Marriott Bonvoy Bold® Credit Card
The Bold is the keep-forever Marriott card. It earns 3X points per $1 at Bonvoy hotels, up to 14X in total with member and elite earnings, and 2X on a set of everyday categories including groceries, rideshare, select food delivery, select streaming and internet, cable and phone services. There is no annual fee and no foreign transaction fee. It has no anniversary free night, so heavier Marriott guests usually step up to the Boundless.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Automatic Silver Elite status with no fee to carry it
- 5 Elite Night Credits each year that stack with credits from stays
- 45,000-point welcome offer on a $1,000 spend in 3 months
- 2X on practical everyday categories, including groceries and streaming
- Travel protections rare on a no-fee card: trip delay, lost luggage, baggage delay
- One year of complimentary DashPass membership
- Annual fee: $0
- Purchase APR: 19.24% - 27.74% Variable
- Intro purchase APR: none
- Balance transfer APR: 19.24% - 27.74% Variable, no intro offer
- Balance transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, with a fee of either $10 or 5% of each transaction, whichever is greater
- Late payment fee: up to $40
- Foreign transaction fee: none
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You stay at Marriott occasionally and want points and Silver Elite without paying a fee.
- You are new to hotel cards and want travel protections at $0.
- You may upgrade later: the Bold keeps your Bonvoy account active while you decide.
- You should skip it if you stay at Marriott monthly: the Boundless earns twice as fast at hotels and adds a free night for $95.
Marriott Bonvoy Bold® Credit Card Review
The Bold is Chase's no-fee door into Marriott Bonvoy. This review looks at what you actually keep for $0: status, night credits and a modest earn rate, and where the card runs out of road.
How You Earn
Earning is modest but broad for a no-fee hotel card.
- Up to 14X in total at Marriott: 3X card points plus member and Silver Elite earnings
| Category | Earn rate |
|---|---|
| Marriott Bonvoy hotels | 3X points per $1 |
| Groceries, rideshare, select delivery, streaming, internet, cable, phone | 2X points per $1 |
| All other purchases | 1X point per $1 |
How You Redeem
Points go to Marriott Bonvoy and stretch furthest on free nights.
- Free nights at over 7,000 participating Marriott properties
- The 45,000-point welcome offer can cover multiple nights at lower-category hotels
Benefits and Protections
The Bold keeps most of the Boundless protection set despite the $0 fee.
- Trip delay reimbursement up to $500 per ticket
- Lost luggage reimbursement up to $3,000
- Purchase protection for 120 days, up to $500 per item
- Visa Signature concierge access
Who This Card Is For
This card is for occasional Marriott guests and program newcomers. It costs nothing to hold, keeps points alive and adds status. Frequent guests will outgrow the 3X rate and the missing free night quickly.
- Travelers with one or two Marriott stays a year
- People who want hotel status without an annual fee
- Cardholders planning to upgrade within the Bonvoy family later
Comparison
| Feature | Marriott Bonvoy Bold® Credit Card | Wyndham Rewards Earner® Card | IHG One Rewards Traveler Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | 45,000 points after $1,000 in 3 months | Up to 75,000 points | 80,000 points after $2,000 in 3 months |
| Rewards Rate | 3X Marriott, 2X select everyday, 1X other | 5X Wyndham, 3X dining, grocery, gas, 1X other | 5X IHG, 3X dining, utilities, gas, 2X other |
| Intro APR | N/A | 0% on balance transfers, 15 billing cycles | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Marriott starter card | Wyndham starter card | IHG starter card |
Issuer Comparison
| Feature | Marriott Bonvoy Bold® Credit Card | Marriott Bonvoy Boundless® Credit Card | IHG One Rewards Traveler Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $95 | $0 |
| Welcome Offer | 45,000 points after $1,000 in 3 months | 4 Free Night Awards after $3,000 in 3 months | 80,000 points after $2,000 in 3 months |
| Rewards Rate | 3X Marriott, 2X select everyday, 1X other | 6X Marriott, 3X grocery, gas, dining, 2X other | 5X IHG, 3X dining, utilities, gas, 2X other |
| Key Credits | None | 35,000-point free night each year | None |
| Best For | No-fee Marriott entry | Regular Marriott stays | No-fee IHG entry |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.