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$0 Annual Fee, 14X Hotel Points, 2 Free Nights to Start
The Marriott Bonvoy Bold charges $0 in annual fees and earns up to 14X total points at 7,000+ Marriott properties. Start with 2 Free Night Awards worth up to 100,000 points, maintain Silver Elite status automatically, and earn 2X on groceries, streaming, rideshare, and food delivery. A risk-free entry into the Marriott Bonvoy loyalty program.
$0
Annual Fee
2
Hotel · Welcome Bonus
14X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Marriott Bonvoy
Point Valuation
0.6–0.8 cpp (mid: 0.7)
Credit Required
Good to Excellent
Bonus: 2 Hotel
Spend: $1,000
Period: 3 months
14X
Up to 14X total points at Marriott (3X card + 10X base member + 10% Silver Elite bonus)
2X
2X points at grocery stores
2X
2X points on select streaming services, internet, cable, and phone services
2X
2X points on rideshare (taxicabs and limousines)
2X
2X points on select food delivery (DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless, Delivery.com)
A $200/night stay earns 600 card points (3X) + 2,000 base member points + 200 Silver bonus = 2,800 total points per night.
$500/month groceries = 1,000 points/month = 12,000 points/year toward free nights.
$150/month in streaming + internet + phone = 300 points/month = 3,600 points/year.
$200/month in Uber + DoorDash = 400 points/month = 4,800 points/year.
$2,000/month other spending = 2,000 points/month = 24,000 points/year.
Benefits & Perks
Program & Transfers
The world's largest hotel loyalty program
Marriott Bonvoy is the largest hotel loyalty program in the world, combining the former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs. With over 8,500 properties across 30 brands in 139 countries, Bonvoy offers unmatched flexibility for both budget-conscious and luxury travelers. Members earn 10 points per dollar spent at most Marriott brands, with higher earning rates for elite members. Points can be redeemed for free night awards starting at 5,000 points, transferred to 40+ airline partners, or used for unique experiences through Marriott Bonvoy Moments. The program's six elite tiers (Member, Silver, Gold, Platinum, Titanium, and Ambassador) offer escalating benefits including room upgrades, late checkout, lounge access, and bonus points. Elite status can be earned through paid nights or granted automatically through co-branded credit cards.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Bonvoy 1/24 | You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.24%–27.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
$0 Annual Fee, 14X Hotel Points, 2 Free Nights to Start
The Marriott Bonvoy Bold charges $0 in annual fees and earns up to 14X total points at 7,000+ Marriott properties. Start with 2 Free Night Awards worth up to 100,000 points, maintain Silver Elite status automatically, and earn 2X on groceries, streaming, rideshare, and food delivery. A risk-free entry into the Marriott Bonvoy loyalty program.
$0
Annual Fee
2
Hotel · Welcome Bonus
14X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Marriott Bonvoy
Point Valuation
0.6–0.8 cpp (mid: 0.7)
Credit Required
Good to Excellent
Bonus: 2 Hotel
Spend: $1,000
Period: 3 months
14X
Up to 14X total points at Marriott (3X card + 10X base member + 10% Silver Elite bonus)
2X
2X points at grocery stores
2X
2X points on select streaming services, internet, cable, and phone services
2X
2X points on rideshare (taxicabs and limousines)
2X
2X points on select food delivery (DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless, Delivery.com)
A $200/night stay earns 600 card points (3X) + 2,000 base member points + 200 Silver bonus = 2,800 total points per night.
$500/month groceries = 1,000 points/month = 12,000 points/year toward free nights.
$150/month in streaming + internet + phone = 300 points/month = 3,600 points/year.
$200/month in Uber + DoorDash = 400 points/month = 4,800 points/year.
$2,000/month other spending = 2,000 points/month = 24,000 points/year.
