3 reasons why the Marriott Bonvoy Boundless is worth the $95 annual fee

Jun 9, 2022

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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 award 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 terrific sign-up bonus of five free nights (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 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 this elevated sign-up bonus isn’t the only reason to consider the Bonvoy Boundless card.

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In This Post

Award Nights

(Photo by Clint Henderson/The Points Guy)

By far, one of the card’s best perks — and what makes the $95 fee seem fairly insignificant — is an annual award night award. Here’s how it works (and why it’s so valuable).

Each year upon account renewal, cardholders receive an award night certificate valid at Marriott hotels that cost up to 35,000 Bonvoy points a night. 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 $294, which is nearly three times the $95 annual fee.

With Marriott’s recent switch to dynamic pricing, you may find it harder to use these certificates, but you’re now able to combine a certificate with up to 15,000 points to “upgrade” to a higher-priced award room, which should allow for some added flexibility.

Note that this doesn’t even consider the five free night awards as part of the current sign-up bonus — which give you phenomenal value in year one.

Related: 6 great uses of Marriott 35,000-point free night certificates

15 elite nights and automatic elite status

Marriott Bonvoy Business Marriott Bonvoy Boundless CREDIT CARD STILL LIFE
Combine a personal and business Marriott card for 30 elite nights. (Photo by The Points Guy)

Similar to other mid-tier hotel cards from Hilton and Hyatt, Marriott offers automatic elite status with the Bonvoy Boundless.

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. You can also earn one credit towards elite status for every $5,000 you spend on the card — a perk that just launched in 2022.

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, like the Marriott Bonvoy Business™ American Express® Card. This would earn you Gold status — and place you just 20 nights away from Platinum.

Related: Does it make sense to hold multiple Marriott Bonvoy credit cards?

Trip and baggage insurance coverage

(Photo by Zach Griff/The Points Guy)

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.

Just note that you must charge your trip to the card in order for these protections to apply.

Related: How Chase’s trip delay coverage works in practice

Bottom line

With a large sign-up bonus and various perks that can easily be worth hundreds of dollars, it’s a no-brainer that the Marriott Bonvoy Boundless 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. In addition, there are Marriott-specific rules when it comes to eligibility for any new Bonvoy credit card, so you’ll want to make sure you’re eligible before you apply.

However, with the world continuing to reopen in earnest and the Boundless card offering a terrific sign-up bonus, now is a good time to apply if you do qualify.

Application link: Marriott Bonvoy Boundless Credit Card with a welcome offer of five free nights (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening.

Additional reporting by Ryan Wilcox and Christina Ly.

Featured photo of the Ritz-Carlton Maldives by Chris Dong/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.

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.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
  • 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 up to 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 in the U.S., 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 $80 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 PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • 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.
  • See Rates & Fees
Regular APR
17.24%-26.24% Variable
Annual Fee
Balance Transfer Fee
Recommended Credit
Terms and restrictions apply. See rates & fees.

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.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.