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 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. |
| Other Fees | No foreign transaction fees |
| Network | Visa |
About this card
The Marriott Bonvoy Bountiful® Credit Card earns a 'Fair' overall rating, sitting at 2.2 out of 5.0, primarily due to its significant struggle to justify its high $250 annual fee amidst better alternatives and its poor standing in market reputation. While issued by the reputable Chase, the card's individual benefits, when weighed against its cost and direct competitors, fall short. The most critical weakness is the card's value proposition. The requirement to spend $15,000 annually to earn a Free Night Award is a major detractor, especially when the Marriott Bonvoy Boundless® Credit Card, with a much lower $95 annual fee, offers a similar free night automatically each year. This makes the Bountiful card's key perk appear conditional and overpriced. This sentiment is strongly echoed in expert reviews and user discussions, where the card is frequently dismissed as an 'awkward middle-child' with 'Premium Price, Pedestrian Perks.' Financially, the card also underperforms. Its APR Rating of 1.5 reflects a high variable regular APR (19.24%-27.74%) with no introductory APR period, making it an expensive option if a balance is carried. The Fees Rating of 2.5 is negatively impacted by the $250 annual fee, which struggles to be offset by the benefits it offers, despite the positive inclusion of no foreign transaction fees. While the Rewards Rating of 2.8 indicates solid earning potential for Marriott loyalists (up to 18.5X at Marriott, 4X on the first $15,000 for groceries/dining), and benefits like automatic Gold Elite status are appealing, their value is diminished by the high annual fee and the superior offerings of other Marriott cards. Ultimately, the Marriott Bonvoy Bountiful® Credit Card fails to carve out a compelling niche. It is consistently overlooked in 'best credit card' lists and receives little positive user attention. Its strengths are largely overshadowed by its high cost, conditional benefits, and the existence of more attractive options within its own co-branded family.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel, dining, and groceries
- No foreign transaction fees
- Automatic hotel elite status and benefits
- Travel and purchase protections
- Access to additional lifestyle perks
Things to consider
- High annual fee
- No intro APR period
- High regular APR
What this card offers
Sign-up bonuses
- 85,000 Bonus Points
- 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.
Other features
- Earn 1,000 Bonus Points per eligible stay at hotels participating in Marriott Bonvoy®.
- 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.
- 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.
- 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.
- 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. Find out how at chase.com/digital/spend-instantly.
- 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. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- 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. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card activity.
- 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.