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Marriott Bonvoy Boundless Credit Card

Chase's $95 Marriott card earns an annual 35,000 point free night, Silver status, and 15 elite night credits every year.

Rates verified October 11, 2026Apply now
Tracked since2026
0 reviews tracked

The Bottom Line

Annual fee
$95 (verified Oct 11, 2026). All rates and fees

Key facts

  • Welcome bonus: 4 Free Night Awards
  • Regular APR: 19.24% to 29.99% variable

Pros

  • Annual Free Night Award up to 35,000 points typically outvalues the $95 fee
  • Welcome offer: 4 free nights up to 50,000 points each after $3,000 in 3 months
  • 15 Elite Night Credits every calendar year plus automatic Silver Elite status

Cons

  • Anniversary night capped at 35,000 points, shutting out premium properties
  • 3x everyday categories capped at $6,000 combined spend per year
  • Marriott points are low value, so 2x base earning is weak for non-Marriott spend

At a glance

Rates verified October 11, 2026
Annual fee
$95
Rewards
6x at Marriott Bonvoy hotels, 3x on first $6,000 per year combined at grocery stores, gas stations, and dining, 2x on everything else
Welcome bonus
4 Free Night Awards (each valued up to 50,000 points) after $3,000 in purchases in the first 3 months, plus up to $100 in airline statement credits through 6/30/2027
Regular APR
19.24% to 29.99% variable
Recommended credit
Good to excellent
Issuer
Chase
Network
Visa

Does it earn back the fee?

First year
$855

includes the $500 welcome offer ($3,000 of spend in 3 months)

Every year after
$355

after the $95 annual fee

On $22,500 of annual spending at Marriott Bonvoy Boundless Credit Card's base rate of 2%, which earns $450 a year. This is a floor: it counts only the rate that applies to every purchase, so bonus categories can push it higher, never lower. Points and miles are valued at 1 cent each, what they are worth as cash back. Transferring to airline or hotel partners can be worth more, but only when award seats exist, so we leave that out of the guaranteed figure.

How this fee compares

$95 annual fee

Welcome offer: 4 Free Night Awards (each valued up to 50,000 points) after $3,000 in purchases in the first 3 months, plus up to $100 in airline statement credits through 6/30/2027. Regular APR 19.24% to 29.99% variable.

Last verified October 11, 2026

We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.

Fees and offers change. Named comparisons use each card's last issuer-page check, not a shared snapshot.

What is Marriott Bonvoy Boundless Credit Card?

Editorial review
The Marriott Bonvoy Boundless Credit Card from Chase is the mainstream Marriott card: $95 a year, a free night on every account anniversary, and a welcome offer built around free nights rather than points. As of August 2026, new cardholders earn 4 Free Night Awards, each valued at up to 50,000 points, after spending $3,000 in the first 3 months, plus up to $100 in statement credits after $500 in eligible airline purchases through June 30, 2027. The recurring value is simple: an annual Free Night Award worth up to 35,000 points arrives after each account anniversary. At mid-tier Marriott properties that night alone routinely exceeds the $95 fee, which is the whole case for keeping the card. You also get automatic Silver Elite status, 15 Elite Night Credits each calendar year (enough to start every year halfway to Gold), and a path to Gold Elite status with $35,000 in annual purchases. Earning is hotel-centric: 6x points at Marriott Bonvoy hotels, 3x on the first $6,000 per year in combined grocery store, gas station, and dining purchases, and 2x on everything else. Marriott points are worth well under a cent each by most valuations, so this is not the card for everyday non-Marriott spending once the $6,000 cap is hit. The purchase APR is 19.24 to 29.99 percent variable, there are no foreign transaction fees, and the card includes a 12-month complimentary DashPass membership plus baggage delay and trip delay protections. Note that Chase's 5/24 rule applies to applications, and the 35,000 point cap on the anniversary night means top-tier properties are out of reach without topping off with up to 15,000 points from your balance. The Boundless fits travelers who stay at Marriott properties a few times a year and want a cheap annual free night plus a head start on elite status. It is also the standard downgrade landing spot from the Brilliant. Skip it if you rarely sleep at Marriott brands: the anniversary night is the fee justification, and it expires a year after issue. Big Marriott spenders who want breakfast and lounge access should pay up for the Brilliant instead.

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Marriott Bonvoy Boundless Credit Card FAQ

What is the current Boundless welcome offer?

As of August 2026: 4 Free Night Awards, each valued at up to 50,000 points, after $3,000 in purchases in the first 3 months, plus up to $100 in statement credits after $500 in eligible airline purchases (available through June 30, 2027).

How does the annual free night work?

After each account anniversary you receive a Free Night Award redeemable at properties costing up to 35,000 points per night, and you can add up to 15,000 points from your own balance to book more expensive hotels. The award expires 12 months after issue.

Does the Boundless help me earn Marriott elite status?

Yes. It grants automatic Silver Elite status and 15 Elite Night Credits every calendar year, which puts you 60 percent of the way to Gold (25 nights). Spending $35,000 in a year earns Gold outright.

Am I eligible if I have other Marriott cards or many recent applications?

Chase's 5/24 rule applies: five or more new cards across issuers in 24 months generally means denial. Marriott also restricts bonuses for people who hold or recently held certain Amex Marriott cards, so check the offer terms before applying.

Is the Boundless worth keeping after the first year?

If you use the anniversary free night at a property that would cost more than $95, yes, and mid-tier Courtyards and Residence Inns clear that bar easily. If the certificate expires unused, downgrade to the no-fee Bold.

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