Marriott Bonvoy Credit Card Review - The Choice for Marriott-goers
If you are someone who enjoys luxury stays in Marriott properties across the world, having a hotel credit card that earns rewards on your spending is a must. Marriott is a large hotel group that has properties spread out all over the world. Additionally, it allows you to pay for the flights and your hotel stay through a credit card. You can earn points whenever you stay at a Marriott property which is why one of the top cards for frequent travelers is the Marriott Bonvoy Boundless Credit Card.
The Marriott Bonvoy Boundless Credit Card offers several benefits for travelers. It allows you to turn the spending into rewards that you can redeem on your stay and travel. The current benefits at Marriott group hotels can justify the annual fee of $95 along with the silver status, which is great to have, but the card has some nominal travel rewards for spending. Here is a complete card review of the Marriot Bonvoy Boundless Credit Card for you.
- What is Marriott Bonvoy Credit Card
- How does Marriott Bonvoy Credit Card Work?
- How much does Marriott Bonvoy Credit Card cost?
- Features of Marriott Bonvoy Credit Card
- Who is the Marriott Bonvoy Credit Card best for?
- Who shouldn’t use Marriott Bonvoy Credit Card Express?
- Pros and Cons
- Marriott Bonvoy Boundless Credit Card vs. competitors
- The bottom line
What is Marriott Bonvoy Credit Card
Marriott Bonvoy has several rewards cards for its members. If you are a Marriott loyalist, the Marriott Bonvoy Boundless Credit Card will be your first choice. You can earn Marriott points for every purchase, and you also enjoy an impressive welcome bonus that you can use towards any of the hotels. But the points will rack up very slowly, and most purchases will only earn 2 Marriott points for every dollar you spend. You can redeem the card with a range of different benefits. You are directly upgraded to the Silver Elite status in the Marriott Bonvoy program, where you can take advantages of priority late checkout, free Wi-Fi, and points on all your stays.
A major benefit is the free nights that are added to the Marriott account every year after the account anniversary. This certificate will be valid for a stay of one night at the properties where you need 35,000 points or less. There are some valuable benefits for travelers. It has no fees for foreign transactions, and the basic trip delay insurance and lost luggage insurance are included.
How does Marriott Bonvoy Credit Card Work?
The best way to find the right Marriott card for your use is on the website of Marriott. You will see different cards, including Marriott Bonvoy Bold and Marriott Bonvoy Boundless, offered by the organization, and you need to click on Learn more on Marriott Bonvoy Boundless Credit Card.
Once you do, you are redirected to a new page where you will have to fill the form with complete details. It will not take more than 10 minutes to complete the process of account opening.
You will have to provide details about the primary source of income, and you must have excellent credit to get the card approval. When you click on submit, the application will be reviewed and approved by the team.
How much does Marriott Bonvoy Credit Card cost?
Marriott Bonvoy Boundless Credit Card will not burn a hole in your wallet, and you do not need to be worried about the fees. The annual fee is $95, and there are no foreign transaction fees you need to pay. The perks and rewards offered do make up for the yearly fee. The other ongoing cost is the variable APR. It can range from 15.99% to 22.99% on the purchases and balance transfers. However, there is no purchase intro APR. The balance transfer fee is either 5% of the transferor $5 (whichever is greater), and the cash advance charges are 5% of the amount of $10 (whichever is greater.)
Features of Marriott Bonvoy Credit Card
Marriott Bonvoy Credit cardholders get an automatic Silver Elite Status, and they will earn Gold Elite if they charge $35,000 or more for purchases in a year.
Free night on the anniversary
On the anniversary of joining Marriott Bonvoy, one year after opening the account, you get to enjoy one free night worth 35,000 in points at a Marriott property.
Trip delay reimbursement
You can enjoy up to $500 reimbursement for the purchases you make, like meals and for flights that have been delayed for 12 hours or more.
Lost luggage reimbursement
In case of loss of luggage, you will get reimbursement up to $3,000 per passenger.
No foreign transaction fees
When you make a foreign transaction using the card, you do not have to pay any fees. You can save 2-3% on the transactions compared to the other cards without an annual fee.
All the cardmembers enjoy access to Visa Signature Concierge Service, a 24-hour service to assist you with entertainment and dining reservations when traveling.
Free bonus nights
You can earn 3 free nights once you make the qualifying purchases of $3,000 within the first three months. Each night will be valued at up to 50,000 points. Additionally, you get 10X points on the purchases you make in select categories. You also enjoy 15 elite nights in credit for each year.
There are several different ways you can earn rewards and redeem them.
- It is very easy to earn points on your Boundless card.
- The purchases you make at any Marriott Bonvoy property will earn up to 17X points for one dollar spent.
All the other purchases will earn 2 points for one dollar, irrespective of the category.
The points will not expire as long as there is an activity in the account within the last 24 months. All the rewards you earn on the card are reflected as Marriott Bonvoy reward points, and are automatically deposited into your account. Hence, you can earn rewards instantly as the points from your card will be combined with the points you earn through each hotel stay.
All the points earned will be deposited in the Marriott Bonvoy account, so you will have access to all the redemption options. The most basic reward choice is to use the points and enjoy a free night at one of the many Marriott properties. The hotels are divided into different categories. The Category 1 hotel will cost as low as 4,500 points for a one-night stay during the off-peak dates, and it can go as high as Category 8 hotels, where it will be 100,000 points for a night.