Benefits & Perks
Program & Transfers
The world's largest hotel loyalty program
Marriott Bonvoy is the largest hotel loyalty program in the world, combining the former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs. With over 8,500 properties across 30 brands in 139 countries, Bonvoy offers unmatched flexibility for both budget-conscious and luxury travelers. Members earn 10 points per dollar spent at most Marriott brands, with higher earning rates for elite members. Points can be redeemed for free night awards starting at 5,000 points, transferred to 40+ airline partners, or used for unique experiences through Marriott Bonvoy Moments. The program's six elite tiers (Member, Silver, Gold, Platinum, Titanium, and Ambassador) offer escalating benefits including room upgrades, late checkout, lounge access, and bonus points. Elite status can be earned through paid nights or granted automatically through co-branded credit cards.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Bonvoy 1/24 | You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.24%–27.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
$0 Annual Fee, 14X Hotel Points, 2 Free Nights to Start
The Marriott Bonvoy Bold charges $0 in annual fees and earns up to 14X total points at 7,000+ Marriott properties. Start with 2 Free Night Awards worth up to 100,000 points, maintain Silver Elite status automatically, and earn 2X on groceries, streaming, rideshare, and food delivery. A risk-free entry into the Marriott Bonvoy loyalty program.
$0
Annual Fee
2
Hotel · Welcome Bonus
14X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Marriott Bonvoy
Point Valuation
0.6–0.8 cpp (mid: 0.7)
Credit Required
Good to Excellent
Bonus: 2 Hotel
Spend: $1,000
Period: 3 months
14X
Up to 14X total points at Marriott (3X card + 10X base member + 10% Silver Elite bonus)
2X
2X points at grocery stores
2X
2X points on select streaming services, internet, cable, and phone services
2X
2X points on rideshare (taxicabs and limousines)
2X
2X points on select food delivery (DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless, Delivery.com)
A $200/night stay earns 600 card points (3X) + 2,000 base member points + 200 Silver bonus = 2,800 total points per night.
$500/month groceries = 1,000 points/month = 12,000 points/year toward free nights.
$150/month in streaming + internet + phone = 300 points/month = 3,600 points/year.
$200/month in Uber + DoorDash = 400 points/month = 4,800 points/year.
$2,000/month other spending = 2,000 points/month = 24,000 points/year.
Benefits & Perks
Program & Transfers
The world's largest hotel loyalty program
Marriott Bonvoy is the largest hotel loyalty program in the world, combining the former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs. With over 8,500 properties across 30 brands in 139 countries, Bonvoy offers unmatched flexibility for both budget-conscious and luxury travelers. Members earn 10 points per dollar spent at most Marriott brands, with higher earning rates for elite members. Points can be redeemed for free night awards starting at 5,000 points, transferred to 40+ airline partners, or used for unique experiences through Marriott Bonvoy Moments. The program's six elite tiers (Member, Silver, Gold, Platinum, Titanium, and Ambassador) offer escalating benefits including room upgrades, late checkout, lounge access, and bonus points. Elite status can be earned through paid nights or granted automatically through co-branded credit cards.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Bonvoy 1/24 | You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.24%–27.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Total face value: $48
Estimated annual value: $58
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 8% travel credits | $8/Per stay | Travel | Per stay | |
| $10/mo Instacart+ | —/Monthly | Delivery | Monthly | |
| DoorDash DashPass | —/Monthly | Delivery | Monthly | |
| DoorDash DashPass | — | Restaurants | Annual |
Fast track to top-tier perks
This card comes with 2 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Enjoy Silver Elite status with 10% bonus points, priority late checkout, and complimentary Wi-Fi
Receive 5 elite night credits each year to help advance toward higher elite status
Combined Protection Value
$7,051
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Up to $500 per covered traveler for meals and lodging when trip is delayed 12+ hours or requires an overnight stay.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Fifth Night Free on Award Stays | 0 | — | — | — |
| Homes & Villas by Marriott Bonvoy | 10,000 | — | — | — |
| St. Regis Maldives Vommuli Resort | 85,000 | — | — | — |
| JW Marriott Masai Mara Lodge (All-Inclusive Safari) | 60,000 | — | — | — |
| Protea Hotels in South Africa | 5,000 | — | — | — |
| Marriott All-Inclusive Resorts (Mexico & Caribbean) | 40,000 | — | — | — |
| Category 1-3 Properties Off-Peak | 5,000 | — | — | — |
| The Ritz-Carlton Reserve Dorado Beach | 100,000 | — | — | — |
| Airline Transfer with 60k Bonus (United) | 60,000 | — | — | — |
| Marriott Bonvoy Moments Experiences | 1 | — | — | — |
| W Hotels for Weekend Getaways | 25,000 | — | — | — |
| Courtyard/Fairfield Near Theme Parks | 15,000 | — | — | — |
The Bold is Marriott's only $0-annual-fee personal card. It delivers the core Marriott experience — Silver Elite status, elite night credits, and accelerated hotel earning — without any annual commitment. Ideal for occasional Marriott guests who want to earn points on everyday spending.
