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Why I'm OK with earning free night awards instead of points with this card offer

July 20, 2022
6 min read
Marriott Maui
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Marriott Bonvoy loyalists have had a tough year.

First, the hotel group got rid of its award chart, and then came the announcement that the Marriott Bonvoy Boundless Credit Card from Chase would offer five free night awards instead of bonus points after meeting the minimum spending requirements.

Even though the free nights are worth 50,000 Bonvoy points each — and let's not forget that you can now top off your free night certificates with up to 15,000 additional points — not many at TPG welcome the change.

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For some, like my colleagues Katie Genter and Ryan Smith, free night awards make for all-or-nothing redemptions, meaning that even if your room costs 35,000 points, if you choose to use a certificate for that night, you'd essentially be losing 15,000 points in value. Having to redeem nights for at least 50,000 points doesn't work for some frequent travelers and those who just want to stretch their points as far as possible.

I admit that I hadn't thought of it that way. I didn't think the switch to free night awards was all that bad, but for the opposite reason — here's why.

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Free night awards vs. points

A photo of a private pool at Zadún in Los Cabos, Mexico.
Zadun, a Ritz-Carlton Reserve in Los Cabos, Mexico, is a Marriott Bonvoy hotel. (Photo courtesy of Zadun)

New cardholders of the Marriott Bonvoy Boundless Credit Card can earn five free night awards, worth up to 50,000 Bonvoy points each, after spending $5,000 on the card in the first three months. This is equivalent to up to 250,000 Bonvoy points, depending on how you redeem those points.

Don't forget that earlier this year, Marriott announced that you could now top off your award redemptions with up to 15,000 additional Bonvoy points per night, provided you have the points already in your account. With that said, you could add the extra points and redeem 65,000 Bonvoy points per night with this new bonus structure.

The downside of this new award system is that you would want to use your free night awards on a room worth at least 50,000 points per night or you'd be throwing points away; the difference you'd save when redeeming a night worth less than 50,000 points is not redeposited into your account.

A great option for infrequent travelers

When you travel as often as some TPGers do, of course you'll want your points and miles to go as far as possible. Or if higher-end hotel accommodations aren't necessarily your thing and stretching your points as far as possible is your highest priority, having to spend 50,000 points per night when you otherwise would never do that isn't appealing to you.

But I don't travel a ton, and when I do, I want to stay at the nicest hotel or Airbnb I can find — and afford. Stretching my points to ensure I get the greatest value isn't always a top priority. If I have the points I need to stay where I want to stay without spending my money, that's good enough for me.

Related: What are points and miles worth? TPG's monthly valuations

And a nice hotel doesn't have to cost you a metaphorical arm and a leg. One of my all-time favorite hotels and redemptions is the JW Marriott Venice in Venice, Italy. In October 2022, this hotel is available for 551 euros or 64,000 Bonvoy points per night. If I were to earn the five free award nights through the Boundless credit card, I could combine one night with 14,000 Bonvoy points that I already have in my account to return to my version of the happiest place on earth.

Redeem Marriott points at luxe properties like the JW Marriott Venice Resort & Spa. (Photo courtesy of JW Marriott)

To put my travel habits into perspective, in a typical year, my family might take one or two big trips. And throughout the year, we're spending and accruing points to redeem for those upcoming trips and those points add up. It's feasible for us to redeem more points when we finally get to travel and however many points we spend is always a better value to me than spending cash.

It's not all bad

Leading up to Marriott doing away with its award chart and moving to dynamic pricing, there was a panic rush to redeem Bonvoy points as soon as possible and for the best value before your points would presumably be worth less.

We found that the changeover to dynamic pricing wasn't actually the end of the world and a lot of our favorite hotel redemptions didn't increase as much as we feared.

But let's say that in the very near future, that's no longer the case and — hypothetically — it costs significantly more per night to use your Bonvoy points. Wouldn't you prefer to have award nights worth 50,000 points — and up to 65,000 points after topping off with up to 15,000 points — than the award nights worth 35,000 points that come with some credit cards? I know I would.

Related: TPG special analysis: What impact did Marriott's changes really have on the value of Bonvoy points?

Bottom line

The change from Bonvoy points to five free award nights worth up to 50,000 Bonvoy points each after meeting the minimum spending requirements on the Marriott Bonvoy Boundless Credit Card from Chase isn't very popular among some travelers.

If you were to redeem one of these award nights for a room less than 50,000 Bonvoy points, the difference is not redeposited into your account; it's all or nothing.

For those who travel frequently and for those who prioritize stretching their points as far as possible, this new award system isn't working for them. But for travelers like me who like to spend their points by any means necessary — at the best hotels my points can get me, no less — these award nights are great.

Plus, I can top them off with up to 15,000 Bonvoy points per night at my favorite hotel, the JW Marriott Venice Resort and Spa. For infrequent travelers who might be redeeming all five of those award nights during their one or two vacations a year, this is a worthy value proposition, to be sure.

Featured image by (Photo by Kyle Olsen/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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  • $95 annual fee
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  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
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Best starter travel card
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1XEarn 1 Point per $1 spent on all other purchases
  • Intro Offer
    For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Earn 80,000 ThankYou® points
    60,000 points
  • Annual Fee

    $95
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent, Good

Why We Chose It

The Citi Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Premier comes with a $95 annual fee and is currently offering a solid sign up bonus of 80,000 points after you spend $4,000 on purchases within the first three months. It also has some valuable transfer partners to make the most of your rewards. Add in access to Citi Entertainment plus a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, booked through the Citi travel website, there are few reasons why the Citi Premier should not be in every traveler’s wallet.

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases