Chase
Marriott Bonvoy Bold® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 30,000 Bonus Points |
| Rewards Rate | Up to 14x Points |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Network | Visa |
About this card
The Marriott Bonvoy Bold® Credit Card earns an overall rating of 3.2 out of 5.0, positioning it as a 'Good' card. This rating reflects a card with exceptional value in its fee structure and strong rewards for a no-annual-fee product, balanced against a significant drawback in its APR. Its most compelling features are the **absence of an annual fee** (Fees Rating: 4.8/5.0) and **no foreign transaction fees**, making it highly accessible and cost-effective for international travelers. For a card with no annual fee, the **rewards program is notably strong** (Rewards Rating: 3.9/5.0), offering automatic Marriott Bonvoy Silver Elite Status, 5 Elite Night Credits annually, 3X points on Marriott stays, and 2X points on relevant everyday categories like groceries, rideshare, and streaming. The **sign-up bonus** (3.7/5.0) of 30,000 points is also competitive for its class, and Chase's **reputation** as an issuer (4.0/5.0) adds a layer of trust and reliability. These factors make it an excellent entry point into the Marriott Bonvoy ecosystem for budget-conscious travelers or those who prefer not to pay an annual fee. However, the card's major Achilles' heel is its **very high regular APR** (APR Rating: 1.5/5.0), ranging from 19.24% to 27.74% variable, with no introductory APR offer. This high interest rate significantly diminishes the card's overall value if a balance is carried, potentially negating any rewards earned. Therefore, this card is most suitable for individuals who are Marriott loyalists, value the no-annual-fee structure and associated benefits, and consistently pay their statement balance in full each month. For responsible cardholders who avoid interest charges, it offers solid value; for others, the high APR could quickly make it a costly option.
Pros & Cons
What's great
- No annual fee
- High rewards rate for hotel spending
- Bonus rewards on popular everyday spending categories
- Sign-up bonus
- No foreign transaction fees
- Automatic elite status and travel protection benefits
Things to consider
- No intro APR offer
- High regular APR
What this card offers
Sign-up bonuses
- Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold® Credit Card.
Rewards
- Earn up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy®.
- Earn 3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Credit Card.
- Plus, earn up to 10X points from Marriott Bonvoy® for being a member.
- Plus, earn up to 1X point from Marriott Bonvoy® with Silver Elite Status.
- Earn 2X points for every $1 spent on purchases at grocery stores.
- Earn 2X points for every $1 spent on rideshare and select food delivery.
- Earn 2X points for every $1 spent on select streaming, and internet, cable, and phone services.
- 3 points ("3X points"): You'll earn 3 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy®.
- 2 points ("2X points") in rewards categories: You'll earn 2 points for each $1 spent on purchases made in the following rewards categories: grocery stores; internet, cable, and phone services; select streaming services.
- 2 points ("2X points") on rideshare: You'll earn 2 points for each $1 spent on purchases made in the following rideshare rewards category: taxicabs and limousines.
- 2 points ("2X points") on select food delivery services: You'll earn 2 points for each $1 spent on purchases made directly through the following select food delivery services: doordash.com or the DoorDash mobile app; trycaviar.com or the Caviar mobile app; ubereats.com or the Uber Eats mobile app; postmates.com or the Postmates mobile app; grubhub.com or the Grubhub mobile app; seamless.com or the Seamless mobile app; delivery.com or the Delivery.com mobile app.
- 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases.
Other features
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Baggage Delay Insurance Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Trip Delay Reimbursement If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Visa Concierge Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
- Marriott Bonvoy Bold Cardmembers with access to Chase Pay Over Time can break up qualifying travel purchases into equal, monthly payments. Access to Chase Pay Over Time is not guaranteed.
- Available on purchases of $100-$5,000 made directly with an airline or at hotels participating in Marriott Bonvoy®.
- Pay no interest and no plan fees just equal monthly payments.
- Earn points on your purchases, like usual.
- Automatic Silver Elite Status Enjoy Automatic Silver Elite Status with Marriott Bonvoy® that renews each calendar year with benefits like Priority Late Checkout (where available) & 10% More Points on Stays at hotels participating in Marriott Bonvoy®.
- Plus, you'll receive 5 Elite Night Credits every calendar year.
- Pay Yourself Back® Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Points can be redeemed for a statement credit in any increment, towards qualifying purchases with Pay Yourself Back at a value of $100 for every 12,500 points.
- Contactless - Just Tap To Pay
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless.
- Apply for a card, use it the same day
- Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly.
- DoorDash Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate.
- Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Refer Friends if you already have a Marriott Bonvoy Bold® Credit Card!
- Earn up to 200,000 Bonus Points per year. You can earn 40,000 Bonus Points for each friend that gets approved for any Marriott Bonvoy® Credit Card.
Additional Notes
Visa Signature card: Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card. Access to Chase Pay Over Time is not guaranteed.

