Home Credit Cards Chase Credit Cards Marriott Bonvoy Boundless® credit card review (2022)

Marriott Bonvoy Boundless® credit card review (2022)


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If you’re a fan of the Marriott Bonvoy program and you enjoy staying at Marriott properties around the world, it would probably make sense for you to hold a Marriott Bonvoy credit card in your wallet. Of all the Bonvoy cards on the market, the Marriott Bonvoy Boundless® credit card does the best job of keeping costs low while still offering strong earnings with Marriott as well as offering benefits that help to offset the card’s annual fee.

The Marriott Bonvoy Boundless® credit card

In brief

The Marriott Bonvoy Boundless® credit card is Chase’s top-level Bonvoy credit card that offers credits towards elite status and a free award night every year. This can be a key card for anyone who visits Marriott properties with any frequency as no credit card earns more Bonvoy Points at Marriott properties than the Boundless card (not even Amex’s $450/year premium Bonvoy card).

In detail

Here’s what you need to know about the Marriott Bonvoy Boundless® credit card:

Annual fee

  • $95

Cost of authorized user cards

  • $0 (zero)

Current welcome bonus

  • Earn 3 free night awards (worth up to 50,000 points each) after spending $3,000 on eligible purchases in the first three months following the opening of a new account.

Note: Make sure you read the paragraph on who is eligible to apply for this card and who is eligible for this welcome bonus which you’ll find at the end of this post.

Earnings

  • 6 points/dollar at Marriott Bonvoy properties worldwide
  • 3 points/dollar on the first $6,000 spent in combined purchases each year at grocery stores, at gas stations, and on dining
  • 2 points/dollar on all other purchases

Key benefits

  • Receive a free award night valid at properties costing up to 35,000 points/night on every card anniversary
  • 15 elite nights credit towards status
  • Earn Bonvoy Gold status when you spend $35,000 on the card each calendar year
  • No foreign transaction fees

Why this is a great card to get

The welcome offer

The Marriott Bonvoy Boundless® Credit Card is currently offering successful new applicants  3 free night certificates worth up to 50,000 points each after they spend $3,000 in the first 3 months from account opening and even though Marriott Bonvoy now uses dynamic award pricing (and not award charts), these free night certificates can still be put to great use.

For example, I recently redeemed a free night certificate (worth up to 50,000 points) for a one-night stay at the London EDITION when the room rate was in excess of £600/$740 (you’ll just have to trust me on this as I can’t find the screenshots of the booking) and that was a certificate very well spent because even the lesser London Marriott properties were charging at least 60,000 points for the same night.

Also, Bonvoy now allows certificate holders to top up the value of their certificate with up to 15,000 further points and that means that when a fantastic property becomes available at a great rate but a rate that is still a little over the 50,000 point certificate limit…

…certificates can still be used to significantly reduce the cost of booking that great deal.

Obviously (hopefully this goes without saying), the examples I’ve given above are just that – examples – so because a lot of Marriott properties cost a lot more than 50,000 or 65,000 points per night, no one should be thinking that the free night certificates from this welcome bonus offer a sure-fire way of snapping up a great deal. They don’t. But they certainly have their moments.

The Marriott earnings

Marriott Bonvoy Boundless® Credit Card offers 6 points per dollar for spending at all Marriott properties worldwide and no other card offers a better return at Marriott properties than this one (not even the $450/year Marriott Bonvoy Brilliant™ American Express Cardrates & fees). If you stay at Marriott properties with any kind of frequency and you don’t want to splash out on a card costing $450/year, this is probably the card for you.

The annual free night certificate

Every anniversary, holders of the Marriott Bonvoy Boundless® Credit Card receive a free night certificate which can be used at properties charging up to 35,000 points/night. Even if you disregard the current welcome bonus and the strong Marriott earnings rate that this card offers, the yearly free night certificate on its own is enough to cover the card’s annual fee year after year.

Elite night credits

Marriott Bonvoy Boundless cardholders will receive 15 Elite Nights credited to their accounts within 60 days of opening their new account and will continue to see 15 Elite Nights credited to their accounts on or before 1 March every year.

Without setting foot in a Marriott property the Boundless card gets a cardholder 60% of the way to Bonvoy Gold status (25 nights), 30% of the way to Platinum status (50 nights), and 20% of the way to Titanium status.

Also, holders of the Marriott Bonvoy Boundless® Credit Card can now (as of February 2022) earn 1 elite night credit for every $5,000 that they spend on their card and while I wouldn’t encourage anyone to give up great earning opportunities offered by other cards just to make the most of this benefit, this could be a good way for those with significant Marriott spending to add to their elite night count.

Lastly, it’s worth noting that the Marriott Bonvoy Boundless® Credit Card can be paired with the Marriott Bonvoy Business® American Express® Card (review) to earn a total of 30 elite night credits per year (more details on how that works).

These two cards together would automatically give a cardholder Marriott Bonvoy Gold Elite status every year and would leave them needing just 20 elite night credits to earn valuable Marriott Bonvoy Platinum Elite status.