This no annual fee card offers a decent sign-up bonus for casual Marriott users, but be mindful of Marriott’s higher redemption rates and strict eligibility rules if you’ve already earned a Marriott sign-up bonus.
This is Marriott’s only credit card with **no annual fee**. If you’re not a dedicated Marriott loyalist but still want to earn hotel points, its sign-up bonus makes it a decent option. Be aware that Marriott’s point redemptions can be higher than those of other hotel chains, like Hyatt. Marriott also has a confusing set of eligibility rules for card approvals and sign-up bonuses within its card family. Most importantly, you can’t receive a sign-up bonus on a Bonvoy card if you’ve already received one in the last 24 months.
You’ll earn **30,000 (current special 0) points after spending just $1,000** in the first three months. Depending on where and when you travel, that may get you a free night. Marriott uses dynamic pricing for its rewards, so you’ll need to check different properties to see what 30,000 (current special 0) points will cover.
Other benefits are minor (which is expected for a card with no annual fee). You do get **complimentary Silver Elite status**, along with 5 Elite Night Credits if you’re working toward a higher tier (though serious status-chasers might prefer another Marriott card). You also receive **complimentary DashPass membership**, plus a $10 discount each quarter on non-restaurant DoorDash orders. Earning rates include 2x points on groceries, streaming, internet, cable, rideshare, and food delivery, plus 1x points on everything else. If you **book directly with Marriott, you can earn up to 14x points**.
Here are some exceptions where the card might not be good for you:
- You may not be eligible for a sign-up bonus if you’ve had certain other Marriott co-branded cards in the past two years.
- If you stay at Marriott more than a few times each year, a card with an annual fee might offer better value.
- Marriott’s reward-night redemption can be poor compared to chains like Hyatt and IHG.
**Their poor points redemption value leaves Bonvoy near the bottom of our rankings.**
- There are multiple cards with great point transfer options. In theory, this is good.
- Finding a solid value for a Marriott stay is a challenge. A one night stay at desirable destinations can match the number of points from one card bonus.
- Values can be found, but they can be frustrating to find, so it isn’t a terrible system. It just doesn’t have the usefulness of many of the other hotel systems.
Marriott has five co-branded personal credit cards (three from Chase, including the Bold, and two from American Express), plus a business card from Amex. The Marriott Bonvoy Boundless card is a step up from the Bold, with a $95 annual fee and a sign-up bonus of three free nights (up to 50k points each). It also provides an annual free night (up to 35k points) on your account anniversary and complimentary Silver Elite status.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$28.80
Annual Fee
-$0
Net Annual Value
+$28.80
TPG and NerdWallet value Marriott Bonvoy points at 0.7-0.8 cents per point on average. However, with dynamic pricing, actual value can range from 0.4 cpp (gift cards) to 2+ cpp (aspirational hotel redemptions). The fifth night free benefit can push value even higher on 5-night stays.
Yes. Marriott Bonvoy partners with ~40 airlines at a 3:1 ratio (3 Bonvoy points = 1 airline mile). Transfers of 60,000 points earn a 5,000-mile bonus with most partners, giving you 25,000 airline miles per 60,000 Bonvoy points.
Points expire after 24 months of account inactivity. Any qualifying activity — earning, redeeming, or purchasing points — resets the clock. Simply holding a co-branded credit card and using it keeps your account active.
When you redeem points for 5+ consecutive nights at the same hotel, the cheapest night is free. This effectively saves you 20% on longer award stays and is available to all Marriott Bonvoy members, regardless of elite status.
