Marriott Bonvoy Boundless credit card review: Worth keeping year after year
Editor’s note: This is a recurring post, regularly updated with new information and offers.
Marriott Bonvoy Boundless Credit Card overview
Even if you aren’t a Marriott loyalist, it may be worth considering the Marriott Bonvoy Boundless Credit Card with its welcome offer of 100,000 welcome bonus points after spending $3,000 in the first three months from account opening. Card Rating*: ⭐⭐⭐⭐
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Marriott offers a diverse credit card portfolio issued by both Chase and American Express. However, the Marriott Bonvoy Boundless Credit Card from Chase is the only entry-level, mid-market personal Marriott Bonvoy card available to new applicants.
The Bonvoy Boundless card is currently offering a welcome bonus of 100,000 welcome bonus points after spending $3,000 in the first three months from account opening.
Let’s take a closer look at whether the Marriott Bonvoy Boundless deserves a spot in your wallet.
Application link: Marriott Bonvoy Boundless Credit Card with a welcome offer of 100,000 welcome bonus points after spending $3,000 in the first three months from account opening.
Who is this card for?
Although the current offer on the Bonvoy Boundless card is enticing, Chase’s 5/24 rule means the issuer likely won’t approve you for the card if you’ve opened five or more credit cards across all issuers in the last 24 months.
That means you’re potentially choosing the Bonvoy Boundless over another Chase card if you plan to apply for multiple rewards cards per year. Therefore, you should have a strategy for how you’re going to use this specific card and its welcome offer before you apply.
If you have Marriott Bonvoy Platinum Elite or higher status, though, this bonus can get you much more value than its points’ worth alone. After all, as a high-level elite, you might be able to leverage perks such as suite upgrades and free breakfast to maximize your stays even more.
Finally, this card can also be an excellent addition to your wallet for purposes beyond hotel stays since you can transfer Marriott points to valuable airline partners such as Korean Air, Alaska Airlines and Japan Airlines.
Related: What credit score do you need to get the Marriott Bonvoy Boundless credit card?
Welcome offer: Estimated $840 value
Now, let’s consider the most exciting part of any new credit card: the welcome offer.
Right now, new applicants will earn 100,000 welcome bonus points after spending $3,000 in the first three months from account opening. Based on TPG’s valuation of Marriott points at 0.84 cents each, this bonus is worth $840 — a solid way to kick-start any vacation.
Read more: What effect did Marriott’s changes really have on the value of Bonvoy points?
Main benefits and perks
The Bonvoy Boundless comes with a $95 annual fee, but it should be easy to get several hundred dollars’ in value out of the card’s perks every year. Here are the major perks to consider.
Anniversary free night award
Each year on account renewal, you’ll receive a reward night certificate worth up to 35,000 points a night. You can also top off your certificate with up to 15,000 additional points, making it potentially worth 50,000 points.
TPG’s valuations peg the value of 35,000 Marriott points at $294, nearly three times the $95 annual fee. But it’s possible to get even more value if you’re selective about redeeming your reward night.
Even if you redeem your reward night certificate for a lower value, you should have no trouble recouping your entire annual fee from this perk alone. For example, you could redeem a 35,000-point reward night certificate for a night at the Westin Savannah in Georgia (around $200 per night). With this one benefit, you could cover the card’s annual fee and get more than $100 in excess value from the reward night certificate to boot.
Note that you'll have to be strategic with your redemptions with Marriott's shift to dynamic pricing resulting in increased rates and making some nights cost more than others.
Related: Six great uses of Marriott 35,000-point reward night certificates
Automatic Silver Elite status
Silver Elite status with Marriott won’t get you posh penthouse suites, but it’s better than nothing. Silver Elite members get a 10% points bonus on stays, late checkout and free Wi-Fi.
The Bonvoy Boundless also offers a path to Gold Elite status by spending $35,000 on purchases each calendar year. However, you’ll usually be better off earning higher status organically via the Boundless’ 15 elite night credit as well as some stays booked directly with Marriott. If you want a card that provides complimentary Gold Elite status with Marriott, consider The Platinum Card® from American Express, or The Business Platinum Card® from American Express (enrollment required).
As of earlier this year, you’ll also get one elite night credit toward status for every $5,000 you spend on purchases with the Bonvoy Boundless, so this could be another pathway toward higher status.
15 elite night credits annually
Many Bonvoy credit cards share this benefit. But, this perk can be immensely valuable if you’re aiming for a higher tier of status with Marriott Bonvoy.
You can get one set of elite night credits from a Marriott personal card and one more set of elite night credits from a Marriott business card. So, with the Bonvoy Boundless alone, you’d only need to stay 35 nights (instead of 50) to earn Platinum Elite status. But, if you have the Bonvoy Boundless and a Marriott business card like the Marriott Bonvoy Business® American Express® Card, you can get 30 elite night credits each year just from credit cards.
Related: Does it make sense to hold multiple Marriott Bonvoy credit cards?
Together, the above benefits represent a few hundred dollars in value each year and easily outpace the $95 annual fee. But, the card also offers a few other perks:
- Baggage delay insurance: If a passenger carrier delays your baggage for over six hours, Chase may reimburse you for essential purchases up to $100 a day for five days.
- Lost luggage reimbursement: If a passenger carrier damages or loses your checked or carry-on luggage, Chase may reimburse you up to $3,000 per passenger.
- Trip delay reimbursement: If you are delayed by more than 12 hours or required to stay overnight when traveling by a common carrier, Chase may reimburse you for select, otherwise unreimbursed expenses up to $500 per ticket.
- Purchase protection: Chase covers most new purchases for 120 days against damage or theft, up to $500 per claim (capped at $50,000 per account).
