Chase Marriott Bonvoy Bold Review 2026
Marriott Bonvoy Bold is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
No-fee everyday card
Bonus value
See terms
Everyday rewards
1x points
Up to 3x in some categories
Annual fee
$0
APR
19.49% to 27.99%
Quick summary
What this card is, in plain words
Marriott Bonvoy Bold has no annual fee and a variable purchase APR of 19.49% to 27.99%. It earns 1x points on everything else, and more on 7 categories (the highest is 3x points on marriott stays). It charges no foreign transaction fee.
What to consider
- The APR is 19.49% to 27.99% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- None
- Balance transfer fee
- Greater of $5 or 5% of each transfer
- Cash advance fee
- Greater of $10 or 5% of each advance
- Late payment fee
- Up to $40
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Marriott stays
3x points
Hotels participating in marriott bonvoy®
3x points
Transit
2x points
Groceries
2x points
Streaming
2x points
Taxicabs and limousines
2x points
Select food delivery services
2x points
Everything else
1x points
Points value
What Marriott Bonvoy points are actually worth
This card earns Bonvoy points, currently valued at 0.75¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full Marriott Bonvoy program page or the full valuation methodology.
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Baggage Delay Insurance (per trip)
- Lost Luggage Reimbursement (per trip)
- Purchase Protection
- Trip Delay Reimbursement (per trip)
Perks and credits
- DashPass Quarterly Discount on Non-Restaurant Orders (quarterly)
- DoorDash Quarterly Non-Restaurant Discount (quarterly)
- Elite Night Credits (calendar year)
- No Foreign Transaction Fees
- Pay Yourself Back Statement Credit for Travel (calendar year)
- Redeem Points for Travel Statement Credit
- Visa Concierge Service
- Visa Signature Concierge Service
Offer history
How today's bonus compares
Current public welcome offer
45,000 points
Observed Nov 13, 2026
12-month best
See terms
1 tracked observation
Signal
At or near tracked best
Last history update Nov 13, 2026
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), APR range moved from 19.24%–27.74% to 19.49%–27.99%. Tracked since Jun 21, 2026 across 30 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (4 changes tracked) →
- Oct 17, 2026 — APR range moved from 19.49%–29.99% to 19.49%–27.99%.
- Oct 4, 2026 — APR range moved from 19.24%–27.99% to 19.49%–29.99%.
- Sep 21, 2026 — APR range moved from 19.24%–29.99% to 19.24%–27.99%.
- Jul 10, 2026 — APR range moved from 19.24%–27.74% to 19.24%–29.99%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
19.49%-27.99% variable
Verify spend requirement
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Questions
Common questions
What is the annual fee for the Marriott Bonvoy Bold?
The Marriott Bonvoy Bold has no annual fee, according to Chase's page checked Nov 13, 2026.
Does the Marriott Bonvoy Bold charge foreign transaction fees?
No. Chase lists no foreign transaction fee for the Marriott Bonvoy Bold.
How do I earn rewards with the Marriott Bonvoy Bold?
3x points on marriott stays; 3x points on hotels participating in marriott bonvoy®; 2x points on transit; 2x points on groceries; 2x points on streaming.
What is the APR on the Marriott Bonvoy Bold?
The purchase APR is 19.49% to 27.99%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold · checked Nov 13, 2026
Earning rates
https://creditcards.chase.com/ · checked Jun 21, 2026
We could not verify the authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Marriott Bonvoy Bold worth it?
Marriott Bonvoy Bold is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term