What is the average credit score needed to get approved for the Marriott Bonvoy Bold® Credit Card?

You need to have good to excellent credit to qualify for the Marriott Bonvoy Bold® Credit Card.

Does the Marriott Bonvoy Bold® Credit Card report to all three credit bureaus?

Yes, this card reports customers’ payment history to all three credit bureaus.

Is the Marriott Bonvoy Bold® Credit Card application process lengthy? Can you prequalify?

The Marriott Bonvoy Bold® Credit Card application process is short. You can submit the application online through the Chase website. Prequalification depends on the Marriott cards you already have.

What information is needed to apply for the Marriott Bonvoy Bold® Credit Card?

You will need to provide your personal details such as your name, state and mailing address. You also need to state your financial information and contact details.

Does the Marriott Bonvoy Bold® Credit Card have good customer service or satisfaction?

Chase scored 809 out of 1000 on <a href="https://www.jdpower.com/business/press-releases/2020-us-credit-card-satisfaction-study" target="_blank">J.D. Power’s customer satisfaction scale</a>, meaning that the company has good customer service. Members can also access 24/7 signature customer service through the mobile app and via phone.

Does the Marriott Bonvoy Bold® Credit Card have a mobile app or the option to pay or manage your account online?

The Marriott Bonvoy Bold® Credit Card offers an option for individuals to apply for cards and manage their accounts online. There is also a mobile app that you can use to get information about the Marriott Bonvoy hotel amenities as well as dining and transportation options.

Does the Marriott Bonvoy Bold® Credit Card raise credit limits automatically or charge for limit increases?

Marriott Bonvoy Bold® Credit Card credit limits do not increase automatically.

Does the Marriott Bonvoy Bold® Credit Card offer the option to freeze your credit/account or have other security features?

The Marriott Bonvoy Bold® Credit Card does not have an option to freeze accounts. However, the contactless payment option ensures adequate security for online payments.

Does Chase offer other credit cards besides the Marriott Bonvoy Bold® Credit Card?

Chase has various other travel and business cards, including the Southwest Rapid Reward Plus credit card, Chase Marriott Boundless credit card and the Ink Business Unlimited credit card.

Marriott Bonvoy Bold® Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Marriott Bonvoy Bold is a strong, beginner-friendly points card with a good earning capacity. You earn double points on purchases made on travel purchases such as airfare, taxis, and trains, all without an annual fee. Another benefit of the Marriott Bonvoy Bold® Credit Card is its contactless pay capability. You only need to tap the card to a checkout terminal to make your payments. That makes the card more secure when used to settle your accommodation, travel and other related expenses. Moreover, cardholders do not pay international transaction fees.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Marriott Bonvoy Bold® Credit Card at a Glance

Apart from charging no annual fees, the Marriott Bonvoy Bold® Credit Card has several other benefits for cardholders. Members are automatically eligible for 15 elite qualifying nights each year, which are enough to enjoy Silver status in the Chase rewards program. This provides access to better rates and a 10% points bonus on hotel accommodations.

Marriott Bonvoy Bold® Credit Card
Great no annual fee card for earning points at Marriot properties
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–2 Points per $1Rewards Rate
- 3xRewards Rate at Hotels
- 2xRewards Rate on Air Travel
Pros
Earn three points per dollar spent on Marriott Bonvoy purchases, two points on travel purchases and one point per dollar on other expenses
No foreign transaction fees
Customers who spend $2,000 in the first six months get 60,000 points
No annual fees
Annual credit for elite qualifying nights
Travel and purchase coverage

Cons
Cardholders must use the card at least every 24 months to avoid losing points
No cash back rewards
Low value on redemption points outside hotel room awards
Rewards limited to hotels
Card users can earn unlimited points
Only eligible purchases can apply to the $2,000 spend bonus
Additional terms and conditions may apply
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Pros & Cons Explained

While you may be aware of some Marriott Bonvoy Bold® Credit Card benefits, you also need to understand the card’s drawbacks. This information can help you decide if the card is right for you.

Pros

Benefits
Description
No foreign transaction fee
With other cards, you may pay up to 3% for transactions made outside the United States. Using this card means that you will not pay any fees for international transactions.
Travel and purchase coverage
The card makes you eligible for baggage delay coverage of up to $100 per day for five days, lost luggage coverage of up to $3,000 per passenger and trip delay reimbursement of up to $500 per ticket.
No annual fee
Like most other leading cards, you will not be charged any annual fees for using the Marriott Bonvoy Bold® Credit Card credit card.
Excellent rewards
The card offers several points for each transaction.