- No foreign transaction fees.
Related: Here are your odds of your bag being delayed or lost
How to earn points
The Marriott Bonvoy Boundless card earns points at the following rates:
- 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program.
- 3 points per dollar on the first $6,000 spent in combined purchases each year on grocery stores, gas stations and dining.
- 2 points per dollar on all other purchases.
Based on TPG’s valuations, these rates equate to a 4.8% return on Marriott purchases and 1.6% everywhere else.
On paper, you can do better using the Chase Sapphire Reserve for Marriott stays. After all, the Chase Sapphire Reserve earns 3 Ultimate Rewards points per dollar (for a 6% return based on TPG’s valuations) on travel purchases, including hotels.
But, you have to consider the value you can get from your Marriott points. Platinum and Titanium Elites get a much better return on their award redemptions thanks to a great set of elite benefits. So if you have a higher tier of status, you might want to pay for frequent Marriott stays with a Bonvoy credit card to earn 6 points per dollar instead of earning another type of reward points.
Related: 17 ways to earn lots of Marriott Bonvoy points
How to redeem points
Of course, the most obvious way to redeem Marriott Bonvoy points is for stays at hotels. But when it comes to maximizing your Marriott redemptions, there are a few strategies to keep in mind. First, you’ll want to take advantage of a fifth night free on award stays whenever possible. The fifth-night benefit is an easy way to get up to a 20% discount on your redemption and stretch your points even further.
Don’t forget that Marriott also has 40-plus airline transfer partners, including some interesting frequent-flyer programs with otherwise hard-to-earn miles.
Points transfer to most airlines at a 3:1 ratio with 5,000-mile bonuses for every 60,000 Marriott points transferred. So, transferring 60,000 Marriott points to Alaska Airlines, for example, would net you 25,000 miles. However, note that most transfers take at least a few days, so if award availability is scarce, the ticket you want to book may be gone by the time the transfer completes.
Alaska Airlines, Korean Air and Japan Airlines are three excellent examples of highly flexible and valuable miles that are hard to earn in other ways. So, for instance, you could convert 195,000 Marriott points to 80,000 Korean Air SkyPass miles and book a first-class seat in the nose of Korean Air’s Boeing 747-8 one-way between the U.S. and South Korea.
Related: How to redeem points with the Marriott Bonvoy program
Which cards compete with the Marriott Bonvoy Boundless?
The first lesson you learn when building a credit card strategy is how sacred your 5/24 slots with Chase are.
So, if you don’t have one already, you should strongly consider the Chase Sapphire Preferred Card first. You’ll pay the same $95 annual fee as the Bonvoy Boundless and you’ll get a valuable sign-up bonus of 60,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months from account opening.
TPG values this bonus at $1,200 thanks to its immense flexibility. You can transfer those points to any of Chase’s three hotels and 11 airline transfer partners, including Marriott Bonvoy. And, you’ll continue to rack up points at a fast clip with 2 points per dollar on travel and 3 points per dollar on dining and on online grocery purchases (excluding Target, Walmart and wholesale clubs) plus select streaming services.
Even if you decide to add a Marriott Bonvoy card to your wallet, the Boundless Card might not always be the best option.
The Marriott Bonvoy Brilliant® American Express® Card carries a $650 annual fee (see rates and fees), but it can quickly pay for itself. The card recently added an up to $25 monthly dining statement credit (equating up to a total value of $300 per year). This new dining credit replaced the $300 annual statement credit for use at hotels participating in the Marriott Bonvoy program.
In addition to the dining credit, the Bonvoy Brilliant introduced a few other new benefits, including an annual reward night valid at hotels participating in the Marriott Bonvoy program costing up to 85,000 points a night, complimentary Platinum Elite status and 25 elite night credits per year
The current welcome offer on the Brilliant is 95,000 Marriott Bonvoy bonus points after you make $5,000 in eligible purchases within the first three months of cardmembership.
Lastly, there are two new cards: the Marriott Bonvoy Bevy™ American Express® Card and the Marriott Bonvoy Bountiful Card from Chase, both offering a welcome bonus of 85,000 Marriott Bonvoy points after you spend $4,000 in eligible purchases on the card in the first three months.
These cards have the same earning structure, including 6 points per dollar at Marriott Bonvoy hotels, 4 points per dollar at restaurants worldwide and U.S. supermarkets (up to $15,000 per year, then 2 points thereafter on the Bevy card) and 2 points per dollar on all other purchases. Both cards carry a $250 annual fee (see rates and fees for the Bevy) and offer automatic Gold Elite status, making them a nice mid-range option for Marriott loyalists.
The information for the Marriott Bonvoy Bountiful Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Marriott Bonvoy Boundless vs. Bonvoy Brilliant: Which card is right for you?
The Marriott Bonvoy Boundless Credit Card is in an interesting spot. One of two entry-level consumer credit cards in the Bonvoy program (the no-annual-fee Marriott Bonvoy Bold Credit Card is the other), the Boundless is 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, the Bonvoy Boundless can be an excellent addition to a wallet. You should have no trouble getting $200-$300 of value out of your anniversary reward night certificate alone, which is a pretty great return on the $95 investment of the card’s annual fee.
Plus, the current welcome offer is a great way to boost your Marriott balance.
Official application link: Marriott Bonvoy Boundless Credit Card with a welcome bonus of 100,000 welcome bonus points after spending $3,000 in the first three months from account opening.
For rates and fees of the Marriott Bonvoy Brilliant Amex, click here.
For rates and fees of the Marriott Bonvoy Bevy Amex, click here.
Additional reporting by Ryan Wilcox, Stella Shon, Chris Dong and Christina Ly.