Is the Marriott Bonvoy Bold Credit Card Worth Getting?

The no-fee card is nice, but not right for everyone.

Dustin WallerAug 20, 2020
Is the Marriott Bonvoy Bold™ Credit Card Worth Getting?
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The Marriott Bonvoy Bold™ Credit Card from Chase offers benefits you may not expect on a card with a $0 annual fee, including Silver elite status and travel protections. But just because there’s no annual fee doesn’t mean this card is right for everyone. Here’s what you need to know to decide whether the Marriott Bonvoy Bold™ Credit Card is a good choice for you.

Valuable welcome offer

Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening. NerdWallet values Marriott Bonvoy points at about 0.9 cent each. That means the welcome offer is worth several hundred dollars, which is a great value on a credit card with no annual fee.

Plus, you’ll earn 3 points for every dollar you charge to the card at Marriott properties, 2 points per dollar on non-Marriott travel spending like airfare and taxis, and 1 point per dollar on all other spending.

Automatic Bonvoy Silver Elite status

With the Marriott Bonvoy Bold™ Credit Card you get 15 elite night credits — enough to qualify for Silver Elite status with the Marriott Bonvoy program.

Silver Elite status benefits include 10% bonus points on paid stays and late checkout when available.

Since the Marriott Bonvoy Bold™ Credit Card gives you 15 elite night credits, you have a head start on achieving Gold Elite status. You get to Gold after accumulating 25 elite night credits in a year, which means that with this card, you are only 10 nights away.

No foreign transaction fees

When traveling abroad, a credit card with no foreign transaction fees can be a great money saver. The Marriott Bonvoy Bold™ Credit Card has no foreign transaction fees — a benefit more commonly seen on credit cards with annual fees, like the Chase Sapphire Reserve® and Citi Premier® Card.

If you travel internationally, even infrequently, the Marriott Bonvoy Bold™ Credit Card can save you from paying more on purchases.

Travel more, worry less

Travel can be stressful. Many things are out of your control, like airline delays and delayed or even lost luggage. A credit card that protects you in these situations can make you feel more secure.

The Marriott Bonvoy Bold™ Credit Card offers a few extremely valuable travel protections. You get trip delay coverage, which covers unreimbursed expenses for up to $500 per ticket if your travel is delayed 12 hours or more. This not only protects you, but also family if they are traveling with you.

The Marriott Bonvoy Bold™ Credit Card also comes with baggage delay insurance. If you pay for your airline ticket with your card and your luggage doesn’t arrive with you, you can receive up to $100 per day for up to five days. This will allow you to purchase clothes or other items you need until the airline reunites you with your bags.

You also get lost luggage reimbursement, which can protect you and your immediate family for checked and carry-on luggage. You’ll get up to $3,000 per passenger if your luggage is lost or damaged.

These are benefits usually found on more expensive cards like the Chase Sapphire Reserve®.

Who’s this card for?

When deciding if the Marriott Bonvoy Bold™ Credit Card is right for you, here are some questions you should ask yourself.

Do you stay at Marriott properties?

If you don’t stay at Marriott properties, this card might not be a good fit. But if you’re a regular guest at Marriott hotels or plan to become one, the welcome offer alone, enough for an award night in a high-category property, is a good perk if you don't want to pay an annual fee.

Do you need travel protections?

If you don’t already have a credit card with travel protections, then the Marriott Bonvoy Bold™ Credit Card would be a good option. It has the same benefits we see on other cards that, unlike Marriott Bonvoy Bold™ Credit Card, charge an annual fee.

Do you value elite status?

If attaining elite hotel status is your goal, the Marriott Bonvoy Bold™ Credit Card probably shouldn’t be your first choice. Consider instead Marriott Bonvoy Boundless™ Credit Card, which charges a $95 annual fee but makes it easier to attain Gold status in the Marriott Bonvoy program (simply through credit card spending).

The bottom line

Considering its the $0 annual fee, Marriott Bonvoy Bold™ Credit Card offers an impressive lineup of benefits — especially travel protections like lost luggage reimbursement and trip delay coverage. For a regular Marriott guest who values economy and peace of mind and but doesn’t care as much about climbing the elite status ladder, Marriott Bonvoy Bold™ Credit Card is a good choice.

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