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

When Marriott Rewards, Starwood Preferred Guest and Ritz-Carlton Rewards combined and rebranded as Marriott Bonvoy, Marriott took the opportunity to overhaul its credit card portfolio with new products from both American Express and Chase.

The Marriott Bonvoy Brilliant™ American Express® Card, the Marriott Bonvoy Business™ American Express® Card and the Marriott Bonvoy Boundless Credit Card all launched with 100,000-point welcome bonuses. Now the only Marriott Bonvoy card still offering 100,000 points (after you spend $5,000 in the first 3 months) for signing up is the Marriott Bonvoy Boundless Credit Card from Chase. The two American Express cards now offer welcome bonuses of just 75,000 points after spending $3,000 in the first three months.

If you’ve been holding off on applying for the Marriott Bonvoy Boundless, now might be the time to do so, as the six-figure bonus is only in effect until May 16. After that, we might see this card’s welcome bonus slip down to 75,000 points like the others, and there’s no telling if or when any of their bonus offers will be raised.

Which Card Do You Have?

One reason you might hesitate is if you already have the Marriott Bonvoy American Express Card, which is closed to new applicants. That might preclude you from applying or earning the welcome bonus for Chase’s Marriott Bonvoy Boundless Credit Card from Chase. The Amex version might be worth hanging onto thanks to the current limited-time opportunity to earn 100,000 bonus points based on spending. More on that in the card details below.

Another reason for pause: If you were thinking of applying for the Marriott Bonvoy Brilliant American Express Card, doing so would also make you ineligible for the Marriott Bonvoy Boundless Credit Card. However, the Brilliant card has an annual fee of $450 (see rates & fees) compared to the $95 Boundless one, and there are some other major differences as well.

For now, let’s look at how the Marriott Bonvoy American Express and Marriott Bonvoy Boundless compare, which one might be right for your needs, and whether you are eligible to apply.

Marriott Bonvoy Boundless Credit Card from Chase

 

Marriott Bonvoy American Express Card

 

Welcome Bonus 100,000 points after spending $5,000 in 3 months None (no longer open for applications)
Annual Fee $95 $95
Earning 6x points at Marriott; 2x on everything else 6x at Marriott; 2x on everything else. Special bonus of up to 100,000 points for spending $100k in 2019
Annual Free Night Certificate Free night worth up to 35,000 points Free night worth up to 35,000 points
Elite Status Automatic Silver; Gold with $35k calendar year spend Automatic Silver; Gold with $35k calendar year spend
Foreign Transaction Fees None None
Travel Benefits Lost luggage up to $3,000; trip delay up to $500 Premium in-room internet; Boingo Wi-Fi plan; lost luggage up to $1,250
Purchase Protection $500 per claim up to $50k per year $1,000 per claim up to $50k per year
Extended Warranty 1 year 2 years

 

Below, we’ll get into details for each card.

Marriott Bonvoy Boundless Credit Card 

The only Marriott Bonvoy credit card from Chase that’s available for new applicants is the Boundless. It has several compelling benefits, especially that 100,000-point welcome bonus. You can read our full card review, but here are the highlights:

  • Current welcome bonus: 100,000 bonus Marriott Bonvoy points after you use your card to make $5,000 in purchases within the first three months. This is available until May 16.
  • Annual fee: $95
  • Earning: 6 points at participating Marriott Bonvoy hotels; 2 points on everything else.
  • Free award night: Each year after your account anniversary, get a free award night that can be redeemed at properties costing up to 35,000 points.
  • Complimentary Silver elite status: Card holders receive 15 nights of elite credit each year, enough for Silver status with Marriott Bonvoy, and just 10 short of Gold status. Upgrade to Gold status after spending $35,000 on the card in a calendar year.
  • No foreign transaction fees
  • Premium on-property internet access: Enjoy complimentary in-room, premium Wi-Fi access while staying at participating Marriott Bonvoy hotels beginning in August.
  • Travel benefits: Trip delay reimbursement up to $500. Up to $3,000 for lost luggage.
  • Purchase benefits: Purchase protection max of $500 per claim and $50,000 per account. Warranty extension of up to one year.

Eligibility

When it comes to who can apply for this card and/or earn its welcome bonus, there’s a lot of fine print. The short version is if you have, recently had or recently applied for one of the other Marriott Bonvoy cards, you might have issues applying for and earning the welcome bonus for this one.

While this card is available to new applicants, you will not qualify if you fall under either of the following categories:

  • Current cardholders of the Marriott Bonvoy Premier credit card (also known as Marriott Rewards Premier) or Marriott Bonvoy Boundless credit card (also known as Marriott Rewards Premier Plus)
  • Previous cardholders of the Marriott Bonvoy Premier credit card (also known as Marriott Rewards Premier) or Marriott Bonvoy Boundless credit card (also known as Marriott Rewards Premier Plus) who received a new cardmember bonus within the last 24 months.

