Marriott Bonvoy Boundless Credit Card Review
The Marriott Bonvoy Boundless is a hotel rewards credit card from Chase offering a big sign up bonus and the opportunity to earn enough rewards points each for six to seven free nights a year
In this review, we’ll help you understand how the card’s rewards work, talk about how owning the card entitles you to certain bonuses when you stay at Marriott’s hotels, detail its rates and fees and then provide a comparison between this card and other hotel rewards cards.
At the end of our review, we’ll give you our fact-based opinions about the card’s strengths and weaknesses, as well as who we think this card is good for.
Like other hotel rewards credit cards, the Bonvoy Boundless will give you points in a variety of different situations:
According to the information available at the time of publishing, you’ll get 100,000 rewards points if you can spend $3,000 in the first three months of owning the card.
It will most likely take up to 12 weeks for those rewards points to show up in your Marriott Rewards account, which will be set up for you when you apply if you don’t already have one.
Keep in mind that interest payments, credit card fees and balance transfers don’t count toward your spending requirement and that the three-month deadline starts the day you’re approved for the card, not the day you receive it in the mail.
Points on Purchases: 6x and 2x
The welcome bonus is something you only get once. Points on purchases, however, is a perk that you’ll get nearly every time you use your credit card.
Whenever you use your Bonvoy Boundless to make purchases at Marriott’s properties and websites, you’ll get six points for every dollar you spend.
So, whether you buy dinner at a restaurant on a Marriott property or use the card to book a room through the Marriott’s website, you’ll get six points per dollar. A $100 purchase, for example, would earn 600 points.
Assuming you use your rewards points to book a room (more on that in a minute) and use your credit card to make purchases while you’re at the property, we’re guessing you could spend around $500 a year at Marriott properties, which is 3,000 points.
Any other purchases not related to credit card fees, interest payments or cash-type transactions like buying traveler’s checks will earn you two points per dollar.
If you spend $24,500 a year on those purchases, you’ll earn 49,000 points. When you tack on the 6x bonus purchases, you’re looking at 52,000 points a year.
Booking Rooms with Points
Your 52,000 yearly points can book six nights at a Category 1, 7,500-point property. What that means is that Marriott’s cheapest hotels will cost 7,500. As you move up in categories, the points increase.
Marriott’s hotel category matrix indicates that Category 9 is the most expensive property category, demanding 45,000 points a night. These top-tier hotels tend to be either in very popular locations and/or feature an impressive set of luxury amenities.
You can also use the points to book rooms at Ritz-Carlton properties, which range in rewards price from 30,000 to 70,000.
Free Anniversary Night
Every year on your cardmember anniversary, you’ll get a free night good for a stay at any Marriott hotel that costs 35,000 points or less to book. Category 1-7 hotels are eligible for this free anniversary night.
Complimentary Silver Elite Status
The final main rewards you get with this card is Silver Elite status in the Marriott loyalty program. This status entitles you to the following perks before and during your stay:
- 10% bonus on points you earn at Marriott properties
- Free standard internet
- Special room rates
- Priority late checkout
Normally, you’d have to stay at a Marriott property 10 nights in a year to earn Silver status but you get it free with the card.
The 10% bonus is a nice perk, too, considering you’re already getting 6% rewards from using your card at a Marriott property.
For example, if you spend $250 on an anniversary dinner, you’ll get the 6x bonus (1,500 points) plus the 10% boost, which results in a total rewards balance of 1,650 points.
We called Marriott to clarify what “priority late checkout” means. The phone rep told us that, if 10 guests are requesting late check-out, you have priority over them. However, late checkout is not guaranteed.
Free Upgrade to Gold Elite Status
This final perk is an excellent one for individuals or families who spend at least $3,000 per month on their card. Marriott will give you free Gold Elite status if you can spend $35,000 in a year.
