Marriott Bonvoy Boundless Credit Card
Chase's Marriott Hotel Card with Free Night Certificate
Annual Fee
$95
Earning Rate
6x Marriott hotels • 3x dining, gas & groceries (first $6,000/yr) • 2x everything else
Welcome Bonus
3 Free Night Awards after $3,000 spend in 3 months
Card Material
Plastic card with matte finish
Practical Recommendation
If you stay with Marriott even a couple of times a year, Boundless is the "set and forget" option: the 35,000-point Free Night Award at renewal can wipe out the $95 by itself, and the 3x dining/grocery/gas (first $6,000 per year) is an easy side perk. Automatic Silver status and 15 elite night credits help you inch toward higher tiers.
If you want richer perks or an annual certificate worth more than 35k points, look at the pricier cards. Otherwise, keep Boundless, use the free night every year, and move on.
Credits
- Anniversary Free Night Award (35k) – One Free Night Award each account anniversary, redeemable up to 35,000 points; you can "top off" with up to 15,000 points to book higher-priced nights. Taxes and resort fees may apply.
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You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
Anniversary Free Night Award (35k)
| What It Is: | One Free Night Award each account anniversary, redeemable up to 35,000 points; you can "top off" with up to 15,000 points to book higher-priced nights. |
| How It Works: | Award posts to your account each anniversary; book through Marriott's website or app; can combine with up to 15,000 points for higher-category hotels. |
| Gotchas: | 35k point limit; taxes and resort fees still apply; limited to standard room awards; expires if unused. |
| Who Actually Benefits: | Anyone who stays at Marriott hotels at least once per year and can find a 35k or lower redemption. |
| Practical Value: | 35k points typically worth $245-280 in hotel stays; if you value it at $95+ (the annual fee), the card breaks even. $0 if you never use Marriott hotels. |
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Annual Fee:
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This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- Earning details (plain English) – 6x at Marriott hotels; 3x on dining, gas, and groceries (first $6,000 per calendar year); 2x everything else; up to 17x total on Marriott stays when you add base member points and Silver's 10% bonus.
- Elite credits & status – 15 elite night credits each year; 1 elite night credit per $5,000 in spend; Silver Elite automatically; Gold Elite with $35,000 calendar-year spend.
- No foreign transaction fees – Use abroad without extra issuer fees (acceptance depends on the merchant/network).
- DoorDash DashPass (through Dec 31, 2027) – One year of DashPass and up to $10 off quarterly on eligible non-restaurant orders after activation; auto-renewal at then-current rate.
Protections
- Trip Delay Insurance – Covers up to $500 per covered traveler for meals/lodging when a common-carrier trip is delayed 12+ hours or requires an overnight stay.
- Baggage Delay – Up to $100/day for 5 days for essentials if bags are delayed 6+ hours.
- Lost Luggage – Reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen bags on a covered trip.
- Purchase Protection – Covers eligible new purchases against damage or theft for 120 days, up to $500 per item.
- Visa Signature Concierge – 24/7 help with dining, tickets, and more; handy but optional.