Money Analysed

Maximizing the Marriott Bonvoy Boundless Credit Card: Benefits and Drawbacks

As travel becomes more accessible to the average person, frequent travelers and occasional adventurers alike are looking for ways to make their trips more affordable. Credit cards are a popular route, providing perks and rewards that can help offset the cost of travel.

One such card is the Marriott Bonvoy Boundless Credit Card, which offers a variety of benefits for those looking to save money on hotel stays. In this review, we’ll examine the card’s rewards structure, fees, and benefits to help you decide if it’s the right choice for you.

Who Should Get the Marriott Bonvoy Boundless Card?

Benefits for Beginners

If you’re new to travel rewards credit cards, the Marriott Bonvoy Boundless card can be a good starting point. It’s a straightforward card that allows you to earn points towards hotel stays while providing a low annual fee.

As of this writing, the annual fee is $95, which is lower than many other travel cards. Additionally, the card comes with a welcome offer of 75,000 Marriott Bonvoy points after spending $3,000 on purchases within the first three months of account opening.

That’s enough to cover several nights of hotel stays. Aside from the welcome offer, cardholders earn 6 Marriott Bonvoy points per dollar spent at participating hotels, 2 points per dollar on other eligible purchases, and 1 point per dollar on all other purchases.

The points can be redeemed for hotel stays, merchandise, or even flights through the Marriott Bonvoy program. Additionally, the card comes with automatic Silver Elite status, which includes benefits like late checkout and free Wi-Fi.

Chase’s 5/24 rule

While the Marriott Bonvoy Boundless card is a good option for beginners, it’s important to note that it falls under Chase’s 5/24 rule.

That means if you’ve opened five or more credit card accounts in the past 24 months, you won’t be eligible for the card. This rule applies to all Chase cards, so if you’re planning to apply for other Chase cards in the future, you’ll want to keep this in mind.

If you’re eligible for the card and looking to maximize your rewards, consider pairing it with other Marriott Bonvoy credit cards. The Marriott Bonvoy Business American Express Card, for example, offers 6 points per dollar spent on eligible purchases at participating Marriott Bonvoy hotels, 4 points per dollar spent at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping, and 2 points per dollar spent on all other eligible purchases.

Additionally, the card comes with free Silver Elite status, 15 Elite Night Credits each calendar year, and access to the Marriott Bonvoy Business Ready Room.

Conclusion

The Marriott Bonvoy Boundless Credit Card is a solid choice for those new to travel rewards credit cards. With a low annual fee, welcome offer, and easy-to-understand rewards structure, it’s a great starting point for those looking to save on hotel stays.

While the Chase 5/24 rule may impact your eligibility, if you’re able to apply for the card, we recommend considering pairing it with other Marriott Bonvoy credit cards to maximize your rewards. Happy travels!

Card Basics

If you’re considering the Marriott Bonvoy Boundless Credit Card, it’s important to understand the benefits and perks. Here’s a closer look at what you can expect from the card:

Generous Welcome Offer

The Marriott Bonvoy Boundless Credit Card offers an impressive welcome offer for new cardholders. Currently, you can earn 3 free night awards, each valued up to 50,000 points, after spending $3,000 on purchases within the first three months of account opening.

These free night awards can be redeemed at participating Marriott properties around the world, making it a great opportunity to take advantage of this promotion.

Instant Status

One of the benefits of the Marriott Bonvoy Boundless Credit Card is instant Marriott Silver Elite status. This means that as soon as you become a cardholder, you’re automatically upgraded to Silver Elite status.

This status includes benefits like late checkout, free Wi-Fi, and a 10% points bonus on eligible stays.

Credits Toward Even Better Status

In addition to instant Silver Elite status, the Marriott Bonvoy Boundless Credit Card allows you to earn Elite Nights Credits toward even higher status levels. For every $3,000 you spend on purchases with your card, you’ll earn 1 Elite Night Credit.

These credits can help you move up to Gold Elite, Platinum Elite, and beyond, which offer additional perks such as room upgrades, lounge access, and welcome gifts.

Free Hotel Stay

Another perk of the Marriott Bonvoy Boundless Credit Card is the annual Free Night Award. Every year on your account anniversary, you’ll receive a Free Night Award worth up to 35,000 points.

