Chase
Marriott Bonvoy Bold® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 60,000 Bonus Points |
| Rewards Rate | Up to 14X points |
| Regular APR | 19.24%–27.74% 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 product that offers exceptional value in its fee structure and a very strong rewards program for a no-annual-fee card, but it is significantly hampered by a very high APR. **Strengths:** The card's most compelling features are its **$0 annual fee** (Fees Rating: 4.8/5.0) and **no foreign transaction fees**, making it highly accessible and cost-effective for both domestic and international use. For a card with no annual fee, the **rewards program is notably strong** (Rewards Rating: 4.3/5.0). It offers a generous **60,000 bonus points** after spending $1,000 within 3 months, automatic Marriott Bonvoy Silver Elite Status, and 5 Elite Night Credits annually—perks often associated with cards carrying an annual fee. The earning structure is also robust, with 3X points on Marriott stays and 2X points on everyday categories like grocery stores, rideshare, and select streaming/internet services. Chase's **reputation** as an issuer (4.3/5.0) further contributes to its appeal, providing reliability and trusted customer service. **Weaknesses:** The card's primary drawback 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 can quickly erode the value of any rewards earned if a balance is carried, making it a costly option for those who do not pay their statement in full each month. While its rewards are strong for a no-annual-fee card, it lacks premium benefits like an annual free night award or higher elite status often found on its annual-fee counterparts. **Target Audience & Value Proposition:** This card is best suited for budget-conscious Marriott loyalists or new travelers who are strictly averse to annual fees and consistently pay their balances in full. For responsible cardholders, it offers a solid gateway into the Marriott Bonvoy ecosystem with valuable benefits at no annual cost. However, for anyone prone to carrying a balance, the high APR significantly diminishes its overall value, making it less recommendable.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on hotel stays and select categories
- Automatic elite status and hotel loyalty perks
- No foreign transaction fees
- Travel insurance benefits
Things to consider
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn 60,000 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.
Other features
- Travel Now, Pay Later: 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 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®.
- 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.
- No foreign transaction fees.
- 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.
- Contactless - Just Tap To Pay.
- Spend Instantly: Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- DoorDash: Get one-year complimentary DashPass that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- DoorDash: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Chase Pay Over Time: After purchase (formerly My Chase Plan): Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time: At checkout: Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
Additional Notes
LIMITED-TIME OFFER