Chase
Marriott Bonvoy Bold® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 45,000 Bonus Points |
| Rewards Rate | 1X-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 3.5 out of 5.0, positioning it as a 'Good' credit 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 its appeal is significantly hampered by a very high APR. It is an excellent choice for a specific user profile, but not a universal recommendation. **Strengths:** The card's most compelling features are its **$0 annual fee** (Fees Rating: 4.9/5.0) 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 very generous 45,000 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 is solid, providing reliability and trusted customer service, further bolstering the card's perceived value within its niche. **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, which is frequently cited in its market reputation. **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. It also serves well as a 'keeper card' or a downgrade option from higher-tier Marriott cards. However, for anyone prone to carrying a balance, the high APR significantly diminishes its overall value, making it much less recommendable. **Summary of Strengths and Weaknesses:** **Strengths:** * No annual fee * No foreign transaction fees * Generous sign-up bonus for a no-annual-fee card * Strong everyday earning categories (grocery, rideshare, streaming) for its class * Automatic Marriott Bonvoy Silver Elite Status and 5 Elite Night Credits annually * Travel and purchase protections * Issued by a reputable financial institution (Chase) **Weaknesses:** * Very high regular APR (19.24% - 27.74% variable) * No introductory APR period * Lacks premium benefits (e.g., annual free night award) offered by Marriott cards with annual fees * Not suitable for cardholders who carry a balance due to high interest costs
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on travel purchases
- Rewards on common spending categories
- No foreign transaction fees
- Automatic elite status with hotel chain
- Travel and purchase protections
- Complimentary dining/delivery subscription
Things to consider
- No intro APR period
- High regular APR
What this card offers
Sign-up bonuses
- Earn 45,000 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.
- You'll earn 1 point for each $1 spent on all other purchases.
Other features
- 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.
- 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.
- 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.
- 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.
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- 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.
- 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.
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.