Marriott Bonvoy Boundless® Credit Card
The Boundless suits travelers who stay at Marriott brands several times a year. It earns 6X points per $1 at over 7,000 Bonvoy hotels, 3X on the first $6,000 in combined grocery, gas and dining purchases annually, and 2X elsewhere. The $95 fee is answered by an annual free night worth up to 35,000 points, which you can top up with points. 15 elite night credits each year put Silver Elite in hand and Gold within reach.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Anniversary Free Night Award up to 35,000 points, expandable with your own points
- 15 Elite Night Credits per calendar year, enough for automatic Silver and a head start on Gold
- 1 additional Elite Night Credit for every $5,000 in purchases
- 6X earning at more than 7,000 Marriott Bonvoy properties
- Trip delay coverage up to $500 and lost luggage reimbursement up to $3,000
- One year of complimentary DashPass membership
- Annual fee: $95
- 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 brands often enough to use one free night a year: that alone can beat the $95 fee.
- You want a realistic shortcut toward Marriott elite tiers through 15 yearly night credits plus spend.
- Your grocery, gas and dining spending can pick up 3X on the first $6,000 each year.
- You should skip it if you chase luxury perks: the Marriott Bonvoy Brilliant carries the lounge-level benefits at a far higher fee.
Marriott Bonvoy Boundless® Credit Card Review
The Boundless is the middle card in Chase's Marriott lineup and the one most Bonvoy members land on. This review checks whether the anniversary free night, elite night credits and current 4-night welcome offer outweigh the $95 fee.
How You Earn
Earning is Marriott-first, with a capped everyday bonus tier.
- Up to 17X in total at Marriott: 6X card points plus member and Silver Elite earnings
- The 3X tier covers grocery stores, gas stations and dining, capped at $6,000 combined per year
| Category | Earn rate |
|---|---|
| Marriott Bonvoy hotels | 6X points per $1 |
| Grocery, gas, dining (first $6,000 per year) | 3X points per $1 |
| All other purchases | 2X points per $1 |
How You Redeem
Points redeem through Marriott Bonvoy, where free nights carry the most value.
- Free nights at over 7,000 participating hotels across Marriott's brands
- Combine the anniversary Free Night Award with points for higher-category rooms
- Welcome offer Free Night Awards each cover a stay up to 50,000 points
Benefits and Protections
The protection set matches other $95 Chase travel cards.
- Baggage delay reimbursement up to $100 a day for 5 days
- Lost luggage reimbursement up to $3,000 per traveler
- Trip delay reimbursement up to $500 per ticket
- Purchase protection for 120 days, up to $500 per item
Who This Card Is For
The Boundless is for regular Marriott guests who want free nights and status progress without a premium fee. If your stays are rare, the no-fee Bold keeps you in the program; if you live in hotels, the Brilliant's credits may fit better.
- Bonvoy members with several Marriott stays a year
- Travelers building toward Gold or Platinum through night credits
- Households that can use the 3X everyday tier
Comparison
| Feature | Marriott Bonvoy Boundless® Credit Card | Marriott Bonvoy Brilliant® American Express® Card | Hilton Honors American Express Surpass® Card |
|---|---|---|---|
| Annual Fee | $95 | $650 | $150 |
| Welcome Offer | 4 Free Night Awards after $3,000 in 3 months | 150,000 points plus $250 credit, to 09/30/26 | 130,000 points after $3,000 in 6 months |
| Rewards Rate | 6X Marriott, 3X grocery, gas, dining, 2X other | 6X Marriott, 3X dining and flights, 2X other | 12X Hilton, 6X dining, groceries, gas, 3X other |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Marriott value at $95 | Marriott luxury perks | Hilton mid-tier earning |
Issuer Comparison
| Feature | Marriott Bonvoy Boundless® Credit Card | Marriott Bonvoy Bold® Credit Card | IHG One Rewards Premier Credit Card |
|---|---|---|---|
| Annual Fee | $95 | $0 | $99 |
| Welcome Offer | 4 Free Night Awards after $3,000 in 3 months | 45,000 points after $1,000 in 3 months | 140,000 points after $3,000 in 3 months |
| Rewards Rate | 6X Marriott, 3X grocery, gas, dining, 2X other | 3X Marriott, 2X select everyday, 1X other | 10X IHG, 5X travel, dining, gas, 3X other |
| Key Credits | 35,000-point free night each year | None | 40,000-point free night, $50 United TravelBank |
| Best For | Marriott regulars | Marriott starters | IHG regulars |
Reader results for this card
No reader results for this card yet. Applied recently? Add the first one, it takes a minute and needs no login.
Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.