Chase
Marriott Bonvoy Bountiful Credit Card
Key Features
| Annual Fee | $250.00 |
| Sign-up Bonus | Earn 85,000 Bonus Points |
| Rewards Rate | Up to 18.5X, 4X, 2X 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 Bountiful Credit Card receives an overall rating of 1.8 (Poor). This rating reflects a card that, despite being backed by a reputable issuer (Chase) and offering some appealing perks for Marriott loyalists, suffers from a fundamentally flawed value proposition. Its high annual fee of $250 is widely considered unjustified by the benefits, especially when compared to other cards within the same Marriott Bonvoy portfolio. The most significant drawback is the requirement to spend $15,000 annually to earn a Free Night Award, a benefit that is offered automatically with the cheaper Marriott Bonvoy Boundless card. While the card offers strong earning rates on Marriott stays and specific spending categories like dining and groceries (4X on the first $15,000 annually), and provides automatic Gold Elite status, these positives are heavily overshadowed by its cost-benefit imbalance. The APR is also notably high for a card targeting 'Very Good' credit, and the absence of an introductory APR offer further diminishes its appeal. Expert reviews and user sentiment consistently describe the card as being in an 'awkward middle ground' and failing to make 'best of' lists due to its inferior value compared to its siblings. Its reputation is lukewarm at best, positioning it as a card with significant drawbacks for most potential cardholders. While it has niche appeal for a very specific type of traveler who can maximize the 1,000 bonus points per stay, its overall high cost and conditional key benefits make it a difficult card to recommend broadly.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on hotel stays and specific spending categories
- No foreign transaction fees
- Automatic elite status
- Valuable travel and purchase protections
- Opportunity for an annual free night award
Things to consider
- High annual fee
- High regular APR
- Rewards primarily focused on one hotel brand
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
- 15 Elite Night Credits each calendar year. Restrictions apply.
- Automatic Gold Elite Benefits: You will automatically receive Gold Elite Status each calendar year as a cardmember.
- No foreign transaction fees.
- Baggage Delay Insurance: Reimburses you up to $100 a day for up to 5 days when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement: Provides reimbursement up to $3,000 per covered traveler for lost, damaged or stolen baggage during a covered trip.
- Trip Delay Reimbursement: If common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered up to $500 per covered traveler for unreimbursed expenses.
- Purchase Protection: Covers eligible new purchases for 120 days 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: One-year complimentary DashPass. 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 (After purchase): No Interest — just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time (At checkout): May have the option to create a payment plan at checkout on Amazon.com for orders totaling $50 or more using an eligible Chase credit card.
- 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.