MoneyGeek’s Take

Marriott Bonvoy Boundless® Credit Card Review

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ByDoug Milnes, CFA
Reviewed byAlene Laney
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ByDoug Milnes, CFA
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Reviewed byAlene Laney
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Updated: June 10, 2024

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Marriott Bonvoy Boundless® Credit Card

Rewards RateEarn 6 points per dollar at Marriott Bonvoy hotels...
APR21.49% – 28.49% Variable
Annual Fee$95
Recommended CreditGood–Excellent
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The Marriott Bonvoy Boundless® Credit Card is for travelers who want to amp up their earning and redemption rewards from Marriott-branded hotels. The 2x earning on all purchases is a simple and easy way to quickly earn points for redemptions at participating Marriott properties. This card has a relatively high APR on purchases, balance transfers and cash advances. However, the lack of transaction fees means you’ll want to carry this card in your wallet when you’re traveling abroad.

Marriott Bonvoy Boundless® Credit Card Overview

With the Marriott Bonvoy Boundless® Credit Card, for a limited time offer you have the potential to earn 5 free nights after spending $5,000 in purchases during the first three months of activating your account (each night is worth up to 50,000 points).

Quick Take

  • Limited time offer! Earn five Free Nights (valued at 50,000 points for each night) after spending $5,000 on purchases within the first three months of account opening.
  • Earn 6X points per dollar spent at Marriott Bonvoy hotels, 3X points on up to a combined total spending of $6,000 on dining and at gas stations and grocery stores per year.
  • Earn 2X points on all other purchases.
  • Redeem points for free nights, for Lyft rides, for shopping or for car rentals
  • Transferring your reward points to partner airline frequent flyer programs is an option
  • You qualify for a free award night each year at properties with redemption levels of up to 35,000 points. These night awards start at 7,500 points. They remain valid for 12 months. In some cases, resort fees might apply.
  • You may receive up to 15 Elite Night credits each year.
  • Other than free nights, you may redeem your points for booking flight tickets and car rentals.
  • You have the option of sharing your points with other members of the Marriott Bonvoy program and of pooling your points across multiple accounts.
  • All cardholders may benefit through trip delay reimbursement, lost luggage reimbursement and baggage delay insurance.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC

Important Card Details

Cardholders pay various fees with the Chase Marriott Bonvoy Boundless card. While the card does not have foreign transaction fees, you will need to pay an annual fee as well as a balance transfer and cash advance fee. With its variable APR on purchases and balance transfers, you may need to ensure that you do not delay in making your monthly payments as this will result in high interest.

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    Variable APR on purchases and balance transfer

    The Marriott Bonvoy Boundless® Credit Card comes with a fairly high variable APR ranging from 21.49% – 28.49% depending on your creditworthiness. This APR applies to purchases as well as balance transfers. However, cash advances have an APR of 2%.

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    Balance Transfer Fee

    Marriott Bonvoy Boundless® Credit Card customers pay $5 or 5% of the transaction amount for transferring cash from another card, whichever is higher. That means if you transfer $100, you will pay $5.

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    Cash Advance Fee

    The cash advance fee for this card is $10 or 5% of the advance amount, depending on which is higher. Therefore, if you request a cash advance of $100, you will pay a fee of $10.

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    Annual Fee

    With this card, you will be charged an annual fee of $95.

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    Late Fee

    You will pay up to $40 for making your payments past the due date. You will also get a penalty APR of 29.99%.

Additional Benefits

Beyond the points you can get with this card, the Marriott Bonvoy Boundless® Credit Card offers other benefits and features. Read through them to understand if the card is right for you.

  • Balance transfers: The card allows you to transfer outstanding balances from other cards. However, due to its high APR on balance transfers, you may want to avoid using this feature.
  • Contactless pay: The Marriott Bonvoy Boundless® Credit Card supports contactless pay. You will only need to tap your card to the checkout terminal to settle your transactions.
  • Purchase Protection: You will get coverage for your new purchases against theft and damage for a maximum of 120 days against theft and damage. The limits for these are $500 per claim and $50,000 per account.
  • Customer Service: You will receive complimentary Visa signature concierge services. That means you will receive help with finding the best sports and entertainment events as well as making dinner reservations.
  • Baggage delay reimbursement: Cardholders get reimbursement for important purchases such as clothes and toiletries if their baggage delays for more than six hours, up to $100 per day for five days. For lost or damaged luggage, you get coverage of up to $3,000.
  • Elite Night Credits: Each year, you will get 15 elite night credits.

How the Marriott Bonvoy Boundless® Credit Card Compares To Other Cards

The Marriott Bonvoy Boundless® Credit Card stands out among other Marriot Bonvoy cards because of its generous rewards, including five free nights for meeting the threshold for qualifying purchases, up to 17 total points per $1 spent in a Marriott hotel and automatic Silver Elite status after each account anniversary. However, some people may prefer other options depending on the features they want in a card.

In-Depth Credit Card Comparisons:
How the Marriott Bonvoy Boundless® Credit Card Compares

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Marriott Bonvoy Boundless® Credit Card

  • Annual Fee: $95
  • Purchase APR: 21.49% – 28.49% variable
  • Balance Transfer Fee: 5%
  • Foreign transaction fee: $0
  • Cash Advance Fee: $10 or 5%
  • Hotel reward rate: 6X
  • Cash Back Reward: None
  • Best For: Overseas travel with a focus on the hotel benefits
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IHG One Rewards Traveler Credit Card

  • Annual Fee: $0
  • Purchase APR: 21.49% - 28.49% variable
  • Balance Transfer Fee: 5%
  • Foreign transaction fee: $0
  • Cash Advance Fee: 5%
  • Hotel reward rate: 17X
  • Cash Back Reward: None
  • **Best For:**Ideal for travelers seeking a card with no annual fees but with more hotel rewards than the Marriott Bonvoy Boundless® Credit Card.

Frequently Asked Questions

What is the average credit score needed to get approved for the Marriott Bonvoy Boundless® Credit Card?
Does the Marriott Bonvoy Boundless® Credit Card report to all three credit bureaus?
Is the Marriott Bonvoy Boundless® Credit Card application process lengthy? Can you prequalify?
What information is needed to apply for the Marriott Bonvoy Boundless® Credit Card?
Does the Marriott Bonvoy Boundless® Credit Card have good customer service or satisfaction?
Does the Marriott Bonvoy Boundless® Credit Card have a mobile app or the option to pay or manage your account online?
Does the Marriott Bonvoy Boundless® Credit Card raise credit limits automatically or charge for limit increases?
Does the Marriott Bonvoy Boundless® Credit Card offer the option to freeze your credit/account or have other security features?
Does the Marriott Bonvoy Boundless® Credit Card offer other credit cards besides Marriott Bonvoy Boundless® Credit Card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*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.
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