-Fi and more. If you spend $35,000 in a year, you’ll upgrade to Gold Elite status and get all Silver benefits plus room upgrade when available, a welcome gift of points and more.
  • No foreign transaction fee. Use the card freely when traveling abroad without paying any fees on foreign transactions.
  • Visa concierge. Enjoy complimentary Visa Signature concierge service 24/7. Get help with tickets to sports and entertainment events, dinner reservations, picking out the perfect gift and more.
  • High minimum credit line. Your credit line depends on multiple factors, but with this card, you won’t get a credit line lower than $5,000.

Marriott Bonvoy Boundless™ Credit Card drawbacks

  • Annual fee. You’ll pay a $95 annual fee to own the card. But if you frequently stay at participating Marriott Bonvoy hotels, you can offset the annual fee many times over.
  • Signup bonus eligibility. If you’ve held this card or the Marriott Rewards® Premier credit card in the last two years, you may not be eligible to get the new signup bonus.
  • No intro APR period. The card doesn’t have a 0% intro APR period. If you’re looking to move your balance and consolidate your debt or make a large purchase and carry your balance interest-free, look for a 0% intro APR card.

Compare travel rewards credit cards

For a better idea of how the Marriott Bonvoy Boundless™ Credit Card stacks up against the competition, select up to 4 cards and click Compare to see their features side-by-side.

Name Product Welcome offer Rewards Annual fee Filter values
Hilton Honors American Express Card
100,000 points after spending $1,000 in the first 3 months, plus earn up to $100 in statement credits on eligible purchases at Hilton hotels in the first 12 months. Offers expire 8/25/2021
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
Chase Sapphire Reserve®
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
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Compare up to 4 providers

How much rewards can I earn with the Marriott Bonvoy Boundless™ Credit Card?

Suppose you spend $10,000 annually on participating Marriott Bonvoy hotels, and $10,000 on all other purchases with this card, you would earn 80,000 points. One point can be worth anywhere from 0.5 cents up to 1.1 cents depending on how you redeem it.

If you clear the signup bonus, that’s three nights worth up to 150,000 points. Combined with the 80,000 points, that’s 230,000 points in your first year. Once you pay the annual fee, your points could be worth $2,069 on average.

If your spending pattern is similar and you use your free night award, worth up to 35,000 points, after you pay for the annual fee you’d earn a redemption value of $690 on average from the second year. You can read more about all the ways to earn Marriott Bonvoy points on our full guide.

How do I redeem rewards from Marriott Bonvoy Boundless™ Credit Card?

With the Marriott Bonvoy Boundless™ Credit Card you can earn Marriott Bonvoy points on your purchases to redeem for hotel stays at participating properties and gift cards. You can share your points or you can transfer them to airline miles in 3:1 ratio — meaning three Marriott points for one airline mile.

You can read more about the best way to redeem Marriott points on our full redemption guide.

Marriott Bonvoy Boundless™ Credit Card reviews and complaints.

Card members love the rewards offered by this card, especially the signup bonus and the annual bonus night. Some claim it’s the main reason they applied for the card.

As of October 2020, Chase credit card division is rated A+ by the Better Business Bureau, though Chase is not accredited by the bureau. Most complaints there revolve around poor customer service and high interest rates. Be sure to read over your credit card agreement and understand the terms to avoid surprises. If you’re stuck with a higher APR, paying off your balance each month will help you avoid getting hit with large interest charges.

Bottom line

The Marriott Bonvoy Boundless™ Credit Card can be a solid choice to anyone who’s a frequent visitor at Marriott Bonvoy hotels. You earn points on your purchases and you get a free night award each year on your anniversary. This alone is enough to offset the annual fee.

However, if you find that this card is not for you, compare other travel credit cards to get the full scope of your options.

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