Marriott Bonvoy Boundless™ Credit Card Review
Marriott Bonvoy Boundless™ Credit Card
CardRatings Editor's Analysis: Pros & Cons
- Though it is a brand-specific card and you'll earn the most points when you use it with those brands (up to 17X total points per $1 at over 7,000 participating Marriott Bonvoy properties), you'll also earn 2X points per $1 spent on all other purchases.
- Offset your annual fee with the Free Night Award, (valued up to 35,000 points) every year after your account anniversary.
- Enjoy automatic Silver Elite Status each account anniversary year and have a path to Gold Status when $35,000 is spent on purchases each account year.
- As with all brand-specific credit cards, you'll reap the most benefit if you're truly loyal to those brands. If you aren't, you would likely be better off with a more general travel rewards card.
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Earning reward nights at a Marriott, Starwood or The Ritz-Carlton property is simple when you have the Marriott Bonvoy Boundless™ Credit Card.
Cardholders can collect up to 17X points per dollar spent when using the card at more than 7,000 participating Marirott Bonvoy properties. The card also awards 2X points per dollar spent on all other purchases, which means that even your everyday purchases can do double-duty helping you earn toward another reward night stay.
If you apply for this card, you'll want to use it as soon as your receive it so that you can start accruing points quickly. New cardholders can earn three free nights once spending $3,000 in the first three months from account opening. Plus, earn 10X total points per dollar spent on up to $2,500 in combined purchases at gas stations, restaurants and grocery stores within your first six months of opening an account.
Being a hotel rewards card, you'll want this card in your wallet when you're traveling. Why? The card gives you travel-related benefits to protect you when you're away from home and you can reap the benefits provided for your brand loyalty.
The Marriott Bonvoy Boundless™ Credit Card lets you redeem points for stays at more than 7,000 Marriott and The Ritz-Carlton locations, as well as Starwood-branded hotels around the world. That includes Four Points by Sheraton, Sheraton hotels, W Hotels and Westin hotels.
Hotels within the Marriott Bonvoy program are separated by category with the lowest-cost locations (Category 1) starting at 7,500 points for a standard reward free night. The most luxurious locations are Category 9 and start at 45,000 points for a free night. You also get an additional free night in any hotel (up to a 35,000-point redemption value) each year after your account anniversary, which alone should more than offset your annual fee of $95.
You can also use your points for airline miles, flights, car rentals and cruises when booked through the Marriott Bonvoy site, though your best value will likely be to redeem them for hotel stays.
- Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
- Earn up to 25 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry or TSA Pre✔® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
The Marriott Bonvoy Boundless™ Credit Card is an excellent choice for a world traveler. It doesn't charge foreign transaction fees, so you can shop internationally without any worries about added fees. Plus, the card covers you with trip interruption insurance, baggage delay insurance, lost luggage reimbursement and Visa Signature® Concierge Service.
Trip interruption insurance covers you and your traveling companions for expenses like meals and hotel stays (up to $500 per ticket) if your flight on a common carrier is delayed more than 12 hours or requires an overnight stay. The card also gives you peace of mind about your luggage. If your bags wind up in Singapore and you find yourself in Australia, the card reimburses you for items like toiletries and clothing for baggage delays that are more than six hours. You get up to $100 a day for five days. Also, if your bags or an immediate family members' bags are lost or damaged, the card covers you for up to $3,000 per passenger.
Beyond the travel benefits, the Marriott Bonvoy Boundless™ Credit Card can make you feel like a king or queen the more you stay at participating hotels, with automatic Silver Elite Status each account anniversary year. The Marriott Bonvoy program lets you progress into Silver, Gold and Platinum Elite status when you stay at participating hotels. The higher tier status you achieve, the more additional bonus points you gain. Additionally, cardholders in higher tiers get complimentary enhanced in-room Internet access, complimentary room upgrades and guaranteed 4 p.m. late checkout, plus 15 Elite Night Credits each calendar year. Learn more about elite status and the numerous benefits of the Marriott Bonvoy rewards program in our Marriott Bonvoy program guide.
MARRIOTT BONVOY BOUNDLESS™ CREDIT CARD CAR RENTAL INSURANCE
The Marriott Bonvoy Boundless™ Credit Card is also an excellent choice when renting a car is part of your travel plans. When you reserve and pay for your rental car with your card and decline the company's collision damage waiver, you'll be covered with secondary rental insurance for collision damage and theft in the U.S. You're covered with primary coverage when renting a car outside the U.S. or if you don't have your own auto insurance.