If you are a Marriott member, you can stretch the points by seeking the PointSavers hotels to enjoy a 20% points discount. You can save the points when you book longer stays. This means your fifth consecutive night will be free in case of a booking where you redeem the points to pay for the first four nights.
You can also book Cash + Points reservations and use cash copay to reduce the points required. There are several ways to redeem points, including using the points to pay for your hotels or flights. The Hotel+ Flight package allows you to redeem for outsized value by redeeming a flat rate of points for more extended stays, and you can also opt for the frequent flyer programs.
You can also transfer the Bonvoy points to partner airlines of Marriott. If you have more points than you can use for travel, you can consider buying experiences known as Marriott Bonvoy Moments or purchasing merchandise using the points.
Who is the Marriott Bonvoy Credit Card best for?
- Frequent Marriott Travelers. Marriott Bonvoy Credit Card is ideal for Marriott loyalists. An annual fee of $95 works perfectly for those who enjoy staying at Marriott properties.
Who shouldn’t use Marriott Bonvoy Credit Card Express?
- Occasional Marriott travelers. If you do not always prefer to stay at Marriott properties, this card is not suitable for you.
- Travelers who want to build up points through regular purchases. The card does not offer great deals on everyday monthly purchases. You can earn 2 points for each dollar you spent, but it will not add up to enough points that you can use for your hotel stay.
Pros and Cons
- Silver Elite Status
- 15 Elite Night Credits a year
- Free night certificate each year
- High regular APR
- Weak earnings system
- $95 annual fee
- High credit score requirement
Marriott Bonvoy Boundless Credit Card vs. competitors
|Card||Annual Fee||APR||Rewards||Bonus Miles|
|Marriott Bonvoy Boundless Credit Card||$95||15.99% - 22.99%||17X points for $1 spent at Marriott Bonvoy properties and 2X for $1 for all other purchases||3 free nights valued up to 50,000 after spending $3,000 in the first 3 most|
|Capital One Venture Rewards||$95||17.24% - 24.49%||2X on every purchase||60,000 miles after spending $3,000 in the first 3 mos.|
|Delta SkyMiles Gold American Express||$0 for the first year, then $99||15.74% - 24.74%||2X on dining, travel; 1X all other purchases||40,000 miles after spending $1,000 in the first 3 mos.|
|Chase Sapphire Preferred||$95||15.99% – 22.99%||2X points on dining, travel; 1X all other purchases||100,000 bonus miles after spending $4,000 in the first 3 mos.|
|Hilton Honors American Express Card||$0||15.74% - 24.74%||7X points on Hilton travel; 5X on gas and groceries; 3X all other purchases||100,000 bonus miles after spending $1,000 in the first 3 mos.|
Chase Sapphire Preferred
If you are a traveler but not a Marriott loyalist, you may want to consider the Chase Sapphire Preferred card. You can earn 2X points on dining, delivery services, and travel and 1X points on other eligible purchases. You enjoy higher flexibility to redeem the points, and you can use it for different travel programs, including Marriott Bonvoy. It has an annual fee of $95 with no foreign transaction fee and no hassles of program restrictions.
Capital One Venture Rewards
With Capital One Venture Rewards, you pay an annual fee of $95, which is worthwhile if you are a frequent traveler. It has enough bonus points and perks for new cardholders. You get unlimited double miles for each dollar spent on any purchase, and you also earn 60,000 bonus miles if you spend $3,000 in the first three months. The biggest advantage of Capital One is that you can transfer the miles to more than 10 travel loyalty programs and redemption options include online shopping at Amazon.
Delta SkyMiles American Express
Delta SkyMiles American Express is ideal for travelers who often fly Delta. It has a $0 annual fee for the first year and $95 after that. The card is ideal for regular purchases for those who want to use it, but it offers limited redemption options. The redemption rates are flexible and often fluctuate based on the demand. The redemption value remains tied to Delta, and you cannot transfer them to other loyalty programs.
Hilton Honors American Express Card
For those who prefer Hilton properties to Marriott, you'll find its travel rewards available on its American Express card. Its introductory card provides 100,000 bonus points after you spend $1,000 in the first three months, and you can earn up to $100 in statement credits for purchases directly made at Hilton in the first year of having your card. An added plus is no annual fee, and you'll earn 7x the points on Hilton purchases, 5x the points at grocery stores and gas stations, and 3x the points on all other eligible purchases. You'll also receive complimentary Silver status in Hilton Honors. If you choose the Surpass or the Aspire Card, you can earn 12x or 14x the bonus points, respectively. Surpass has a $95 annual fee that is waived the first year while Aspire's annual fee is $450.
Related: Best Rewards Cards
What are the different ways I can redeem the points?
There are several ways you can redeem the points. You can either pay for the hotel stay or book a hotel and flight using the points. Alternatively, you can buy merchandise or use the points for purchase experiences at Marriott Bonvoy Moments.
Can I use the points for hotels other than Marriott properties?
No, you will not be able to pay through the card for your stay at any property besides Marriott properties.
Will my Marriott membership reward points expire?
The points will not expire as long as there is an activity on the account in the last 24 months.
The bottom line
If you are a frequent traveler and love to stay at Marriott properties, there is no limit to the points you can earn on the card. The anniversary credit and the 3-night stay can make the $95 annual fee worthwhile. However, it might not be a good deal if you are trying to rake up points through regular purchases. If you are looking for flexible loyalty programs with better reward rates, you need to consider other options. Again, if you truly want to maximize on the Marriott points, you may want to pay for a premium card.
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