This can be redeemed at participating Marriott properties, making it a great opportunity to take a free weekend getaway or a staycation.

DoorDash Benefits

In addition to hotel perks, the Marriott Bonvoy Boundless Credit Card also offers benefits with DoorDash. You’ll receive a complimentary DashPass subscription, giving you unlimited free delivery on eligible orders and reduced service fees on orders over $12.

This is a great bonus for foodies and those who frequently use food delivery services.

Drawbacks to the Marriott Bonvoy Boundless

While the Marriott Bonvoy Boundless Credit Card offers a lot of perks and benefits, there are also a few drawbacks to keep in mind.

Limited Travel Benefits

Unlike other travel rewards credit cards, the Marriott Bonvoy Boundless Credit Card doesn’t offer many travel benefits beyond hotel stays. While you can redeem points for flights through the Marriott Bonvoy program, there are no specific travel perks like travel insurance or airport lounge access.

Annual Fee

Another potential drawback of the Marriott Bonvoy Boundless Credit Card is the annual fee. As of this writing, the annual fee is $95.

While this is lower than many other premium travel rewards credit cards, it’s still an additional expense to consider. If you’re not planning to use the card frequently or take advantage of its perks, the annual fee may not be worth it.

Overall, the Marriott Bonvoy Boundless Credit Card can be a great choice for those looking to earn rewards for hotel stays. Between the welcome offer, instant Silver Elite status, and annual Free Night Award, there are plenty of perks to enjoy.

However, the limited travel benefits and annual fee are worth considering before applying for the card. Earning & Redeeming Marriott Bonvoy Points

If you’re a Marriott Bonvoy Boundless Credit Card holder, understanding how to earn and redeem your points can help you maximize the benefits of the card.

Potential Earnings in Years One and Two

In the first year of being a Marriott Bonvoy Boundless Credit Card holder and taking advantage of the welcome offer and spending the required amount, you can earn up to 82,000 Marriott Bonvoy points – 75,000 from the welcome offer and 7,000 from the required spending. Additionally, spending $30,000 on the card in the first year will earn an additional 30,000 points.

This means that in the first year alone, you could potentially earn up to 112,000 points in total. In the second year and beyond, you can continue to earn points through spending on the card and staying at Marriott properties.

The earning rate can vary, but cardholders earn 6 points per dollar spent at participating hotels, 2 points per dollar on other eligible purchases, and 1 point per dollar on all other purchases.

Best Ways to Earn

If you’re looking to maximize your point earnings with the Marriott Bonvoy Boundless Credit Card, one of the best ways is to stay at Marriott properties. The card offers 6 points per dollar spent at participating hotels.

This means that not only will you be earning points through your hotel stays, but you can also earn additional points on your hotel expenditures by using the card. Another way to earn points is through spending on the card.

While you only earn 2 points per dollar on other eligible purchases and 1 point per dollar on all other purchases, using the card for everyday spending can quickly add up. Additionally, the card offers bonus categories periodically, such as 10 points per dollar on Marriott purchases during specific promotional periods.

Maximizing Redemptions

To maximize your Marriott Bonvoy points, you’ll want to focus on redeeming them for rooms at participating Marriott properties. Depending on the property and time of year, redemption rates can vary, so it’s important to check availability and rates before booking.

Some properties may require more points than others, but you can often get good value for your points through redemptions. Another way to maximize redemptions is by transferring points to partner airlines.

Marriott Bonvoy Boundless cardholders can transfer their points to over 40 airline partners. The conversion rate varies by airline, but in some cases, it can be a more valuable use of your points than booking a hotel stay.

Marriott Bonvoy Boundless Transfer Partners

Marriott Bonvoy Boundless cardholders can transfer their points to over 40 airline partners. The conversion rate varies by airline, but it’s typically 3 Marriott Bonvoy points equals 1 airline mile.

However, some airlines may offer a more favorable conversion rate, so it’s always important to research and compare before transferring your points.

Marriott Bonvoy Boundless FAQs

Is the Marriott Bonvoy Boundless Credit Card worth it? Whether or not the Marriott Bonvoy Boundless Credit Card is worth it depends on your travel habits and spending habits.

If you frequent Marriott properties often and can take advantage of the card’s benefits and perks, it can be a great choice. However, if you don’t travel frequently or don’t often stay at Marriott properties, the card may not be as valuable for you.

