What credit score do you need to get the Marriott Bonvoy Boundless credit card?
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Editor’s note: This post has been updated with new information.
Marriott Bonvoy has a large and diverse credit card portfolio, with options issued by both Chase and Amex. In particular, Marriott Bonvoy credit cards run the gamut from no-annual-fee to premium options. But many travelers will be drawn towards the Marriott Bonvoy Boundless Credit Card, which sits right in the middle of the pack in terms of fees, perks and rewards.
So today I’ll discuss what credit score you need to get approved for the Marriott Bonvoy Boundless credit card.
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Marriott Bonvoy Boundless overview
The Marriott Bonvoy Boundless Credit Card carries a modest annual fee of $95 a year. And the card currently offers a sign-up bonus of 75,000 bonus points after you spend $3,000 in the first three months of account opening.
The Marriott Bonvoy Boundless comes with automatic Marriott Silver elite status as well as 15 elite night credits a year to help you qualify for a higher tier. Plus, you’ll get an anniversary free night certificate worth up to 35,000 points each year that more than makes up for the cost of the annual fee. The card earns 6x points on eligible Marriott purchases and 2x on everyday spending.
Credit score required for Marriott Bonvoy credit cards
Although the Marriott Bonvoy Boundless is easier to get than some of the premium travel rewards cards on the market, you may not be able to get approved if you’re just starting out or have a history of bad credit.
According to Credit Karma, the recommended score range for the Marriott Bonvoy Boundless goes from a 690 on the low end up to a perfect 850 at the top. This means you’ll generally need good credit or excellent credit to get approved for this card. However, it’s certainly possible to get approved with a score outside this range.
There are many other factors that go into qualification beyond your credit score, such as your income and the age of your credit accounts. Another big factor that’s often forgotten about is your relationship with the bank. If you’ve been a longtime Chase customer and have large balances in your banking accounts with them, reports suggest that you may have better approval odds — especially if you apply in a branch.
How many card accounts can I have open?
Like most Chase credit cards, the Marriott Bonvoy Boundless is subject to the Chase 5/24 rule. This means that if you’ve opened five or more credit cards in the last 24 months (across all issuers but excluding most business cards), you’ll be automatically rejected. While there’s no hard limit on the total number of card accounts you can have open, if you’ve opened too many accounts in the last two years, it will work against you.
You’ll also need to contend with a few Marriott-specific application restrictions before you can get approved for the Marriott Bonvoy Boundless Credit Card. These rules center on whether you’ve recently had other Marriott cards issued by either Chase or Amex. Specifically, you are not eligible to earn a sign-up bonus on the Marriott Bonvoy Boundless Credit Card if any of the following apply:
- You are a current cardmember, or were a previous cardmember 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 cardmember of either the Marriott Bonvoy Business™ American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or the Marriott Bonvoy Brilliant™ American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember 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
How to check your credit score
Under no circumstances should you be shelling out cash to check your credit score. Most credit cards come along with a free FICO score calculator. This makes it easy to see where your score lies on the scale from good to bad and keep up to date on how you’re doing.
You can also easily open accounts on a site like Credit Karma or Credit Sesame. These sites are free and can help you keep even better track of your score and its factors. You can also use these services to dispute any information on your score that isn’t accurate or appears to be fraudulent. I personally use Credit Karma and appreciate the regular, automatic updates when my score changes, as well as alerts any time a new inquiry is added to my credit report.
Factors that affect your credit score
Before you start applying for any credit cards, it’s important to understand the factors that make up your credit score. After all, the mere act of applying for new lines of credit will change your score.
While the exact formula for calculating your credit score is kept secret, FICO is very transparent about the different factors they asses and how much weight each is given:
- Payment history: 35% of your FICO score is made up of your payment history. You can improve this part of your score by making payments on time. Recent and extended late payments will harm your credit score the most.
- Amounts owed (credit utilization): 30% of your FICO score consists of the relative size of your current debt. In particular, your credit utilization is the total of your debts divided by the total amount of credit that you’ve been extended across all accounts. Many people claim that it’s best to keep your credit utilization below 20%, but it’s not a magic number.
- Length of credit history: 15% of your score is based on the average length of all accounts on your credit history. This becomes a significant factor for those who have a limited credit history, such as young adults, recent immigrants and anyone who has largely avoided credit. It can also be a factor for people who open and close accounts within a very short period of time.
- New credit: Your most recent accounts determine 10% of your credit score. Having recently opened too many accounts can have a negative impact on your score, as the scoring models may interpret this as a sign of possible financial distress.
- Credit mix: 10% of your score is related to how many different types of credit accounts you have, such as mortgages, car loans, credit loans and store charge cards. While having a larger mix of types of loans is better than having fewer, no one recommends taking out unnecessary loans just to boost your credit score.
One important factor to consider is your average age of accounts. While a lengthier credit history will boost your score, many issuers focus on the one-year cutoff. That means that having an average age of accounts of more than a year can go a long way toward increasing your odds of approval. But, you might have trouble getting approved with 11 months of credit history even if your numerical credit score is great.
In addition, if you have any delinquencies or bankruptcies showing on your credit report, Chase might be hesitant to approve you for a new line of credit even if your score is otherwise solid. It’s important to remember that your credit profile is more than just a number, it’s a collection of information given to the issuer to analyze your creditworthiness.
What to do if you’re rejected
One of the worst mistakes people make is giving up when they’re rejected for a credit card. If you receive a rejection letter, the first thing you should do is look at the reasons given for your rejection. By law, card issuers are required to send you a written or electronic communication explaining what factors prevented you from being approved.
Once you’ve figured out why you’ve been rejected, call Chase’s reconsideration line. Tell the person on the phone that you recently applied for a Chase credit card and you were surprised to see that your application was rejected and you would like to speak to someone about getting that decision reconsidered. From there, it’s up to you to build a case and convince the Chase agent on the phone why you deserve the credit card.
If you were rejected for too short of a credit history, you can point to your stellar record of on-time payments. If you were rejected for missed payments, you can explain that those were a long time ago and your record since then has been perfect. There’s no guarantee that this will work, but I’ve had about a third of my rejections reversed on reconsideration. At the end of the day, it’s worth spending 15 minutes on the phone if it might help you get the card you want.
While you don’t need perfect credit to get the Marriott Bonvoy Boundless Credit Card, you will need a good score or at least a banking history with Chase. When it comes to applying for Marriott credits cards these days, you often need to be more worried about the issuer-specific application restrictions than you do about having a high enough credit score.
Official application link: Marriott Bonvoy Boundless Credit Card
Featured photo by John Gribben/The Points Guy.
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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.
- Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
- 1 Free Night Award (valued up to 35,000 points)
- Earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
- 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.