Review: Marriott Bonvoy Bold Credit Card

Chase recently launched an entry-level no annual fee Marriott card, the Marriott Bonvoy Bold credit card. The card has an attractive welcome offer and 15 Elite Night credits.

Key features

  • Annual fee: $0

  • Welcome offer: 30,000 Bonvoy points after $1,000 in spend within the first 90 days of account opening

  • Spending Multipliers:

    • Earn 3X Bonvoy points per $1 spent at Marriott Bonvoy hotels

    • Earn 2X Bonvoy points per $1 spent on travel

      • Includes airfare, taxis, and trains

    • Earn 1X Bonvoy points on all other purchases

    • 15 Elite Night Credits each calendar year

    • No foreign transaction fees

Welcome Offer and Eligibility

The Marriott Bonvoy Bold card has a 30,000 point welcome offer after $1,000 in spend within the first 3 months of account opening.

The Chase Marriott cards are affected by the Chase 5/24 rule, which states that you not be approved if you have opened more than 5 credit cards from any credit issuer within the past 24 months.

The Marriott Bonvoy Bold welcome offer is NOT available to you if:

  • You currently hold the an active Chase Marriott credit card

    • Marriott Bonvoy™ Premier credit card (also known as Marriott Rewards® Premier)

    • Marriott Bonvoy Boundless™ credit card (also known as Marriott Rewards® Premier Plus)

    • Marriott Bonvoy Bold™ credit card

OR

  • If you previously received a Chase Marriott credit card new cardmember bonus within the last 24 months:

    • Marriott Bonvoy™ Premier credit card (also known as Marriott Rewards® Premier)

    • Marriott Bonvoy Boundless™ credit card (also known as Marriott Rewards® Premier Plus)

    • Marriott Bonvoy Bold™ credit card

OR

  • If you currently or were a previous American Express Marriott cardmember (One Lane Rule):

    • Current or previous cardholders (within the last 30 days) of the Marriott Bonvoy™American Express® Card (also known as The Starwood Preferred Guest® Credit Card from American Express)

OR

  • If you currently have or previously had any American Express Marriott Bonvoy new cardmember bonus or upgrade with the last 24 months

    • Marriott Bonvoy Business™ American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express)

    • Marriott Bonvoy Brilliant™ American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card)

OR

  • If you applied and were approved for the Marriott Bonvoy Business OR the Marriott Bonvoy Brilliant within the last 90 days

    • Marriott Bonvoy Business™ American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express)

    • Marriott Bonvoy Brilliant™American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card)

Essentially, if you currently hold any Marriott credit card, regardless of if it’s from Chase or American Express, you do not qualify to earn the welcome offer from the Marriott Bonvoy Bold.

Optimal Strategy

Due to the restrictive welcome offer eligibility rules of the Marriott Bonvoy Bold, the optimal strategy would be to use the card as a no annual fee product change option.

If you’re looking for hotel perks, I recommend going for the Marriott Bonvoy Boundless instead. The Boundless has a $95 annual fee, but it also comes with a free cardmember anniversary night worth up to 35,000 points. It’s possible to get positive expected value each year depending on how you plan to redeem the free night.

Once you stop getting positive expected value from the Marriott Bonvoy Premier or Boundless card, you can product change it to the Bold and keep your credit history alive.


Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.”