Chase
Marriott Bonvoy Bountiful® Credit Card
Key Features
| Annual Fee | $250.00 |
| Sign-up Bonus | 85,000 Bonus Points |
| Rewards Rate | Up to 18.5X, 4X, 2X Points |
| Regular APR | 19.24%–27.74% variable APR. |
| Network | Visa |
About this card
The Marriott Bonvoy Bountiful® Credit Card earns a 'Fair' overall rating of 2.2 out of 5.0. This score reflects its significant struggle to justify its high $250 annual fee, particularly when compared to other offerings within the Marriott Bonvoy portfolio. While the card benefits from the stellar reputation of its issuer, Chase, and offers some appealing perks for Marriott loyalists, its core value proposition is widely criticized by financial experts and consumers alike. The most prominent weakness is the card's value for money. Its $250 annual fee is notably high for the benefits provided, especially considering the crucial Free Night Award is conditional, requiring $15,000 in annual spending. This directly contrasts with the Marriott Bonvoy Boundless® Credit Card, which offers a similar Free Night Award automatically each year for a much lower $95 annual fee. This disparity makes the Bountiful card an 'awkward middle-child' with 'Premium Price, Pedestrian Perks,' as frequently noted in expert reviews and user discussions. Financially, the card underperforms with a 'Poor' APR Rating of 1.5. It features a high variable regular APR (19.24%-27.74%) and, critically, offers no introductory APR period. This makes it a very expensive option if a balance is carried, severely detracting from its appeal for many cardholders. The Fees Rating of 2.5 is primarily dragged down by the high annual fee and the perceived lack of commensurate value, despite the positive inclusion of no foreign transaction fees. While the Rewards Rating of 2.8 indicates solid earning potential for dedicated Marriott users (up to 18.5X at Marriott, 4X on the first $15,000 for groceries/dining) and includes valuable benefits like automatic Gold Elite status and a generous sign-up bonus, these positives are overshadowed by the card's high cost and the conditional nature of its key annual perk. The reputation analysis confirms this sentiment, showing limited inclusion in 'best credit card' lists and consistent user confusion over its purpose. In summary, the Marriott Bonvoy Bountiful® Credit Card fails to carve out a compelling niche. Its strengths are not robust enough to overcome its significant annual fee, restrictive free night award, and unfavorable APR, leading to its 'Fair' overall assessment.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate for hotel stays and common purchases
- Automatic elite status
- No foreign transaction fees
- Valuable travel and purchase protections
- Annual free night award
Things to consider
- High annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
Rewards
- up to 18.5X total points at hotels participating in Marriott Bonvoy
- Earn 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy with the Marriott Bonvoy Bountiful® Credit Card.
- Plus, earn up to 10X points from Marriott Bonvoy for being a member.
- Plus, earn up to 2.5X points from Marriott with Gold Elite Status, a benefit you qualify for by being a Marriott Bonvoy Bountiful® Cardmember.
- Earn 4X points for every $1 on the first $15,000 in combined purchases annually on grocery stores and dining.
- Earn 2X points for every $1 you spend on all other purchases and your points don’t expire as long as you make purchases on your credit card every 24 months.
- Earn 1,000 Bonus Points per eligible stay at hotels participating in Marriott Bonvoy.
Other features
- Receive 15 Elite Night Credits each calendar year. Restrictions apply.
- You will automatically receive Gold Elite Status each calendar year as a cardmember.
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- 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.
- 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.
- 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.
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- 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.
- 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.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- After purchase: 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.
- At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
- As a Marriott Bonvoy Bountiful® Cardmember, you'll enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one night hotel stay at a property with a redemption level of up to 50,000 points. Certain hotels have resort fees.