The fastest path is the Marriott Bonvoy Brilliant American Express Card, which grants automatic Platinum Elite status. Otherwise, hold a co-branded card for 15 elite night credits, then stay 35 more paid nights to reach Platinum.
Yes. You can transfer up to 100,000 points per calendar year to another member's account, with a receiving limit of 500,000 points per year. Both accounts must be open and in good standing.
TPG's comprehensive review covering earn rates, welcome offer, and comparison with other no-annual-fee hotel cards.
Yahoo Finance's review covering the no-annual-fee card's benefits, earning structure, and travel perks.
Daily Drop's review analyzing whether the entry-level Marriott card is worth it as a no-annual-fee hotel card.
NerdWallet's review covering earn rates, Silver Elite status, and whether the card is worth it for occasional Marriott guests.
Upgraded Points' detailed review with pros, cons, and comparison to other Marriott co-branded cards.
US News review covering rewards optimization and annual fee value for Marriott travelers.
Credit Karma's review highlighting sign-up bonus, Silver Elite status, and hotel redemption value.
Official Chase card page with current welcome offer, benefits overview, and application.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Total face value: $48
Estimated annual value: $58
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 8% travel credits | $8/Per stay | Travel | Per stay | |
| $10/mo Instacart+ | —/Monthly | Delivery | Monthly | |
| DoorDash DashPass | —/Monthly | Delivery | Monthly | |
| DoorDash DashPass | — | Restaurants | Annual |
Fast track to top-tier perks
This card comes with 2 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Enjoy Silver Elite status with 10% bonus points, priority late checkout, and complimentary Wi-Fi
Receive 5 elite night credits each year to help advance toward higher elite status
Combined Protection Value
$7,051
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Up to $500 per covered traveler for meals and lodging when trip is delayed 12+ hours or requires an overnight stay.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Fifth Night Free on Award Stays | 0 | — | — | — |
| Homes & Villas by Marriott Bonvoy | 10,000 | — | — | — |
| St. Regis Maldives Vommuli Resort | 85,000 | — | — | — |
| JW Marriott Masai Mara Lodge (All-Inclusive Safari) | 60,000 | — | — | — |
| Protea Hotels in South Africa | 5,000 | — | — | — |
| Marriott All-Inclusive Resorts (Mexico & Caribbean) | 40,000 | — | — | — |
| Category 1-3 Properties Off-Peak | 5,000 | — | — | — |
| The Ritz-Carlton Reserve Dorado Beach | 100,000 | — | — | — |
| Airline Transfer with 60k Bonus (United) | 60,000 | — | — | — |
| Marriott Bonvoy Moments Experiences | 1 | — | — | — |
| W Hotels for Weekend Getaways | 25,000 | — | — | — |
| Courtyard/Fairfield Near Theme Parks | 15,000 | — | — | — |
The Bold is Marriott's only $0-annual-fee personal card. It delivers the core Marriott experience — Silver Elite status, elite night credits, and accelerated hotel earning — without any annual commitment. Ideal for occasional Marriott guests who want to earn points on everyday spending.
This no annual fee card offers a decent sign-up bonus for casual Marriott users, but be mindful of Marriott’s higher redemption rates and strict eligibility rules if you’ve already earned a Marriott sign-up bonus.
This is Marriott’s only credit card with **no annual fee**. If you’re not a dedicated Marriott loyalist but still want to earn hotel points, its sign-up bonus makes it a decent option. Be aware that Marriott’s point redemptions can be higher than those of other hotel chains, like Hyatt. Marriott also has a confusing set of eligibility rules for card approvals and sign-up bonuses within its card family. Most importantly, you can’t receive a sign-up bonus on a Bonvoy card if you’ve already received one in the last 24 months.
You’ll earn **30,000 (current special 0) points after spending just $1,000** in the first three months. Depending on where and when you travel, that may get you a free night. Marriott uses dynamic pricing for its rewards, so you’ll need to check different properties to see what 30,000 (current special 0) points will cover.