Cons

Drawbacks
Description
Points earned in limited situations
Cardholders will not earn points on cash advances, balance transfers or any cash-like transactions.
Limited Marriott Bonvoy benefits
Since the card has no annual fee, some of the special benefits that come with other hotel cards, like a free night certificate or complimentary upgrade on the elite status, are not available.
Good credit is required
You must have good or excellent credit to qualify for this card.
Points can expire
You will need to actively participate in the Marriott Bonvoy program to avoid losing your points.
The best rewards are tied to Marriott hotels
Some of the perks may not make sense if you do not intend to stay at Marriott hotels.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

MoneyGeek ranked its database of credit cards across different categories. You can compare this card with the recommended travel cards and see whether you can find the right option for your travel needs.

Bonuses & Rewards Explained

Marriott Bonvoy Bold® Credit Card customers are usually entitled to various bonuses and rewards.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

Sign-up bonus

Once you get this card, you will receive 60,000 bonus points if you spend $2,000 on transactions within the first six months of opening your account.

Travel and purchase coverage

Card users receive perks like baggage delay and trip delay coverage, as well as 24/7 signature concierge service.

Rewards

Members earn three points for each $1 spent at any Marriott Bonvoy hotel and up to 10 points for being a Marriott Bonvoy member. They also get Silver Elite status for being Marriott Bonvoy cardmembers.

Other Features Explained

There are several other features associated with this card besides its benefits and rewards.

Card Feature
Description
15 elite night credits each year
With this card, you can earn 15 nights per year, qualifying you for Silver Elite Status.
Purchase protection
Your purchases will be covered against theft and damage for 120 days for up to $500 per claim and $30,000 per account.
Customer service
You can access the Visa Signature Concierge Service any time of the day if you need assistance with making reservations for meals, entertainment and much more.
Contactless pay
The Marriott Bonvoy Bold® Credit Card offers added security with its tap to pay feature.

MONEYGEEK EXPERT TIP

"This card offers a lot of bonus points for a card with no annual fee. This is a great way to add some points to your Marriott Bonvoy loyalty account without having to pay an annual fee." - Alene Laney, Credit Card Journalist

Understanding the Fine Print

While this card offers a sign-up bonus to new cardmembers, it is essential to mention that individuals who have the Premier credit card and Boundless credit card from Marriott Bonvoy in the past 24 months are not eligible to receive the bonus. However, the card is an ideal option for individuals seeking to supplement their rewards without an additional annual fee.

Card Feature
Amount or Rate
APR
20.99% – 27.99% Variable
Annual Fee
$0
Cash Back Rewards
Rewards Rate
1–2 Points per $1
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
1x
Rewards Rate on Dining
1x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
1x
Rewards Rate on Air Travel
2x
Rewards Rate at Hotels
3x
Balance Transfer Fee
$5 or 5%, whichever is greater
Balance Transfer APR
20.99% – 27.99% Variable
Late Fees
Up to $40
Cash Advance Fee
$10 or 5%, whichever is greater
Cash Advance APR
29.99% Variable
Foreign Transaction Fee
None

Variable APR on Purchases
The Marriott Bonvoy Bold® Credit Card has a variable APR of between 20.49% – 27.49% on all purchases. The rates depend on each market’s prime rates and the customer’s creditworthiness. The same APR rates apply for balance transfers as well as the My Chase Loan feature, although promotional offers with fixed APRs may be available on some accounts once in a while.
Penalty APR
Marriott Bonvoy Bold® Credit Card customers may also pay a penalty APR of up to 29.99% if they fail to make the minimum payment by the due date or if the payment is returned as unpaid. Most cardholders avoid this penalty since it may last indefinitely if it’s applied to their accounts.
My Chase Plan Fee
This is a fixed monthly rate charged on each eligible purchase transaction per month. For this card, the fee is 1.72% of the transaction cost, and this amount remains constant until you complete payment for your plan.
Balance transfer Fee
The Marriott Bonvoy Bold® Credit Card balance transfer fee is $5 or 5% of the amount transferred depending on whichever amount is higher. For instance, if you transfer $50 from another card to your Marriott Bonvoy Bold® Credit Card, you will pay $5 since 5% of $50 is $2.50, which is less than $5.
Late payment Fees
Marriott Bonvoy charges $40 as the late fee for the Marriott Bonvoy Bold® Credit Card as well as a return payment fee of the same amount.
Cash Advance Fee
You will pay $10 or 5% of the amount taken as cash advance based on whichever is greater.

