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Is the Marriott Bonvoy Boundless worth keeping when the fee hits?
Welcome offer — 3 free nights (up to 50,000 points each) after $3,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 6× | Marriott Bonvoy hotels Inferred by source |
|---|---|
| 3× | Grocery, gas & dining — On up to $6,000/year combined, then 2x Inferred by source |
| 2× | Everything else Inferred by source |
No lounge access.
| Anniversary free night | One free night up to 35,000 points each year Inferred by source |
|---|---|
| Marriott Bonvoy Silver Elite status | Complimentary status; Gold after $35,000 annual spend Inferred by source |
| 15 Elite Night Credits | Toward the next Bonvoy elite tier each year Inferred by source |
| Baggage | Up to $3,000 per passenger Inferred by source |
|---|---|
| Trip delay | Up to $500/ticket (>12 hrs) Inferred by source |
Using Marriott Bonvoy Boundless at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Marriott Bonvoy Boundless® Credit Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Marriott Bonvoy Boundless® Credit Card returns about $0 in value against its $95 annual fee — a net of −$95 per year. It only makes sense if you value its perks beyond the listed credits.
The Marriott Bonvoy Boundless® Credit Card earns 6x on marriott bonvoy hotels, 3x on grocery, gas & dining, 2x on everything else.
No — the Marriott Bonvoy Boundless® Credit Card does not include airport lounge access.
No — the Marriott Bonvoy Boundless® Credit Card has no foreign transaction fee, so it's a good card to use abroad.
3 free nights (up to 50,000 points each) after $3,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.