Chase
Marriott Bonvoy Bountiful Credit Card
Large welcome offer worth an estimated $638
- Annual fee
- $250
- Welcome offer
- ~$637.50
- Annual benefits value
- $225
- Est. 1st-year value
- $862.50
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Our review
The Marriott Bonvoy Bountiful Credit Card sits in the middle of Marriott's co-branded lineup, and it ranks lower than some peers because its $250 annual fee buys a benefit set that is thinner than the price suggests. It is aimed at committed Marriott guests who want higher automatic status and strong earning on Marriott stays.
Unlike most hotel cards at this fee level, the Bountiful does not hand you an automatic annual free night. Instead, you earn a free night award, valid for a stay costing up to 50,000 points, only after spending at least $15,000 on the card in a calendar year. That spending hurdle meaningfully changes the value calculation and is the card's most important caveat.
The clearest ongoing perk is automatic Marriott Bonvoy Gold Elite status, which brings room upgrades based on availability, late checkout, and a 25% points bonus on paid stays. Cardholders also receive 15 elite night credits each calendar year, which can be stacked with a Marriott business card to accelerate progress toward higher tiers.
Earning is competitive on Marriott stays and includes bonus categories on dining and grocery stores up to an annual cap, but the card notably lacks statement credits, an automatic free night, and a Global Entry credit that similarly priced cards often provide. It does carry no foreign transaction fees and a complimentary DashPass membership if activated within the stated window.
The Bountiful makes the most sense for a dedicated Marriott loyalist who values Gold status and will realistically hit the spending threshold to earn the free night. For most other travelers, a lower-fee Marriott card with an automatic annual free night, or a card with richer credits, will offer better overall value.
Why we like it
- Automatic Marriott Bonvoy Gold Elite status, with room upgrades based on availability, late checkout, and a 25% points bonus on paid stays.
- 15 elite night credits each calendar year that can be stacked with a Marriott business card toward higher status.
- A free night award worth up to 50,000 points once you meet the annual spending threshold.
- Strong points earning on Marriott stays plus bonus categories on dining and grocery stores.
Who it's best for
- Marriott loyalists who value automatic Gold Elite status and will realistically hit the annual spending threshold to earn the free night.
- Frequent Marriott guests who want to stack elite night credits toward higher status.
- Travelers who put significant everyday spending on a single card and stay with Marriott regularly.
Welcome bonus
The card typically offers a welcome bonus of Marriott Bonvoy points after you meet a minimum spending requirement within the first few months; see the estimated value shown above for a current approximation.
Welcome offers change over time, so confirm the exact points, spend, and time window on the issuer's application page before applying.
The card is subject to Chase's 5/24 rule and Marriott's own cross-card eligibility restrictions.
Using your rewards
Rewards are earned as Marriott Bonvoy points, best redeemed for award stays across Marriott's global portfolio.
Marriott uses dynamic award pricing, so nightly costs vary; booking five-night award stays unlocks the fifth-night-free benefit for added value.
Points can be transferred to airline partners, typically at a 3-to-1 ratio, but hotel redemptions usually provide better value than transfers.
Airport lounge access
This is a hotel co-branded card and does not include airport lounge access.
Foreign transaction fees
The card does not charge foreign transaction fees, so it can be used abroad without an added surcharge.
Major credits & annual benefits
Automatic Marriott Bonvoy Gold Elite status while you remain a cardholder.
15 elite night credits each calendar year toward higher Marriott Bonvoy status.
A free night award worth up to 50,000 points after spending at least $15,000 on purchases in a calendar year; it is not provided automatically.
A complimentary DashPass membership when activated within the stated window, plus bonus points on each eligible Marriott stay.
Insurance & protections
The card includes travel and shopping protections such as trip delay insurance, baggage delay insurance, lost luggage reimbursement, secondary car rental coverage, purchase protection, and extended warranty coverage.
Coverage limits and exclusions apply, so pay with the card and review the current benefits guide before relying on any protection.
Fees & tradeoffs
The $250 annual fee is steep relative to the card's benefits, particularly because the free night is earned only after $15,000 in annual spending rather than granted automatically.
The card also lacks statement credits, a Global Entry credit, and lounge access that similarly priced cards often include, so its value depends heavily on Marriott loyalty and high spending.
Final verdict
For a dedicated Marriott loyalist who will use Gold status and reach the spending threshold, the welcome bonus plus Gold Elite status and elite night credits can outweigh the annual fee.
For most other travelers, a lower-fee Marriott card with an automatic annual free night, or a card with richer statement credits, is likely the better choice.
Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.
Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $475
- Welcome offer
- $637.50
- Annual fee
- −$250
- Estimated first-year net
- +$862.50
Welcome offer
Welcome offer value
Earn 85,000 points after $4,000 in spend within 3 months
$637.50
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$475
| Benefit | Frequency | Est. annual value |
|---|---|---|
Free Night Award (up to 50K, after $15K spend) Reward night worth up to 50,000 points after spending $15,000 on purchases in a calendar year. Can top off with points. | Annual | $375 |
Marriott Bonvoy Gold Elite Status Complimentary Marriott Bonvoy Gold Elite status — room upgrades, late checkout, and a 25% points bonus. Roughly $100 in value if you stay ~10-15 nights at Marriott properties over the year; mark it used if it earned its keep. | Annual | $100 |
15 Elite Night Credits 15 Elite Night Credits toward the next Marriott Bonvoy elite status tier each calendar year. | Annual | $0 |
Earning rates
Who it's for
Consider it if
- Large welcome offer worth an estimated $638
- Ongoing benefits can outweigh the annual fee if used
Maybe skip it if
- Verify current terms with the issuer before applying
Fees & details
- Annual fee
- $250
- Foreign transaction fee
- None
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Marriott Bonvoy
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $250 | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$637.50 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $862.50 | $5,160.40 | $4,684 |
| Annual benefits value | $225 | $2,160.40 | $1,684 |
| Editor rating | 4.4 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