FINDING YOUR CARD'S RATES AND FEES

Various factors contribute to the best credit cards to apply for, including the associated fees as well as the benefits and rewards associated with the card. If you are not sure whether purchasing the Marriott Bonvoy Bold® Credit Card is the best deal, you can compare it with other similar credit cards in the travel category. You may find some vital comparison information on the provider’s app or website. You can also check your billing information or the credit card agreement database owned and maintained by the Consumer Financial Protection Bureau.

Who Should & Shouldn’t Consider Marriott Bonvoy Bold® Credit Card?

Other Considerations for Marriott Bonvoy Bold® Credit Card

While this card provides various rewards, you may need to make a few considerations to ensure that you draw the most benefits from it. These considerations can be based on if the card will be your only card or an additional card in your wallet.

Things to Consider if This Will Be Your First or Only Credit Card

To get this card, the first aspect you may wish to consider is your credit score. The card is meant for individuals with good or excellent credit scores. The more you use the card, the more points you will earn. To qualify for the sign-up bonus, you will need to spend at least $1,000 within the first three months of opening your account. The card also features numerous perks for travelers and may not offer the highest reward to you if you do not intend to travel.

Things to Consider if This Will Be an Additional Card in Your Wallet

The Marriott Bonvoy Bold® Credit Card benefits are most suited for individuals who love spending at the Marriott Bonvoy hotels. With over 7,000 participating Marriott Bonvoy hotels, members will have many options when booking hotel stays and will earn three points per dollar for such transactions. Since members also earn two dollars on travel purchases, you can also get good rewards even if you do not stay on the Marriott properties.

WHY TRUST OUR REVIEWS

To determine the best credit cards, MoneyGeek utilized a detailed step-by-step assessment process. The first step was to obtain the relevant credit card information from the Consumer Finance Protection Bureau. We then generate standard data points and ideal spend profiles, outline the bonuses offered by each card option and carry out a continuous assessment of the information relating to each card every month.

How Marriott Bonvoy Bold® Credit Card Compares to Other Cards

The Marriott Bonvoy Bold® Credit Card is one of the few cards that combine travel and purchase coverage with no annual fees. If you have good to excellent credit, you can make use of the card to enjoy various rewards. However, other cards may be better suited to your needs.

In-Depth Credit Card Comparisons:

Marriott Bonvoy Bold® Credit Card vs Marriott Bonvoy Boundless® Credit Card

Quick Comparison of Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

Annual fee: $0
Purchase APR: 20.49% – 27.49% variable
Sign up bonus: 60,000 points for spending $2,000 in the first 6 months
Balance transfer fee: $5 or 5%
Foreign transaction fee: $0
Cash back fee: $10 or 5% on all purchases
Best For: Travelers and loyal customers to Marriott Bonvoy

Hilton Honors American Express Card

Annual fee: $0
Purchase APR: 20.49% - 29.49% variable
Sign up bonus: 100,000 points for spending $2,000 in the first six months. Offer expires 4/5/2023.
Balance transfer fee: $5 or 5%
Foreign transaction fee: $0
Cash back fee: $10 or 5% on all purchases
Best For: Travelers seeking to earn more points on signup, and who are loyal to the Hilton chain of hotels

Other Helpful Decision-Making Q&As

According to the Marriott Bonvoy Bold® Credit Card reviews, the card has features that are ideal for travelers seeking to supplement cards that do not offer enough travel rewards. If you want to get this card, here are some of the commonly asked questions that you are likely to come across.

Still not sure about this card? Consider these options.

While this card carries several benefits and rewards, you may not enjoy its perks if you are not a traveler. You may also miss out on some rewards if you do not stay in a Marriott Bonvoy facility when you travel. The card doesn’t rank among the best options for travel, but you can check out some alternatives across various other categories, such as the best secured cards and best balance transfer cards from MoneyGeeks recommendations.

View All Credit Cards

Learn more about credit cards in general

sources

Chase Credit Cards. "Marriott Bonvoy Bold: Hotel and Travel Credit Card." Accessed September 3, 2021.
Marriott Bonvoy. "Marriott Bonvoy Credit Cards." Accessed September 3, 2021.
J.D. Power. "2020 U.S. Credit Card Satisfaction Study." Accessed September 3, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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