The card also offers you peace of mind with 24/7 roadside assistance.
Similar to other hotel-branded credit cards, you'll need to stay at participating hotels to make this card truly worthwhile. Plus, though you only need to redeem 7,500 points for Category 1 hotels, there aren't many locations classified as Category 1, so you may need more than 7,500 points for a night if you're using your points. If you're looking for a more flexible travel credit card, there are ones on the market, such as the Capital One Venture Rewards Credit Card, that allow you to use your rewards on all types of travel purchases.
Marriott Bonvoy Boundless™ Credit Card vs. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card allows cardholders to collect points for hotel stays (among other things) without the restriction of having to redeem them at specific hotels. It offers two points per dollar spent on travel and dining at restaurants and one point per dollar for other purchases.
One aspect that sets the Chase Sapphire Preferred® Card apart is that it gives cardholders 25% more value on points when they're redeemed for travel through the Chase Ultimate Rewards® portal.
Cardholders can also earn 100,000 bonus points once spending $4,000 on purchases in the first three months, and thanks to the 25% added value, those points equal $1,250 in travel through Chase Ultimate Rewards®.
Like the Bonvoy card, this card also has a $95 annual fee. Overall, it is is a flexible and extremely popular travel rewards card. If you're looking for flexibility and general rewards, this may be a better fit for you. If you truly are brand-loyal to Marriott Bonvoy properties, you might appreciate the loyalty perks of the Marriott card.
Marriott Bonvoy Boundless™ Credit Card vs. Marriott Bonvoy Bold™ Credit Card
Unlike the Marriott Bonvoy Boundless™ Credit Card, the Marriott Bonvoy Bold™ Credit Card has no annual fee, but that's about where the Bold card comes out on top.
The Bold card's new cardmember bonus isn't as generous, offering new cardholders the opportunity to earn 30,000 bonus points once spending $1,000 in purchases in the first three months of opening an account. Points earned per dollar spent is also lower as Bonvoy Bold cardholders earn 14x total points for every dollar spent at participating hotels compared to Bonvoy Boundless cardholders who can earn 17x total points for every dollar spent. Still, an earn rate of 14X points per dollar is impressive. Additionally, the Bold card earns 2X points on other travel purchases, and 1X point on everything else.
Both cards have no foreign transaction fees and points don't expire as long as the account is open and in good standing. Both cards also offer baggage delay insurance of up to $100 a day for five days, lost luggage reimbursement of up to $3,000 per passenger and trip delay reimbursement of up to $500 per ticket. Also, they both offer new purchase protection against damage and theft, as well as complimentary 24-hour Visa Signature® Concierge Service.
Marriott Bonvoy Boundless™ Credit Card vs. IHG® Rewards Club Premier Credit Card
The IHG® Rewards Club Premier Credit Card's rewards program features a higher earn rate at branded hotels but limits the purchases for which you'll earn two points per dollar. IHG® Rewards Club Premier Credit Card cardholders earn up to 25 points total per dollar spent when staying at an IHG hotel; two points at gas stations, grocery stores and restaurants; and one point per dollar on all other purchases (as compared to two points on all other purchases with the Marriott card). Much like the Marriott card, the IHG card offers cardholders one reward night stay annually, but IHG cardholders also earn a reward night each time they redeem rewards for any stay of four or more nights.
The IHG® Rewards Club Premier Credit Card offers 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening. Overall, the earning is a bit less, but the $0 intro annual fee for the first year, then $89 annual fee is also a lower fee to offset. Plus, the IHG card offers cardholders a reimbursement of their Global Entry or TSA PreCheck® application fee every four years, a reimbursement of up to $100.
The Marriott Bonvoy Boundless™ Credit Card is a great card if you regularly stay at Marriott or other participating properties. Getting up to 17X the points for staying at these hotels can certainly lead to a lot of points quickly.
Another benefit, of course, is that you'll receive an additional free night stay after each account anniversary; that's a sweet loyalty gift and will more than likely offset your annual fee in and of itself.
Whether you travel domestically or internationally, the Marriott Bonvoy Boundless™ Credit Card offers a combination of brand-related perks and travel benefits that make the card an excellent option for any travelers who regularly stay at Marriott properties.