The main difference between this tier and Silver is that you get the following:
- 25% bonus on points you earn at Marriott properties
- 2 p.m. late checkout
- Complimentary room upgrade when available
- Free premium internet
- 250- or 500-point welcome gift
The 25% points bonus would turn the $250 anniversary dinner we mentioned earlier into 1,875 points.
When we spoke to Marriott about late checkout, they told us that Gold Elite late checkout is guaranteed, whereas Silver Elite isn’t guaranteed.
The other big perk you get with this status is a complimentary room upgrade, which can be a great freebie for families who may be looking for a little more space than what a standard room provides.
This card’s interest rates and fees are standard for what you’ll see with Chase’s travel-focused cards and, for the most part, they’re similar to the rates and fees of competing hotel rewards cards:
- Purchase and balance transfer APR: 18.24%–25.24%
- Cash advance APR: 27.24%
- Foreign transaction fee: None
- Cash advance/balance transfer fee: 5%
- Annual fee: $95
- Late/returned payment fee: Up to $39
The balance transfer and cash advance fees for this card are also normal for Chase.
It’s worth pointing out, however, that the 5% balance transfer fee is high compared to other cards like the Choice Privileges Visa, a competing hotel rewards card that offers a 3% fee.
However, since this card is a travel-focused card, we’d recommend using a cash-back credit card for balance transfers because they often provide no-interest offers on balance transfers.
The card’s annual fee is what you’d expect for a travel-focused card that offers the level of perks that this card does.
If you aren’t partial to one hotel chain and you want to get the best value you can out of a hotel rewards credit card, then you’ll need to do some comparisons with other hotel rewards cards.
The following chart helps you see how this card fares when set against competing cards:
|Marriott Bonvoy Boundless Card||World of Hyatt Card||Hilton Honors Ascend Card||IHG Rewards Club Premier Card|
|Cheapest Rewards Room||7,500||5,000||10,000||10,000|
|Status Upgrade||Silver Elite||Discoverist||Gold||Platinum Elite|
The Bonvoy Boundless ranks #2 for sign-up bonus behind the Hilton Honors Ascend from Amex.
The card’s Silver Elite status is average among free rewards programs the other card’s offer and is the only one of the four that doesn’t offer members a complimentary upgrade when available.
In terms of yearly points, the card is the second-best option in the group. The 52,000 points you earn in a year is good enough for nearly seven free nights whereas the World of Hyatt Credit Card gives you nearly six nights and the IHG Rewards Club Premier Credit Card nearly four.
As far as the quality of the hotel you get among the various categories offered in a chain’s rewards program, Marriott tends to charge high point prices for average hotels. For example, Category 7 hotels cost 35,000 points.
Many of those properties are Residence or Fairfield Inns, which are hardly luxury hotels. Even properties in a smaller city like Flagstaff, AZ, cost 35,000 points.
Hyatt’s categories, however, are more generous. For example, Category 4 hotels (15,000 points) include dozens of Grand Hyatt and Hyatt Regency properties, which are some of Hyatt’s more luxurious properties.
In general, we think that the Marriott Bonvoy Boundless is an average hotel rewards credit card that has a great sign-up bonus. However, its lack of a strong status upgrade and expensive redemption rates hurt its chances of being a top-tier card.
Based on our research, we believe this card’s strengths are the 100,000 welcome bonus and the fact that you can earn more than 50,000 rewards points a year from normal spending on the card’s bonus categories.
The main drawback is that the Silver Elite status you get with the card is weak in that you don’t get a complimentary upgrade with it as you do with the status upgrades you get with competing cards. Also, average properties tend to demand higher points prices compared to other rewards programs.
In general, we believe this card is a good fit for someone who likes the Marriott chain and is deciding between this card and the IHG Rewards Club Premier Card. The Bonvoy Boundless’ yearly points potential make it the superior choice, particularly considering the cards have identical annual fees.
» For Further Reading: Best Travel Credit Cards of 2019