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Marriott Bonvoy Bold Credit Card Review

overall rating

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The Marriott Bonvoy Bold is the hotel giant’s sole no annual fee credit card available to new applicants, offering slimmed-down rewards and benefits compared with Marriott’s other co-branded cards.

Marriott Bonvoy Bold® credit card

Overall Rating
Marriott Bonvoy Bold® credit card
On Chase's Secured Site.
Current Offer

Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.24% - 27.24% variable
Annual Fee $0
Rewards Earning Rate Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Bold(R) Card. 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains). 1X point for every $1 spent on all other purchases.
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Marriott Bonvoy Bold Card is not one of our top-rated hotel credit cards. You can review our list of the best hotel credit cards for what we think are better options.

Full Review of Marriott Bonvoy Bold Credit Card

See rates and fees

  • Decent rewards for hotels and travel

  • Low spending requirement  for one-time offer

  • Annual credit for Elite Qualifying Nights

  • Lacks free annual stay certificate

Pros Explained

  • Decent Rewards for a No-Fee Hotel Card: The Marriott Bonvoy Bold’s rewards of 3 points per dollar spent at Marriott are respectable for a card that comes at no cost, and rival those for some cards that charge a fee. With each Marriott Bonvoy point worth 1.05 cents when used for stays at the chain, according to our valuation, these purchases earn more than 3 cents in value per dollar spent. At a rate of 2 points per dollar, other travel expenses earn over 2 cents per dollar spent. Even miscellaneous expenses, at 1 point per dollar spent, earn a respectable return of over a cent per dollar spent.
  • Low Spending Requirement for One-Time Offer: Earn 60,000 Bonus Points after spending $2,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Bold® Credit Card. With those points valued at $525 when used for Marriott stays, that’s a fine return for relatively low required spending. Other cards may offer more, but those bonuses almost invariably demand far higher spending within the same time.
  • Annual Credit for Elite Qualifying Nights: As a card member, you automatically receive 15 Elite Qualifying Nights every year. That’s enough to enjoy Silver Elite status in the Marriott Bonvoy rewards program, which requires 10 qualifying nights a year to earn. This bonus allows you to enjoy such benefits as member room rates and a 10% points bonus on stays—and even leaves you with 5 of the 10 qualifying nights you need to earn Gold status, which requires earning 25 such nights a year. 

Cons Explained

  • Lacks Free Annual Stay Certificate: The Marriott Bonvoy Bold is the chain’s only card available to new applicants that charges no annual fee. But it’s also the only one that doesn’t provide a voucher on your card anniversary for a complimentary one-night stay at up to a mid-level Marriott property. The value of that night could easily equal, if not exceed, the $125 fee for the Marriott Bonvoy Business American Express or $95 tab for the Marriott Boundless. And these cards both offer double the rewards on Marriott purchases of the Marriott Bonvoy Bold—6 points per dollar, rather than 3.  

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker

The Marriott Bonvoy Bold is a card for those who have a brand preference for Marriott hotels, want to be rewarded for stays at its properties, however infrequent, and who can’t justify paying an annual fee. It can also be for Marriott customers who would rather not have to pay attention to the expiration dates for the annual stay certificates that other Marriott cards automatically provide, since the card provides none. When you do stay at a Marriott Bonvoy property, you'll receive a decent rewards rate on your purchases. You also qualify for a points bonus and other benefits (such a late checkout) through the Silver Elite status you enjoy by automatically receiving 15 Elite Qualifying Points a year through the card. 

Marriott Bonvoy Bold Credit Card Bonus

Earn 60,000 Bonus Points after spending $2,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Bold® Credit Card.

In terms of what the bonus is worth for redemption, we value it at $525 when used for Marriott stays, based on our valuation of 1.05 cents per point. Put another way, you could use the points to get up to four award nights at standard rates at a Category 1 Marriott property or a single night at a Category 4 one. 

Take note that you would be ineligible for the bonus if you currently have either of the following Marriott cards or received a new cardmember bonus from one of these cards in the last 24 months:

  • Marriott Bonvoy Premier credit card
  • Marriott Bonvoy Boundless credit card

You also don't qualify if you are or were a previous cardmember within the last 30 days of the Marriott Bonvoy American Express card, the Marriott Bonvoy Business American Express card, or the Marriott Bonvoy Brilliant American Express card.

Check the card's terms and conditions for more details on who does and doesn't qualify for the bonus.

Rewards Earning Details

The Marriott Bonvoy Bold has a fairly straightforward rewards structure. In addition to the one-time offer, you can earn rewards in one of three rates:

  • 3 points per dollar on Marriott Bonvoy purchases
  • 2 points per dollar on travel purchases 
  • 1 point per dollar on all other purchases 

With over 7,000 participating Marriott Bonvoy hotels to choose from, you have plenty of options for earning three points per dollar when booking hotel stays. And since you still earn two points per dollar on travel purchases, you can also get rewarded when booking hotels other than Marriott properties. 

There's no cap on the number of points you can earn with the credit card. Points earned from the credit card or through hotel stays can expire within your Marriott Bonvoy member account. There must be qualifying activity on the account within a two-year period, either by redeeming points or by earning points to keep it active. But a simple points-earning purchase with the card suffices as activity on the account.

