3 reasons why the Marriott Bonvoy Boundless is worth the $95 annual fee
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Hotel credit cards are often overlooked when compared to their airline card counterparts.
Mid-tier hotel cards, with annual fees of up to $100, can be an incredibly valuable addition to any wallet, whether you’re an infrequent traveler, a road warrior or a nonstop jetsetter. These cards tend to have relatively low annual fees yet can provide outsize value in the form of free nights, elite status, increased earning potential and other perks.
The Marriott Bonvoy Boundless Credit Card is the Marriott portfolio’s mid-market personal card option, issued by Chase. With a decent sign-up bonus of three free nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first three months from account opening, we can say with confidence that it’s easy to recoup the $95 annual fee on this card right from the outset.
But the sign-up bonus isn’t the only reason to consider the Bonvoy Boundless card.
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Free night award
By far, one of the card’s best perks — and what makes the $95 fee seem fairly insignificant — is an annual free night award. Here’s how it works (and why it’s so valuable).
Each year upon account renewal, cardholders receive a free night certificate valid at Marriott hotels that cost up to 35,000 Bonvoy points a night. This certificate includes almost any Category 1-5 hotel, although Category 5 hotels at peak pricing of 40,000 points per night won’t be eligible.
Outside of the U.S., you will even find several luxury properties (including St. Regis and Ritz-Carlton hotels) where you can use this certificate. And while you certainly can’t redeem this certificate everywhere, there are thousands of options at 35,000 points a night or less.
TPG’s valuations peg the value of 35,000 Marriott points at $280, which is nearly three times the $95 annual fee. In addition, as part of the current sign-up offer, you’ll get a free night award worth up to 50,000 Bonvoy points.
15 elite nights and automatic elite status
The Bonvoy Boundless card comes with automatic Bonvoy Silver status. While that is Marriott’s lowest tier and won’t earn you lavish perks such as suite upgrades, it will still get you a 10% points bonus, late checkout, and free Wi-Fi.
In addition, to help cardholders jumpstart their way to higher tiers of status, such as Gold and Platinum, this card automatically rewards them with 15 elite night credits per calendar year. Even better, 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. That means you can earn up to 30 elite nights each year simply from holding two Marriott cards.
Trip and baggage insurance coverage
The Bonvoy Boundless card also comes with a robust set of travel and baggage protection benefits that can help save you hundreds, if not thousands, of dollars. These are perks that you don’t feel like you need — until something goes wrong.
With baggage delay insurance, Chase may reimburse you for essential purchases up to $100 a day for up to five days. And if a bag is lost, Chase may cover you for up to a whopping $3,000 per passenger. With trip delay reimbursement, if you are traveling on a common carrier that is delayed by more than 12 hours or requires to stay overnight, Chase may reimburse you for incidentals like meals or lodging, up to $500 per ticket.
With a current sign-up bonus and various perks that can easily be worth hundreds of dollars, it’s a no-brainer that the Marriott Bonvoy Boundless card is worth its $95 annual price tag.
Keep in mind, though, that Chase restricts access to the Bonvoy Boundless with its 5/24 rule. The issuer likely won’t approve you for the card if you’ve opened five or more personal credit cards across all issuers in the last 24 months. However, now is a good time to apply with travel restarting in earnest if you do qualify.
Application link: Marriott Bonvoy Boundless Credit Card available with a welcome offer of three free nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first three months from account opening.
Featured photo of the Ritz-Carlton Maldives by Chris Dong/The Points Guy.
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Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.
With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
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