Ignore

The Marriott Bonvoy Boundless® Credit Card now (as of February 2022) offers cardholders 3 points/dollar on the first $6,000 spent in combined purchases each year at grocery stores, at gas stations, and on dining, but I don’t think anyone should be getting excited about this.

Based on my valuation of Marriott Bonvoy Points (0.6 cents each), this earnings rate only translates to an effective rebate of 1.8% and there are countless other credit cards out there that will offer a better return.

The excellent Citi® Double Cash credit card, for example, doesn’t charge an annual fee and offers an effective return on all spending of at least 2%, while cards like the Chase Sapphire Preferred® credit card, the Citi Premier® Card, and the American Express® Gold Card (cards that a lot of miles & points fans already hold) will all offer considerably better returns in one or more of these spending categories.

The opportunity to earn 3 Bonvoy Points per dollar on up to $6,000 of combined spending at grocery stores, at gas stations, and on dining should not be seen as a reason to hold the Marriott Bonvoy Boundless Credit Card.

Bottom line

The Marriott Bonvoy Boundless® Credit Card is a very solid card for anyone who’s looking to earn the maximum number of points on their Marriott stays without splashing out on a $450/year credit card. It’s also a card that can be paired with the Marriott Bonvoy Business® American Express® Card (review) to give a cardholder an impressive boost towards valuable elite status every year.

For travelers who are frequent visitors to Marriott properties year after year, the more premium Marriott Bonvoy Brilliant™ American Express Card (review) may be a better option (it’s more expensive but it also comes with some benefits that help to offset that cost), but for everyone else, this is probably the best Bonvoy card to hold.

Click to find out how to apply for the Marriott Bonvoy Boundless® Credit Card


Are you eligible?

Per Chase…

The product is not available to either:

  • Current cardmembers of the Marriott Bonvoy™ Premier credit card (also known as Marriott Rewards® Premier),
  • Marriott Bonvoy Boundless™ credit card (also known as Marriott Rewards® Premier Plus),
  • Marriott Bonvoy Bold™ credit card, or
  • previous cardmembers of the Marriott Bonvoy™ Premier credit card (also known as Marriott Rewards® Premier), Marriott Bonvoy Boundless™ credit card (also known as Marriott Rewards® Premier Plus), or Marriott Bonvoy Bold™ credit card, who received a new cardmember bonus within the last 24 months.

Eligibility for the new cardmember bonus: The bonus is not available to you if you:

  • are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott Bonvoy™ American Express® Card (also known as The Starwood Preferred Guest® Credit Card from American Express);
  • are a current or previous cardmember of either Marriott Bonvoy Business™ American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy Brilliant™ American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember bonus or upgrade bonus in the last 24 months; or
  • applied and were approved for Marriott Bonvoy Business™ American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy Brilliant™ American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card) within the last 90 days.

A Fantastic No Annual Fee Card

The Chase Freedom Flex℠ Credit Card comes with no annual fee and is a “must-have” credit card for fans of Chase’s Ultimate Rewards program. Fantastic earning rates + useful benefits + no annual fee is always a winning combination.

Current Welcome Offer

New cardholders will earn $200 (or 20,000 Ultimate Rewards Points) after they spend $500 on the Freedom Flex credit card in the first 3 months of opening their new account.

Some Of The Great Earning Rates & Benefits:

  • 5% cash back (or 5 points/dollar) on:
    • Up to $1,500 of spending in quarterly revolving categories
    • Travel purchased through the Chase travel portal
  • 3% cash back (or 3 points/dollar) on:
    • Dining (includes take-out and delivery)
    • Spending at drugstores
  • 1% cash back (or 1 point/dollar) on spending in all other categories
  • Complimentary cell phone protection

Click for more details on the Chase Freedom Flex℠ Credit Card

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.

5 COMMENTS

  1. I currently hold the Bonvoy Premier card. I’m considering closing the card and applying for the Boundless (where DO they get these names?) after I’ve passed the 30 day mark. While I doubt that I’d accrue the additional 15 elite nights, the signup bonus would be worth it if the offer is still around. Any thoughts on trying this?

    • My only relevant data point is from a few years ago when I did something similar with a couple of United Airlines credit cards. I left a 45-day gap and was successful…but bear in mind that that was at least 2 years ago (it may have been 3) and the world has moved on since then. The same tactic may well work now but my success doesn’t guarantee yours, unfortunately.

      If you follow through with this, please report back and let me know how you get on – it would be good to have a more up to date reference point 🙂

  2. I just cancelled my Bonvoy Chase credit card, I was offer at the opening of the card a 4250 dollars gift card toward marriott hotel, I tried to make a reservation to use the credit card…A TOTAL DAY MARE!!! After being redirected severl times I was told that I should call first the hotel and ask if they participated to the “program”.
    After several attempts, I finally spoke with someone I could not really understand (maybe in Pakistan or India? who knows! And was told that In was not anle to use the gift card at this hotel and could not understand the whole conversation.
    I have found the offer deceptive and unclear and speaking with someone poorly trained did upset me.
    Result: I cancel my Marriott credit card and will not use their hotels from now on.

Comments are closed.

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