Marriott Bonvoy Bold Review

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The Marriott Bonvoy Bold card (issued by Chase) is the most affordable option of the Marriott Bonvoy family of cards. This card is best for people who don’t stay at Marriott enough to warrant the savings that come with a higher-priced (but more savings-rich) card but want a few of the benefits that accompany Silver status.

Marriott Bonvoy Bold® credit card

Overall Rating
Marriott Bonvoy Bold® credit card
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 (%) 15.99% - 22.99% 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™.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

Who Is This Credit Card Best For?

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    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
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    Adventure Seeker
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    Brand Loyalist

If you like staying at Marriott hotels when you travel, you have a lot of choices of credit cards to help you maximize your spending there. There are currently four Marriott cards available, including business cards. 

If you travel a lot and enjoy the finer things in life, we’d steer you toward one of the cards with more perks and rewards (and an annual fee). If you don’t travel quite so often and you just prefer a bed to sleep in when you do, the Marriott Bonvoy Bold might be a good option. We’d also especially recommend it to people who aren’t interested in paying any annual fees, and who have good to excellent credit. 

  • Good welcome bonus

  • Automatic Silver status

  • Restricted earning opportunities

  • Rewards can expire

Pros Explained

  • Decent welcome bonus: If you spend at least $1,000 with the card in your first three months, you’ll get a 30,000-point bonus, which we calculate has an average value of $315 when used for hotel stays. This bonus is about average compared with those offered by other no-annual-fee hotel cards. 
  • Automatic Silver status: You’ll get credit for 15 “elite night” stays each year, which will automatically boost you up to the silver elite level. This gives you free Wi-Fi and late checkouts, and earns you 10% more points for hotel purchases, among other things.

Cons Explained

  • Restricted earning opportunities: Other no-annual-fee hotel cards offer many extra ways to turn everyday purchases into more rewards. But with the Marriott Bonvoy Bold card, the only way other than Marriott stays to earn more bonus points is by spending on other travel, which might be hard to do if you don’t jet-set a lot in the first place.  
  • Rewards can expire: You’ll need to earn or redeem Bonvoy points (which can include using this card to earn points) at least once every 24 months to keep the account active. Otherwise, your accumulated points will expire. That’s not that unusual for a points or miles program—but coupled with the limited earning opportunities, this isn’t a good card for infrequent travelers. 

Bonus for New Cardholders

To earn the card's welcome bonus, you’ll need to spend at least $1,000 on your card within the first three months after you get the card. If you can do that, you’ll get a 30,000-point credit into your account. By our math, that’s worth about $315, which is about average compared to other annual fee-free hotel card bonuses, and should get you at least one award night.

This offer likely isn’t available to you if you’ve had one of the other Marriott cards recently. That’s often the case with sign-up bonuses, but it bears repeating here because the Marriott Bonvoy Bold is a popular card to which people downgrade if they want to keep a Marriott card, without paying the annual fee that accompanies other cards. 

Earning Points & Rewards

The bonus on this card is good, but once you’re back to earning normal rates with this card, it’s rather disappointing. You’ll earn 3 points per dollar spent with Marriott, 2 points per dollar spent on other travel purchases, and 1 point per dollar spent on everything else.

Many other hotel cards allow you to earn points on groceries, gas, and other non-travel spending that you can redeem for free stays, but not the Marriott Bonvoy Bold card. So although this is a good card to choose if you don’t travel much (or at least enough to warrant a higher-priced card), you can’t rack up points as fast as with other co-branded hotel cards. 

That said, you can earn additional points with Marriott Bonvoy travel partners, such as Hertz rental cars and cruise companies, although you don’t need to be a cardholder to do so.

Redeeming Rewards

Most people will probably use their points toward free stays at Marriott properties, and that’s where they have the greatest value. According to our math, each point is worth 1.05 cents on average when redeemed in this way. A single night’s stay can set you back anywhere from 5,000 points to 100,000 points, depending on what category the property is in (categories range from 1 to 8), and whether you’re traveling on off-peak, standard, or peak travel dates.

If you don’t have enough points for a full night’s stay at your desired hotel, the cash+points payment feature allows you to redeem some points for a discounted rate. You can use this option once you’ve accumulated as few as 1,500 points, and can also use it for airfare (starting at 10,000 points), car rentals and vacation packages. 

You can also transfer your points to one of more than 40 airline loyalty programs, and Marriott will also give you an extra 5,000 points for every 60,000 points you transfer over to another program. However, the transfer ratio is 3 points to 1 mile for most programs. 

Finally, Marriott also allows you to redeem your points for a few other options, including TSA Precheck, airport lounge passes, on-site food and activities at Marriott properties, room upgrades, online shopping, gift cards, and donations. With many of these options, your points won’t go as far, however. For example, when used for donations, points are valued at about 0.35 cents each.

If you’re a member of both Marriott Bonvoy and United MileagePlus, your Bonvoy points could go 10% further when redeeming for RewardsPlus air and hotel packages, or converting to MileagePlus miles. 

How to Get the Most Out of This Card

Use this card when you’re staying at a Marriott property. If you’re redeeming points for more than four nights, you’ll get one free night as part of the “Stay for 5, Pay for 4 Award,” so that may be a good way to use your points. 

But if you’re really looking to amplify your free travel, you’d be better off pairing this card up with a no-annual-fee cash-back rewards card because they typically offer a better return on everyday purchases than this card. You can then use those points for whatever rewards you want, Marriott stays or otherwise.

Excellent Perks

Depending on whether you’re approved for a Visa Platinum or a Visa Signature card, you may have these particularly good perks available to you:

  • Insurance coverage for trip delay: Receive reimbursement for up to $500 per person if your trip is delayed by 12 hours or more, such as from weather or equipment problems.
  • Elite hotel status: You’ll get credit for 15 qualifying nights each year, which bumps you up to silver elite status.
  • Insurance coverage for lost or delayed luggage: Receive reimbursement for up to $100 per day (for five days) for baggage delays, or up to $3,000 for lost baggage.
  • Travel accident insurance: Accidental death or dismemberment coverage of up to $500,000, when you use your card to pay for air, bus, train or cruise tickets

Other Features

  • Concierge for booking event tickets, travel, and other services
  • Rental car collision insurance (secondary to your own policy)
  • Insurance for stolen or damaged purchases

Customer Experience

Chase ranks just below average in a 2021 J.D. Power survey of customer satisfaction among credit card issuers. If you need help with your account you can get a hold of someone through a secure messaging system in your account, by visiting a local Chase branch, calling up customer support, or even through social media channels. 

Chase also has a tool called Credit Journey that gives you access to your free credit score and credit monitoring. You don’t have to be a Chase customer to use Credit Journey.

Security Features

Chase offers standard things like secure logins and account alerts if anything’s fishy with your account. It also offers one feature we really like—the ability to lock and unlock your card from the app. But aside from that, it’s relatively humdrum.  


The Marriott Bonvoy Bold doesn’t charge excessive fees, with the exception of the balance transfer fee which is either $5 or 5% of the purchase amount, whichever is greater. It does not charge a foreign transaction fee, which helps if you plan to use it overseas.

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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 (%) 15.99% - 22.99% 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™.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. “2021 U.S. Credit Card Satisfaction Study.” Accessed September 4, 2021.