Other benefits are minor (which is expected for a card with no annual fee). You do get **complimentary Silver Elite status**, along with 5 Elite Night Credits if you’re working toward a higher tier (though serious status-chasers might prefer another Marriott card). You also receive **complimentary DashPass membership**, plus a $10 discount each quarter on non-restaurant DoorDash orders. Earning rates include 2x points on groceries, streaming, internet, cable, rideshare, and food delivery, plus 1x points on everything else. If you **book directly with Marriott, you can earn up to 14x points**.
Here are some exceptions where the card might not be good for you:
- You may not be eligible for a sign-up bonus if you’ve had certain other Marriott co-branded cards in the past two years.
- If you stay at Marriott more than a few times each year, a card with an annual fee might offer better value.
- Marriott’s reward-night redemption can be poor compared to chains like Hyatt and IHG.
**Their poor points redemption value leaves Bonvoy near the bottom of our rankings.**
- There are multiple cards with great point transfer options. In theory, this is good.
- Finding a solid value for a Marriott stay is a challenge. A one night stay at desirable destinations can match the number of points from one card bonus.
- Values can be found, but they can be frustrating to find, so it isn’t a terrible system. It just doesn’t have the usefulness of many of the other hotel systems.
Marriott has five co-branded personal credit cards (three from Chase, including the Bold, and two from American Express), plus a business card from Amex. The Marriott Bonvoy Boundless card is a step up from the Bold, with a $95 annual fee and a sign-up bonus of three free nights (up to 50k points each). It also provides an annual free night (up to 35k points) on your account anniversary and complimentary Silver Elite status.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$28.80
Annual Fee
-$0
Net Annual Value
+$28.80
TPG and NerdWallet value Marriott Bonvoy points at 0.7-0.8 cents per point on average. However, with dynamic pricing, actual value can range from 0.4 cpp (gift cards) to 2+ cpp (aspirational hotel redemptions). The fifth night free benefit can push value even higher on 5-night stays.
Yes. Marriott Bonvoy partners with ~40 airlines at a 3:1 ratio (3 Bonvoy points = 1 airline mile). Transfers of 60,000 points earn a 5,000-mile bonus with most partners, giving you 25,000 airline miles per 60,000 Bonvoy points.
Points expire after 24 months of account inactivity. Any qualifying activity — earning, redeeming, or purchasing points — resets the clock. Simply holding a co-branded credit card and using it keeps your account active.
When you redeem points for 5+ consecutive nights at the same hotel, the cheapest night is free. This effectively saves you 20% on longer award stays and is available to all Marriott Bonvoy members, regardless of elite status.
The fastest path is the Marriott Bonvoy Brilliant American Express Card, which grants automatic Platinum Elite status. Otherwise, hold a co-branded card for 15 elite night credits, then stay 35 more paid nights to reach Platinum.
Yes. You can transfer up to 100,000 points per calendar year to another member's account, with a receiving limit of 500,000 points per year. Both accounts must be open and in good standing.
TPG's comprehensive review covering earn rates, welcome offer, and comparison with other no-annual-fee hotel cards.
Yahoo Finance's review covering the no-annual-fee card's benefits, earning structure, and travel perks.
Daily Drop's review analyzing whether the entry-level Marriott card is worth it as a no-annual-fee hotel card.
NerdWallet's review covering earn rates, Silver Elite status, and whether the card is worth it for occasional Marriott guests.
Upgraded Points' detailed review with pros, cons, and comparison to other Marriott co-branded cards.
US News review covering rewards optimization and annual fee value for Marriott travelers.
Credit Karma's review highlighting sign-up bonus, Silver Elite status, and hotel redemption value.