Rewards Redemption Details

There are several ways to redeem points earned with the Marriott Bonvoy Bold credit card, but doing so for award nights tends to offer the best value by far. The easiest way to see what your points could be worth is to check the Marriott Bonvoy award chart. The chart features hotels in Categories 1 through 8, with off-peak, standard, and peak redemption rates. At the low end, the minimum number of points needed to redeem for a stay is 4,500, for an off-peak visit to a Category 1 property; at the high end, it's 100,000, for a peak-season night at a Category 8 hotel.

Aside from hotel bookings, you have other options for redeeming points. Those include:

  • Flights
  • Rental cars
  • Travel packages
  • Gift cards
  • Charitable donations

The redemption rates for these other options are fairly dismal, however. A representative example: it takes 30,000 points to redeem for a $100 Amazon gift card. That makes each point worth about 0.3 cents each, or less than a quarter of their potential value when used for a Marriott stay. If you don't have enough points to fully book your stay, you can also combine cash and points when it's time to redeem. With the Cash + Points option, you can book award nights with as little as $55 and 3,500 points at the standard rate. 

Transferring Points

This card offers some flexibility in how you use points since you can transfer them to Marriott Bonvoy travel partners. There are more than 40 airline frequent flyer programs to choose from, including:

  • Aeromexico ClubPremier
  • Air Canada Aeroplan
  • Alaska Airlines Mileage Plan
  • American Airlines AAdvantage
  • British Airways Executive Club
  • Delta SkyMiles
  • FRONTIER Miles
  • Hawaiian Airlines HawaiianMiles
  • JetBlue TrueBlue
  • Korean Air SKYPASS
  • Qantas Frequent Flyer
  • Southwest Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club

For most partners, points transfer at a 3:1 ratio. JetBlue TrueBlue transfers at a 6:1 ratio, while points transfer to Air New Zealand Airpoints at a 200:1 ratio. While these disparate ratios might seem to represent an alarming decrease in the transferred points’ value, they’re actually anything but. For example, Air New Zealand reward flights start at a mere 125 points, achievable when transferring 25,000 Marriott points.

You can get a 10% mileage bonus when you transfer points to programs including United MileagePlus through the RewardsPlus program. Plus, for every 60,000 points you transfer you'll get a bonus of 5,000 miles. The minimum to transfer is 3,000 points per day and the maximum is 240,000 points per day. 

Points can also be transferred if you need to rent a car for a business trip. For car rentals, Marriott Bonvoy partners with Hertz, Dollar Car Rental and Thrifty Car Rental. 

How to Maximize Your Rewards

With its highest rewards for Marriott purchases, this card is best used, naturally, to pay for stays at the chain, followed by charges for other travel costs, the next most rewarding category. Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.

Here are two examples of how you can make the most from this card, whether you’re a typical spender or an above-average one. 

Average Case

Let’s assume you spend the required $2,000 in the first three months to earn the 60,000 introductory bonus points. You then charge another $10,000 annually at Marriott hotels, $10,000 on flights and rental cars, and $10,000 on everyday purchases. Altogether, you'd earn 66,600 points in your first year with the Marriott Bonvoy Bold. You could then redeem those points for award nights, starting at 4,500 points which could potentially be redeemed for 14 nights at a Category 1 property. In all, we calculate the average value of the points earned to be $1,260.   

Aspirational Case

Here, we again assume you meet the minimum spending requirement to earn the one-time offer of three free nights. But we then assume you are a near-continual traveler who annually charges $25,000 in Marriott purchases and $25,000 in other travel expenses. Finally, you use the card extensively for everyday spending, to the tune of $25,000 over the year. This heavy card use would earn you a massive 105,000 points during your first year as a card member. Assuming these were used for Marriott stays, at an average value of 1.05 cents each, those points could be worth $1,102.

Standard Benefits

The Marriott Bonvoy Bold credit card provides these standard benefits and features:

  • Baggage-delay insurance*
  • Lost-luggage reimbursement
  • Trip-delay reimbursement
  • Purchase protection*
  • Visa concierge service

Cardholder Experience

Chase, which issues the Marriott Bonvoy Bold credit card, received a score of 807 out of a possible 1,000 in J.D. Power's 2021 U.S. Credit Card Satisfaction Study. That makes the carrier middling in customer satisfaction, landing just below the national average score of 809.

In terms of managing your account, you can do so online or through the Chase mobile app. Customer service support is available by phone, via secure message or at a branch. Live chat help isn't an option at this time. 

Security Features

This card comes with the security features you'd expect from a travel rewards credit card. Those include chip technology and the ability to set alerts to monitor suspicious account activity. 

Our Verdict

The Marriott Bonvoy Bold offers a no-annual-fee option for those who stay at the chain, and want to enjoy a few benefits when they do so. The 15 Elite Qualifying Points per year the card provides allows you to maintain Silver Elite status and get late checkout privileges, plus some other modest extras. 

Unless you’re highly averse to paying a fee, however, consider one of Chase's other Marriott Bonvoy co-branded cards. For an annual fee of as little as $95, the Bonvoy Boundless card, for instance, provides a voucher for a one-night stay at an eligible property.

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on Chase's Secured Site.
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Marriott Bonvoy Bold® credit card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.24% - 27.24% variable
Annual Fee $0
Rewards Earning Rate Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Bold(R) Card. 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains). 1X point for every $1 spent on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.