Marriott Bonvoy Bountiful™ Credit Card
Basic Information
Program ID: marriott-bonvoy-bountiful-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 17:49
Last Scraped: 01/15/2026 07:24
Fee Structure
| Annual Fee: | $250.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $250.00 |
| 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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100,000.00
Spending Requirement: $5,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically posted to your Marriott Bonvoy account within 8-12 weeks after meeting the spending requirement, but often appear sooner, sometimes within 48-72 hours of the statement closing date following the spend.
Rewards Program
Reward Type: Marriott Bonvoy Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6x Marriott Bonvoy Hotels, 3x Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: American Airlines, United Airlines, Delta Air Lines, British Airways, Emirates, Qatar Airways, Singapore Airlines, Southwest Airlines, Virgin Atlantic, etc. (40+ airline partners)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
- Hotel Status: Marriott Bonvoy Silver Elite
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, applicants for the Marriott Bonvoy Bountiful Credit Card must adhere to Chase's 5/24 rule, meaning they must not have opened 5 or more personal credit cards across all issuers in the past 24 months. Additionally, specific Marriott Bonvoy family rules apply, which are detailed in the CliffEffectRules section. The typical new cardmember bonus requires meeting a minimum spending threshold within the first 3 months of account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Chase cards, rapid application for multiple cards, abuse of return policies, suspicious spending patterns inconsistent with declared income, failure to pay on time, or repeated attempts to circumvent application rules.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Strong earning rates on Marriott purchases (6x points), 4x points on dining and groceries, automatic Gold Elite status, and 15 elite night credits. Excellent for Marriott loyalists who frequently spend in these bonus categories.
Top Negative Feedback:
High annual fee ($250) without a complimentary free night certificate, which is a common benefit on other Marriott co-branded cards. Some users may find the value proposition less compelling compared to alternatives.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Marriott Bonvoy Boundless Credit Card
- Marriott Bonvoy Bevy American Express Card
- Chase Sapphire Preferred Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $546.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 85% General / 15% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0