All about the free nights: A review of the Marriott Bonvoy Boundless credit card

Oct 23, 2019

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Update: Some offers mentioned below are no longer available. View the current offers here – Marriott Bonvoy Boundless Credit Card 

The Marriott Bonvoy Boundless Credit Card is a great choice for Marriott loyalists and independent travelers alike. Although it offers a solid return on eligible Marriott purchases (6x points) and everyday spending (2x) points, by far the best feature of this card is the anniversary free-night certificate worth up to 35,000 points and potentially several hundred dollars. Card Rating*: ⭐⭐⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Since the acquisition of SPG and launch of the Bonvoy loyalty program, Marriott has also revamped its portfolio of cobranded credit cards. Some new cards were launched while other old favorites were closed to new applicants, leaving the Marriott Bonvoy Boundless Credit Card by Chase as the only entry-level, mid-market personal card still available.

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael / The Points Guy.)

Marriott has a number of personal and business credit cards issued by Chase and Amex, and for the most part, the cards share a number of similarities. However, I’ll gladly open as many Bonvoy credit cards as I can get my hands on, thanks to the incredibly valuable anniversary free-night certificates they offer. The 35,000-point free night on the Bonvoy Boundless is easily enough to recoup the annual fee and then some, and for a limited time, the card is also offering an elevated 100,000-point welcome bonus after spending $5,000 on purchases in the first three months.

Unfortunately, the Bonvoy credit card portfolio features eligibility restrictions that will prevent many would-be cardholders from successfully applying. Let’s take a look at whether or not the Marriott Bonvoy Boundless deserves a spot in your wallet.

In This Post

Who is this card for?

Enjoy free breakfast with Marriott Platinum
Enjoy free breakfast during stays with Marriott Platinum status. (Photo by Summer Hull/The Points Guy.)

Although the 100,000-point welcome bonus on the Bonvoy Boundless is exciting, it also carries a decent opportunity cost. This card is restricted by Chase’s 5/24 rule, which means that you won’t be approved for the card if you’ve opened five or more credit cards (across all issuers) in the last 24 months. This means you aren’t just picking the Bonvoy Boundless card; you’re potentially choosing it over another Chase card. So this isn’t a card you should open haphazardly — you should have a plan for how you’re going to use the 100,000 points.

If you’re a Bonvoy Platinum or Titanium Elite, this bonus will get you much more value, as your stays will come with elite benefits such as suite upgrades and free breakfast. This card can also be a great choice if you plan to use the points for a valuable airline transfer to Korean Air, Alaska Airlines or Japan Airlines.

Further reading: When does it make sense to transfer Marriott points to airlines?

A limited-time 100,000-point welcome bonus

Let’s start with the most exciting part of any new credit card — the sign-up bonus. For a limited time, new applicants can earn 100,000 Marriott points after spending $5,000 in the first three months. TPG values Marriott points at 0.8 cents each, meaning this bonus is worth $800.

These 100,000 points open up the door to a bunch of interesting redemptions, including three nights at a Category 5 hotel at standard pricing. I think Category 5 is where you’ll find the most value in the new Bonvoy program, and it’s worth studying your options for those hotels to help you redeem your annual free-night certificate (but more on that later).

Unfortunately, there are restrictions that will stop many people from applying for this card. The first is Chase’s 5/24 rule, and the second is that Chase and Amex have cooperated to limit welcome bonus eligibility across all the Bonvoy credit cards, so even if you are under 5/24, you might not be allowed to use one of your slots for the Bonvoy Boundless.

Further reading: Am I eligible for a new Marriott Bonvoy card? This chart tells you yes or no

Perks

The Bonvoy Boundless comes with a $95 annual fee, but it should be easy to get several hundred dollars of value out of the various perks this card offers. In fact, of all the credit cards I carry, it’s easiest for me to justify paying an annual fee on the Bonvoy cards, including the Bonvoy Boundless.

Anniversary free-night award — Each year on account renewal, you’ll receive a free-night certificate worth up to 35,000 points. This includes almost any Category 1-5 hotel, although Category 5 hotels at peak pricing won’t be eligible. You can find a number of luxury St. Regis and Ritz-Carlton hotels, where you can use this certificate, and you’ll also find incredible flexibility in big cities, such as Chicago, that offer more than a dozen 35,000-point hotel choices. Check out a few of our favorite options here. TPG values 35,000 points at $280, nearly 3x your annual fee, but it’s possible to get much more value if you’re selective about redeeming your free night.

Automatic Silver Elite status — Silver status in the new Marriott program won’t get you posh penthouse suites, but it’s certainly better than nothing. Silver Elite members will get a 10% points bonus, late checkout and access to an elite reservation line. You can see the full breakdown of Marriott’s elite status tiers here.

15 Elite night credits annually — This benefit is shared by all Bonvoy credit cards, but it’s limited to one set of elite credits per Marriott account no matter how many credit cards you have. For those who have their sights set higher than Silver, this perk can be immensely valuable as it lowers the qualification threshold for Marriott Platinum status by 30%, from 50 nights a year to 35.

