Marriott Bonvoy Boundless Review Summary:
The Marriott Bonvoy Boundless™ Credit Card is the best-value Marriott credit card for frequent travelers. It offers more net rewards value over the first two years, after accounting for annual fees, than the other Marriott rewards cards for personal use, according to WalletHub’s calculations. The average person could earn roughly $2,500 in Marriott reservations in just two years if they made Marriott Bonvoy Boundless their everyday credit card.
The Marriott Bonvoy Boundless Card’s best features are its bonus rewards, the free night it provides after your account anniversary each year, and complimentary Silver Elite status. The rewards begin with an initial bonus of 100,000 points, which new cardholders can earn by making at least $3,000 in purchases within three months of opening an account. That could get you as many as 15 free nights in Marriott Bonvoy hotels and resorts. The bonus rewards also continue with an ongoing earning rate of 6 points per $1 spent at Marriott properties. That’s equal to nearly 6% back, considering the average value of Marriott Bonvoy points. All other purchases get you 2 points per $1, or nearly 2% back.
One downside of the Marriott Bonvoy Boundless Card is its $95 annual fee. However, paying that fee also gets you a free night, from the second year on. And that free night is worth up to 35,000 points, or roughly $347. So it’s a fair trade if you plan to stay at a Marriott soon. You’d better plan to pay your Marriott Boundless bill in full monthly, though, because a low APR is not among this card’s benefits.
Below, we’ll try to put the Marriott Bonvoy Boundless Card’s strengths and weaknesses into a bit more context to help you decide whether or not to apply.
Marriott Bonvoy Boundless Credit Card Review Highlights:
- Initial Bonus: 100,000 points – That is worth roughly $880 in Marriott reservations, according to WalletHub’s calculations. New cardholders need to make at least $3,000 in purchases within three months of opening an account to qualify. Also, to be eligible for the bonus, you cannot currently own another Marriott Bonvoy credit card or have received an initial bonus on one in the past 24 months.
- Marriott Rewards Rate: 6 points per $1 spent – That equals roughly 5.28% cash back. It applies to purchases made directly through Marriott.
- Normal Rewards Rate: 2 points per $1 spent – That equals roughly 1.76% cash back. It applies to all purchases that do not qualify for the card’s bonus Marriott earning rate. Most rewards cards give 1 point/mile or 1% cash back as a base earning rate.
- Annual Fee: $95 – Bonvoy Boundless is neither the cheapest nor the most expensive Marriott credit card available right now. It is several times costlier than the average credit card offer, however, which charges an annual fee of $20 per year.
- Foreign Transaction Fee: $0 – There is no surcharge for purchases processed abroad. That’s important given that Marriott Bonvoy has 7,000 properties across 131 countries and territories. The average foreign fee on a credit card is about 1.45%.
- Interest Rates: 15.99% - 22.99% (V) – The average credit card offer has an APR of 18.61%. None of those rates are low, though, which is why you might want to pair Marriott Bonvoy Boundless with a 0% APR credit card if you wish to save on interest on any upcoming big-ticket purchases.
- Marriott Bonvoy Status: Silver Elite – Bonvoy Boundless cardholders get 15 Elite Night Credits per year. That is more than enough to stay qualified for Silver Elite status in Bonvoy rewards program. Silver Elite status helps you earn free nights faster and qualifies you for various benefits when staying at Marriott properties.
- Minimum Credit Requirement: Good – You can check your latest credit score for free on WalletHub. We recommend a credit score of 700 or higher for good approval odds.
If you’re still not sure whether or not to apply for the Marriott Bonvoy Boundless Credit Card, you can see how it compares to the Marriott Bonvoy Bold and Brilliant cards by checking out our complete Marriott credit card review
. If you’re not totally committed to Marriott, or even hotel rewards, you might also want to browse our editors’ picks for the best travel credit cards overall