Official Chase card page with current welcome offer, benefits overview, and application.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Total face value: $48
Estimated annual value: $58
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 8% travel credits | $8/Per stay | Travel | Per stay | |
| $10/mo Instacart+ | —/Monthly | Delivery | Monthly | |
| DoorDash DashPass | —/Monthly | Delivery | Monthly | |
| DoorDash DashPass | — | Restaurants | Annual |
Fast track to top-tier perks
This card comes with 2 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Enjoy Silver Elite status with 10% bonus points, priority late checkout, and complimentary Wi-Fi
Receive 5 elite night credits each year to help advance toward higher elite status
Combined Protection Value
$7,051
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Up to $500 per covered traveler for meals and lodging when trip is delayed 12+ hours or requires an overnight stay.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Fifth Night Free on Award Stays | 0 | — | — | — |
| Homes & Villas by Marriott Bonvoy | 10,000 | — | — | — |
| St. Regis Maldives Vommuli Resort | 85,000 | — | — | — |
| JW Marriott Masai Mara Lodge (All-Inclusive Safari) | 60,000 | — | — | — |
| Protea Hotels in South Africa | 5,000 | — | — | — |
| Marriott All-Inclusive Resorts (Mexico & Caribbean) | 40,000 | — | — | — |
| Category 1-3 Properties Off-Peak | 5,000 | — | — | — |
| The Ritz-Carlton Reserve Dorado Beach | 100,000 | — | — | — |
| Airline Transfer with 60k Bonus (United) | 60,000 | — | — | — |
| Marriott Bonvoy Moments Experiences | 1 | — | — | — |
| W Hotels for Weekend Getaways | 25,000 | — | — | — |
| Courtyard/Fairfield Near Theme Parks | 15,000 | — | — | — |
The Bold is Marriott's only $0-annual-fee personal card. It delivers the core Marriott experience — Silver Elite status, elite night credits, and accelerated hotel earning — without any annual commitment. Ideal for occasional Marriott guests who want to earn points on everyday spending.
This no annual fee card offers a decent sign-up bonus for casual Marriott users, but be mindful of Marriott’s higher redemption rates and strict eligibility rules if you’ve already earned a Marriott sign-up bonus.
This is Marriott’s only credit card with **no annual fee**. If you’re not a dedicated Marriott loyalist but still want to earn hotel points, its sign-up bonus makes it a decent option. Be aware that Marriott’s point redemptions can be higher than those of other hotel chains, like Hyatt. Marriott also has a confusing set of eligibility rules for card approvals and sign-up bonuses within its card family. Most importantly, you can’t receive a sign-up bonus on a Bonvoy card if you’ve already received one in the last 24 months.
You’ll earn **30,000 (current special 0) points after spending just $1,000** in the first three months. Depending on where and when you travel, that may get you a free night. Marriott uses dynamic pricing for its rewards, so you’ll need to check different properties to see what 30,000 (current special 0) points will cover.
Other benefits are minor (which is expected for a card with no annual fee). You do get **complimentary Silver Elite status**, along with 5 Elite Night Credits if you’re working toward a higher tier (though serious status-chasers might prefer another Marriott card). You also receive **complimentary DashPass membership**, plus a $10 discount each quarter on non-restaurant DoorDash orders. Earning rates include 2x points on groceries, streaming, internet, cable, rideshare, and food delivery, plus 1x points on everything else. If you **book directly with Marriott, you can earn up to 14x points**.
Here are some exceptions where the card might not be good for you:
- You may not be eligible for a sign-up bonus if you’ve had certain other Marriott co-branded cards in the past two years.
- If you stay at Marriott more than a few times each year, a card with an annual fee might offer better value.
- Marriott’s reward-night redemption can be poor compared to chains like Hyatt and IHG.
**Their poor points redemption value leaves Bonvoy near the bottom of our rankings.**
- There are multiple cards with great point transfer options. In theory, this is good.
- Finding a solid value for a Marriott stay is a challenge. A one night stay at desirable destinations can match the number of points from one card bonus.
- Values can be found, but they can be frustrating to find, so it isn’t a terrible system. It just doesn’t have the usefulness of many of the other hotel systems.
Marriott has five co-branded personal credit cards (three from Chase, including the Bold, and two from American Express), plus a business card from Amex. The Marriott Bonvoy Boundless card is a step up from the Bold, with a $95 annual fee and a sign-up bonus of three free nights (up to 50k points each). It also provides an annual free night (up to 35k points) on your account anniversary and complimentary Silver Elite status.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$28.80
Annual Fee
-$0
Net Annual Value
+$28.80
TPG and NerdWallet value Marriott Bonvoy points at 0.7-0.8 cents per point on average. However, with dynamic pricing, actual value can range from 0.4 cpp (gift cards) to 2+ cpp (aspirational hotel redemptions). The fifth night free benefit can push value even higher on 5-night stays.