Together, these benefits represent a few hundred dollars in value each year and easily outstrip the $95 annual fee, which is why I’m happy to keep this card open year after year.

Further reading: 11 best uses of Marriott 35,000-point certificates for family vacations

Earning

The Marriott Bonvoy Boundless card earns 6x points on eligible Marriott purchases, the same as all the other Bonvoy credit cards (including the premium Marriott Bonvoy Brilliant™ American Express® Card). It earns 2x points on all other purchases, making it a decent option for everyday spending.

Based on TPG’s valuations, this works out to a 4.8% return on Marriott purchases and 1.6% everywhere else. On paper it would seem like you can do better using a Chase Sapphire Reserve for your hotel stays (and earning 3x Ultimate Rewards points or a 6% return), but you have to consider the value you can actually get from your Marriott points. As I mentioned before, Platinum and Titanium Elites get a much better return on their award redemptions thanks to a generous set of elite benefits, which is why I continue to pay for all my Marriott stays with a Bonvoy credit card.

Further reading: Which Marriott Bonvoy credit card is right for you?

Redeeming

Photo courtesy of Mira Moon hotel
Use your points at stunning Category 5 properties like the Mira Moon in Hong Kong. (Photo courtesy of the hotel.)

The Bonvoy Boundless isn’t the only card offering a limited-time, 100,000-point welcome bonus, and we’ve discussed a few of the best ways to redeem this specific bonus before. When it comes to maximizing your Marriott redemptions, there are a few strategies to keep in mind.

First of all, you’ll want to take advantage of the fifth night free on award stays whenever possible. This is an easy way to get a 20% discount and make your points stretch further. If you’re staying at Category 1 hotels and leveraging this benefit, you could even turn your Bonvoy Boundless sign-up bonus into 16 hotel nights that way. Or, you could find a Category 4 hotel like the W Bangkok and get exactly five nights (25,000 points a night plus the fifth night free).

I prefer to use my Marriott points for actual hotel stays, but Marriott also has a large list of 40 airline transfer partners. Points transfer at a 3:1 ratio with a 5,000-mile bonus for every 60,000 Marriott points transferred. This means that transferring 60,000 Marriott points to United Airlines, for example, would net you 25,000 miles.

If you’re going to transfer Marriott points to an airline, you should use this opportunity to top up on some otherwise hard-to-earn mileage currencies. Alaska Airlines, Korean Air and JAL are three fantastic examples of highly flexible and valuable miles that are hard to earn any other way. In fact, one of my favorite redemptions to date was transferring 195,000 Marriott points to 80,000 Korean Air SkyPass miles to book a first-class seat in the nose of the carrier’s 747-8.

Which cards compete with the Marriott Bonvoy Boundless?

The first lesson you learn when you start building a credit card strategy is how sacred your 5/24 slots with Chase are, so the Bonvoy Boundless has to pass a rigorous test to earn one of the spaces. If you don’t have one already, you should strongly consider opting for a Chase Sapphire Preferred Card first. You’ll pay the same $95 annual fee, and you’ll get a valuable welcome bonus of 60,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months. TPG values this bonus at $1,200 thanks to its immense flexibility, as you can transfer those points to any of Chase’s 13 hotel and airline transfer partners. You’ll continue to rack up points at a fast clip with 2x points on travel and dining, and enjoy trip delay and cancellation insurance, primary rental car insurance and baggage loss and delay insurance.

Even if you settle on a Bonvoy card as the next addition to your wallet, the Boundless might not be the best option. The Marriott Bonvoy Brilliant American Express Card carries a $450 annual fee (see rates and fees), but it can easily pay for itself over time. First of all, you’ll get up to a $300 annual Marriott property credit, which can be used toward room rates, effectively dropping your out-of-pocket cost to $150. Your anniversary free night with the Brilliant card is worth up to 50,000 points, literally one-upping the level of luxury you can experience. Instead of Silver status you get complimentary Marriott Gold status (which comes with a 25% points bonus, room upgrades and a welcome amenity) and the chance to upgrade to Platinum by spending $75,000 a year.

Bottom line

The Marriott Bonvoy Boundless card is in a bit of an odd bind; as one of two entry-level consumer credit card in the Bonvoy program (the no-annual-fee Marriott Bonvoy Bold Credit Card is the other), it’s the logical first choice for many Marriott travelers. But strict bonus restrictions and fierce competition from other Chase cards mean you should think hard before applying.

Still, if you’ve already built out your Chase trifecta and confirmed that you are eligible for this bonus, this card is a great addition. I have no trouble getting $250-$300 of value out of my anniversary free-night certificate, and if I can get that sort of return on a $95 investment each year, that’s an easy win.

For rates and fees of the Marriott Bonvoy Brilliant Amex, click here.

Marriott Bonvoy Boundless™ Credit Card

The Marriott Bonvoy Boundless card offers a lot of the same benefits and a great sign-up bonus. If you're looking to jump start your Bonvoy rewards earning, this card is a good option.

Apply Now
More Things to Know
  • Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • An additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X Bonvoy points per $1 spent at over 7,000 participating Marriott Bonvoy hotels.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No foreign transaction fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.