Pros and Cons
Pros:
- High rewards rate on Marriott stays
- High rewards rate on groceries, gas, and dining
- High base rate rewards
- No foreign transaction fees
- Sign-up bonus
- Annual free night award
- Automatic Silver Elite status
Cons:
- Annual fee
- Bonus rewards on groceries, gas, and dining are capped
- High spending requirement for sign-up bonus
- No intro 0% APR
- High APR
- Silver Elite Status is the lowest Marriott Bonvoy® status tier
Welcome offer
Limited-Time Offer: Earn 4 Free Night Awards (night valued up to 50,000 points) after spending $3,000 in the first three months.
Rewards
- Up to 17X Points on Marriott Stays: 6X points for every $1 spent with the Marriott Bonvoy Boundless® Card + up to 10X points as a Marriott Bonvoy® member + 1X point with Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember.
- 3X Points Categories (on up to $6,000 in combined purchases per year):
- Grocery Stores
- Gas Stations
- Dining
- 2X Points on all other purchases.
Redemption Options
Redeem points for free nights at Marriott hotels, for flights, experiences, and more. Points will not expire as long as you make purchases on your credit card every 24 months.
Big4credit Tip: If you stay at multiple hotel brands, a travel card that allows you to transfer points to several hotel and airline loyalty programs may offer more flexibility.
Fees and APR
- Annual Fee: $95.
- Regular APR: 19.24% - 27.74% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
- Annual Free Night Award: Receive a free night each year after your account anniversary (up to 35,000 points).
- $100 Airline Credits (Limited-Time): Get up to $100 in statement credits through 6/30/2027 - earn $50 after spending $250 with airlines from June to December 2026, and another $50 after spending $250 from January to June 2027.
Hotel Elite Status
- Marriott Bonvoy® Silver Elite Status: Enjoy automatic Silver Elite status with benefits like late checkout and bonus points on stays.
- Elite Night Credits: Earn 1 Elite Night Credit toward status for every $5,000 spent.
- Annual 15 Elite Night Credits: Receive 15 Elite Night Credits each calendar year.
- Path to Gold Status: Earn Gold Elite status when you spend $35,000 in purchases each calendar year.
Travel Protections
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 5 days for essential purchases if your baggage is delayed more than 6 hours.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Trip Delay Reimbursement: If your trip is delayed by more than 12 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
Purchase Protections
Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Lifestyle Perks
- Visa Signature Concierge: 24/7 concierge assistance for travel planning, dining reservations, event tickets, and other services (availability and outcomes not guaranteed).
- DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
- Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
Convenience Features
Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Buy Now, Pay Later Options
Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Ratings
- Net Value & Cost Efficiency: 9/10
- Rewards & Earnings Power: 7.2/10
- Welcome Bonus Value: 9/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 3/10
- Simplicity & Transparency: 7/10
- Perks, Benefits & Protections: 5.6/10
- Issuer Credibility & Stability: 8.2/10
- Installment & BNPL Features: 7/10
- Eligibility & Approval Accessibility: 7/10
Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.
Terms and Conditions
Click Apply Now to see the terms and conditions.
» MORE: See Big4credit’s best travel credit cards
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.