What hotel brands fall under the Marriott Bonvoy Boundless Credit Card from Chase? The Marriott Bonvoy Boundless Credit Card from Chase covers a variety of hotel brands in the Marriott portfolio, including St. Regis, The Ritz-Carlton, W Hotels, Sheraton, and Westin, among others.

Is the Marriott Bonvoy Boundless a metal card? Yes, the Marriott Bonvoy Boundless Credit Card is a metal card.

What is Gold Marriott Elite Status, and how can I get it with the Marriott Bonvoy Boundless? Gold Marriott Elite Status is a higher level of status within the Marriott Bonvoy program.

To earn it with the Marriott Bonvoy Boundless Credit Card, you need to earn 25 Elite Night Credits each calendar year through stays or through using the card. Additionally, you need to be a cardholder in good standing.

What are Marriott Elite Night Credits? Marriott Elite Night Credits are credits that can help you achieve higher status levels within the Marriott Bonvoy program.

For every 25 Elite Night Credits you earn in a calendar year, you’ll receive an additional Elite Night Credit to help you move up to higher status levels. You can earn Elite Night Credits through stays at Marriott properties as well as spending on the Marriott Bonvoy Boundless Credit Card.

Other Cards to Consider

While the Marriott Bonvoy Boundless Credit Card can be a great option for earning rewards on hotel stays, there are other credit cards to consider as well. Here are two alternatives to consider:

Chase Sapphire Preferred Card

The

Chase Sapphire Preferred Card is a popular travel rewards credit card that offers a variety of benefits and perks. Like the Marriott Bonvoy Boundless Credit Card, it comes with a generous welcome offer of 100,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of account opening.

These points can be redeemed for travel, merchandise, or cash back. In terms of earning rewards, the

Chase Sapphire Preferred Card offers 2 points per dollar spent on travel and dining at restaurants, and 1 point per dollar spent on all other purchases.

It also offers a 25% boost in value when redeeming points through the Chase Ultimate Rewards program. The

Chase Sapphire Preferred Card also comes with a variety of travel benefits, including trip cancellation/interruption insurance, primary rental car insurance, and baggage delay insurance.

It has an annual fee of $95.

Capital One Venture Rewards Credit Card

Another alternative is the

Capital One Venture Rewards Credit Card, which offers a straight-forward rewards structure and flexible redemption options. The card offers 2 miles per dollar spent on all purchases, with no caps or categories to keep track of.

Additionally, the card has a welcome offer of 60,000 bonus miles after spending $3,000 on purchases within the first three months of account opening. When it comes to redemption, the

Capital One Venture Rewards Credit Card offers a lot of flexibility.

You can redeem your miles for travel, cash back, gift cards, or even transfer them to partner airline or hotel loyalty programs. The

Capital One Venture Rewards Credit Card also comes with a variety of travel benefits, including travel accident insurance and 24-hour travel assistance services.

It has an annual fee of $95. Which Card Is Right for You?

Ultimately, the right travel rewards credit card for you will depend on your spending habits and travel preferences. If you frequently stay at Marriott properties and can take advantage of the Marriott Bonvoy program, the Marriott Bonvoy Boundless Credit Card can be a great choice.

However, if you’re looking for more flexibility in terms of earning and redemption options, the

Chase Sapphire Preferred Card or the

Capital One Venture Rewards Credit Card may be a better fit. Before applying for a credit card, make sure to carefully review the terms and conditions, benefits, and any fees associated with the card.

Additionally, consider your own financial situation and whether you can meet the spending requirements to earn the welcome offer, as well as ongoing spending requirements to maximize your rewards. In conclusion, the Marriott Bonvoy Boundless Credit Card can be a great option for travelers looking to earn rewards on hotel stays.

With a low annual fee, generous welcome offer, and easy-to-understand rewards structure, it’s a good starting point for anyone new to travel rewards credit cards. However, it’s important to keep in mind the limitations of the card, such as limited travel benefits and the Chase 5/24 rule.

Furthermore, those who seek more flexibility in redemption options and rewards earning structures may want to consider the Chase Sapphire Preferred or the Capital One Venture Rewards credit cards. By carefully considering the best card for your needs and usage habits, you can maximize your rewards and travel experiences while minimizing costs and fees.

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