You are not eligible for the welcome bonus if:

  • You are a current cardholder, or were a cardholder within the last 30 days, of Marriott Bonvoy American Express Card (also known as The Starwood Preferred Guest Credit Card from American Express).
  • You are a current or previous cardholder of either Marriott Bonvoy Business American Express Card (also known as The Starwood Preferred Guest Business Credit Card from American Express) or Marriott Bonvoy Brilliant American Express Card (also known as the Starwood Preferred Guest American Express Luxury Card) and received a welcome bonus or upgrade bonus in the last 24 months.
  • You applied and were approved for Marriott Bonvoy Business American Express Card (also known as The Starwood Preferred Guest Business Credit Card from American Express) or Marriott Bonvoy Brilliant American Express Card (also known as the Starwood Preferred Guest American Express Luxury Card) within the last 90 days.

That’s a lot of exclusions. But if you’re relatively new to Marriott Bonvoy, or you have not applied for other Marriott or Starwood cards in the past couple of years, you might still be eligible and able to earn the big welcome bonus.

Before doing anything, check your account histories and ages with a resource like Credit Karma to see where you fall on this timeline.

Marriott Bonvoy American Express Card

This card is no longer available to new applicants. However, if you already have it, you should review its benefits and consider whether it might be worth holding onto or canceling before another high welcome bonus resurfaces on the Marriott Bonvoy credit cards that are still open to new applications. In the meantime, here are the details on it:

  • Welcome bonus: No longer available. However, card holders who opened their account prior to Jan. 23, 2019 can register at this link before May 31, 2019 to earn up to 100,000 bonus points. You’ll earn 25,000 bonus points for every $25,000 you spend, up to $100,000, through Dec. 31 2019.
  • Annual fee: $95
  • Earning: 6 points per dollar at participating Marriott Bonvoy hotels; 2 points per dollar on everything else.
  • Free award night: Each year after your account anniversary, get a free award night that can be used at properties that cost up to 35,000 points.
  • Complimentary Silver elite status: Card holders receive 15 nights of elite credit each year, enough for Silver status with Marriott Bonvoy, and just 10 short of Gold status. Upgrade to Gold status after spending $35,000 on the card in a calendar year.
  • No foreign transaction fees
  • Premium on-property Internet access: Enjoy complimentary in-room, premium WiFi access while staying at participating Marriott Bonvoy hotels.
  • Boingo Wi-Fi: Free, unlimited Wi-Fi on up to four devices at more than a million hotspots worldwide with the Boingo American Express Preferred Plan.
  • Travel benefits: Travel accident insurance up to $3.5 million. Up to $1,500 for lost luggage.
  • Purchase benefits: Purchase protection of up to $1,000 per claim and $50,000 per year. Warranty extension of up to two years.

Now for a quick comparison of how the two cards stack up.

Comparison and Takeaways

The two cards are actually quite similar. They earn the same amount of points on purchases, have the same annual fees, elite benefits and annual award night perk.

There is one major difference to point out though. With either card, you have the possibility of earning 100,000 bonus Marriott Bonvoy points. With the Marriott Bonvoy Boundless Credit Card from Chase, it’s through a welcome bonus that requires spending $5,000 on purchases in the first three months.

With the Marriott Bonvoy American Express Card, the earning bonus is based on spending up to $100,000 in what remains of 2019, which is a pretty steep bill. However, if you already have this card, you are not eligible for the Boundless welcome bonus at this time, so you might as well register for its spending-based bonus.

For every $25,000 threshold you hit, you get 25,000 bonus points, which makes it easier to break up your spending into more manageable chunks. By hitting some of these spending thresholds, card holders will raise the Amex card’s de facto earning rate to 3 Marriott Bonvoy points per dollar on everyday spending, which makes it better than the 2 points per dollar you can earn with the Boundless.

The Chase card offers more comprehensive travel protections and reimbursements. For its part, the Amex has the Boingo Wi-Fi plan, which is handy if you don’t already have it with another Amex card, and offers premium in-room Internet during hotel stays, which the Boundless will match in August.

Bottom Line

Now is the perfect time to evaluate whether you should apply for the Marriott Bonvoy Boundless Credit Card from Chase. It is only offering a welcome bonus of 100,000 points until mid-May, and we do not know if or when a bonus this high might reappear.

That said, if you already have the Marriott Bonvoy American Express Card, it is time to consider its benefits, whether you can maximize the 100,000-point spending bonus (don’t forget to register!) and how much longer you might want to hold it if you eventually plan on applying for Chase’s card instead.

As with all credit card quandaries, look at which card will give you the best return on your spending and which benefits you can maximize for your specific travel strategy and needs.

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

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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.

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