Marriott Bonvoy Bold® Credit Card
Basic Information
Program ID: marriott-bonvoy-bold-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:56
Last Scraped: 01/15/2026 12:57
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,149.00% - 2,849.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,149.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $30,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points typically post to your Marriott Bonvoy account 6 to 8 weeks after qualifying purchases are made and post to your account.
Rewards Program
Reward Type: Marriott Bonvoy Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Marriott Bonvoy Hotels, 2x Other Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire if no qualifying activity for 24 consecutive months.
Transfer Partners: American Airlines AAdvantage, Delta SkyMiles, United MileagePlus, British Airways Executive Club, Emirates Skywards, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer (and many more, typically 3:1 ratio with 5k bonus for 60k points transfer)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Hotel Status: Marriott Bonvoy Silver Elite
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, eligibility for the Marriott Bonvoy Bold Credit Card welcome bonus from Chase is projected to follow current established rules. Applicants must meet Chase's standard creditworthiness criteria. Key application rules include: 1) **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal credit cards from any issuer in the past 24 months. 2) **Marriott Bonvoy Bonus Eligibility**: Applicants are generally ineligible for the welcome bonus if they currently hold any Marriott Bonvoy credit card (from Chase or American Express) or have received a new cardmember bonus for any Marriott Bonvoy credit card in the past 24 months. Specific Marriott Bonvoy family rules apply, detailed in the CliffEffectRules section.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Chase cards relative to income, rapid application velocity, frequent product changes or downgrades, payment defaults, suspicious spending patterns (e.g., excessive gift card purchases, large cash advances, unusual transaction volumes).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
No annual fee, valuable Marriott Bonvoy points, and a solid sign-up bonus for an entry-level travel card.
Top Negative Feedback:
Lower earning rates and fewer premium benefits compared to higher-tier Marriott cards.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Marriott Bonvoy Boundless Credit Card
- Chase Sapphire Preferred Card
- Chase Freedom Unlimited
Card Value Score: 75.0 / 100
Est. Annual Rewards: $172.50
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024