Marriott Bonvoy Bold®
A no-annual-fee hotel card from Chase.
Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Marriott Bonvoy Bold is the free entry point to the Marriott card lineup: no annual fee, a modest welcome bonus, and some elite-status credit. It is a fine way to dip into the Marriott ecosystem without paying a fee, but it lacks the annual free night that makes the paid Marriott cards worth holding.
As a free card, there is no harm in keeping it for the status and the occasional stay, but it is not a strong earner.
Think twice if: you stay at Marriott often, since a paid card with an annual free night would give you far more value.
Our 6.7 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn points at Marriott and modest bonuses on dining and groceries, with no annual fee. The earning is light, and Marriott points are worth less than transferable ones, so this is not a card to run everyday spending through, it is for the status credit and the odd stay.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 4x | Bonus category |
| Groceries | 4x | Bonus category |
| Travel | 2x | Base rate |
| Everything else | 2x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your dining and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is among the stronger ones you will find in that category.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- No annual fee
- Elite-status credit with Marriott
- Modest welcome bonus for a free card
- No annual free night, unlike the paid Marriott cards
- Weak everyday earning
- Points locked to Marriott and worth less than transferable points
The welcome bonus
The current welcome offer is 45,000 points, earned after you spend $1,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $450. The spending requirement works out to roughly $333 per month, so make sure it fits your normal budget rather than pushing you to overspend. Not huge, but a nice bit of Marriott currency for a free card.
First-year value vs ongoing value
| Welcome bonus | 45,000 points |
| To earn it | $1,000 in 3 months |
| Est. first-year value* | $1,213 |
| Est. ongoing value / yr* | $763 |
The welcome bonus makes year one the high point: roughly $1,213 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $763 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Up to 14x points at Marriott Bonvoy hotels
- Complimentary Marriott Bonvoy Silver Elite status
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you stay at Marriott only occasionally and want a free card for a bit of status and some points, the Bold does the job without costing you anything.
If you stay more often, step up to the Boundless or a higher card, the annual free night alone will be worth more than the fee, which the free Bold cannot match. This is really just a toe in the water.
Alternatives to the Marriott Bonvoy Bold®
Pairs well with
The Marriott Bonvoy Bold® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Marriott Bonvoy Bold® lands.
Calculate My CardOffer details verified against issuer sources as of November 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