Yes. Marriott Bonvoy partners with ~40 airlines at a 3:1 ratio (3 Bonvoy points = 1 airline mile). Transfers of 60,000 points earn a 5,000-mile bonus with most partners, giving you 25,000 airline miles per 60,000 Bonvoy points.
Points expire after 24 months of account inactivity. Any qualifying activity — earning, redeeming, or purchasing points — resets the clock. Simply holding a co-branded credit card and using it keeps your account active.
When you redeem points for 5+ consecutive nights at the same hotel, the cheapest night is free. This effectively saves you 20% on longer award stays and is available to all Marriott Bonvoy members, regardless of elite status.
The fastest path is the Marriott Bonvoy Brilliant American Express Card, which grants automatic Platinum Elite status. Otherwise, hold a co-branded card for 15 elite night credits, then stay 35 more paid nights to reach Platinum.
Yes. You can transfer up to 100,000 points per calendar year to another member's account, with a receiving limit of 500,000 points per year. Both accounts must be open and in good standing.
TPG's comprehensive review covering earn rates, welcome offer, and comparison with other no-annual-fee hotel cards.
Yahoo Finance's review covering the no-annual-fee card's benefits, earning structure, and travel perks.
Daily Drop's review analyzing whether the entry-level Marriott card is worth it as a no-annual-fee hotel card.
NerdWallet's review covering earn rates, Silver Elite status, and whether the card is worth it for occasional Marriott guests.
Upgraded Points' detailed review with pros, cons, and comparison to other Marriott co-branded cards.
US News review covering rewards optimization and annual fee value for Marriott travelers.
Credit Karma's review highlighting sign-up bonus, Silver Elite status, and hotel redemption value.
Official Chase card page with current welcome offer, benefits overview, and application.
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Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Coverage for accidental damage or theft on eligible purchases for 120 days, up to $500 per item
Adds one year of warranty coverage to items with 3 years or less of manufacturer warranty
We don’t recommend the Marriott Bonvoy Bevy (Amex) or Bountiful (Chase) cards. Each has a $250 annual fee, offers an 85,000-point sign-up bonus, and includes one free night (up to 50k points) per year—but only after spending $15k. They both come with Gold Elite status and 15 Elite Night Credits. If status is your main goal, consider the Marriott Bonvoy Brilliant card instead. It offers Platinum Elite status, a 100,000-point sign-up bonus (after $6k in purchases over six months), and one free night per year (up to 85k points). Though its $650 annual fee is high, various statement credits can offset much of that cost.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Coverage for accidental damage or theft on eligible purchases for 120 days, up to $500 per item
Adds one year of warranty coverage to items with 3 years or less of manufacturer warranty
We don’t recommend the Marriott Bonvoy Bevy (Amex) or Bountiful (Chase) cards. Each has a $250 annual fee, offers an 85,000-point sign-up bonus, and includes one free night (up to 50k points) per year—but only after spending $15k. They both come with Gold Elite status and 15 Elite Night Credits. If status is your main goal, consider the Marriott Bonvoy Brilliant card instead. It offers Platinum Elite status, a 100,000-point sign-up bonus (after $6k in purchases over six months), and one free night per year (up to 85k points). Though its $650 annual fee is high, various statement credits can offset much of that cost.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Coverage for accidental damage or theft on eligible purchases for 120 days, up to $500 per item
Adds one year of warranty coverage to items with 3 years or less of manufacturer warranty
We don’t recommend the Marriott Bonvoy Bevy (Amex) or Bountiful (Chase) cards. Each has a $250 annual fee, offers an 85,000-point sign-up bonus, and includes one free night (up to 50k points) per year—but only after spending $15k. They both come with Gold Elite status and 15 Elite Night Credits. If status is your main goal, consider the Marriott Bonvoy Brilliant card instead. It offers Platinum Elite status, a 100,000-point sign-up bonus (after $6k in purchases over six months), and one free night per year (up to 85k points). Though its $650 annual fee is high, various statement credits can offset much of that cost.
