Marriott Bonvoy Boundless® Credit score Card Assessment (2025.6 Replace: 5FN Provide)

ThunderFat      2025-06-05     2025-06-05

Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2025.6 Replace: The brand new provide is 5FN (as much as 50k).

2025.4 Replace: The brand new provide is 3 FN+50k.

2025.3 Replace: Present provide is 3 FN.

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Advantages

1. 5 FN (as much as 50k) provide: Earn 5 Free Evening (FN) Awards (with a redemption degree as much as 50,000 factors) by spending $5,000 within the first 3 months. This is without doubt one of the greatest provide on this card.
2. Marriott factors are actually very versatile after the merger with SPG. We estimate the worth of a Marriott level at 0.7 cents/level. Our estimated worth for the 50k FN is $210. So the 5FN provide is price about $1,050.
3. Earn 6x Marriott factors at Marriott accommodations (together with Marriott, Ritz-Carlton and SPG manufacturers). Earn 2x Marriott factors on every part else.
4. [New] Earn 3X Bonvoy factors per $1 on the primary $6,000 spent in mixed purchases annually on grocery shops, fuel stations, and eating
5. Should you pay the annual charge after your first account anniversary, you’ll be credited free evening (FN) with a redemption degree as much as 50,000 factors.
6. Complimentary Marriott Silver standing. Earn Marriott Gold standing by spending at the very least $35k inside every membership 12 months.
7. Earn 15 elite nights every calendar 12 months (elite nights are for standing, not free nights). You’ll solely obtain Elite Evening Credit from ONE Marriott co-branded private bank card even when you’ve got multiple Marriott/SPG/Ritz-Carlton bank cards. You may get 15 extra Elite Evening Credit when you’ve got a Marriott co-branded enterprise bank card.
8. [New] Earn 1 Elite Evening Credit score in direction of Elite Standing for each $5,000 you spend.
9. No overseas transaction charge.

Disadvantages

1. Annual charge $95, NOT waived for the primary 12 months.
2. Free evening certificates is simply legitimate for one 12 months.
3. Certificates don’t give the pliability of factors.

Introduction to Marriott Factors

• Marriott factors are probably the most versatile transferable factors (After the merging with SPG, Marriott obtained all its airline companions).
• You’ll be able to earn Marriott factors with Chase Marriott Bonvoy Boundless, Chase Marriott Bonvoy Daring, AmEx Marriott Bonvoy Good, AmEx Marriott Bonvoy Enterprise, and the next playing cards that don’t settle for new functions however settle for product change: Chase Ritz-Carlton, and AmEx Marriott Bonvoy.
• Marriott factors are saved in your Marriott account, not in your bank cards, so you will not lose your factors by canceling the bank cards.
• Your Marriott factors will expire when you do not earn or spend any Marriott factors in 24 months. So long as you earn make a purchase order with the corresponding bank cards or keep in a resort, otherwise you redeem some factors throughout the time-frame, the purpose expiration date might be postponed accordingly.
• Marriott factors could be transferred to a whole lot of airways miles (you do not have to have a Marriott associated bank card to make the switch), and the ratio is 3:1.25 (i.e. 3:1 switch price, plus you get 5k bonus miles for each 60k Marriott factors you switch at a time). The nice choices are: Alaska Airways (AS) (Non-alliance), Japan Airways (JL) (Oneworld), United Airways (UA) (Star Alliance), American Airways (AA) (Oneworld), All Nippon Airways (ANA, NH) (Star Alliance), Korean Air (KE) (SkyTeam), and so on. Should you use Marriott factors on this manner, the worth is about 0.7 cents/level.
• Marriott factors may also be redeemed for resort stays clearly. Here is the redemption chart: Marriott redemption chart. Typically talking, you will get a greater redemption worth from lowest classes. Should you use Marriott factors on this manner, the worth is about 0.7 cents/level.
• In abstract, we estimate that Marriott factors are price about 0.7 cents/level.

Beneficial Software Time

1. [5/24 Rule] If in case you have 5 or extra new accounts opened up to now 24 months, Chase won’t approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this publish for particulars about how one can probably bypass this rule.
2. This product is offered to you when you would not have the outdated Chase Marriott bank card, Chase Marriott Bonvoy Daring, or the present Marriott Bonvoy Boundless (this card) and haven’t acquired a brand new cardmember bonus for the outdated Chase Marriott bank card, Chase Marriott Bonvoy Daring, or this card up to now 24 months. Word that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
3. The bonus will not be accessible when you:
   1. are a present cardmember, or have been a earlier cardmember throughout the final 30 days, of AmEx Marriott Bonvoy (Previously AmEx SPG);
   2. utilized and have been accepted for AmEx Marriott Bonvoy Enterprise (Previously AmEx SPG Enterprise), AmEx Marriott Bonvoy Bevy, or AmEx Marriott Bonvoy Good (Previously AmEx SPG Luxurious) throughout the final 90 days.
   3. or are a present or earlier cardmember of both AmEx Marriott Bonvoy Enterprise (Previously AmEx SPG Enterprise), AmEx Marriott Bonvoy Bevy, or AmEx Marriott Bonvoy Good (Previously AmEx SPG Luxurious), and acquired a brand new cardmember bonus or improve bonus within the final 24 months.
4. Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely probably that you’ll get rejected.
5. We suggest you to use for this card after you will have a credit score historical past for greater than a 12 months.

Abstract

The signup bonus for this card is sweet. Mixed with factors top-up, the annual FN of this card could be redeemed for as much as 50k per evening. Though Marriott redemption is usually dynamic now, it shouldn’t be arduous to get greater than $95 out of the worth of this Free Evening cert, so it’s nonetheless price contemplating preserving the cardboard open after first anniversary. Remember the cardboard is topic to Chase 5/24 rule.

Associated Credit score Playing cards

Beneficial Downgrade Choices

After Making use of

• Name 800-436-7927 to examine Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain choice in 2 weeks means your software might be accepted; Obtain choice in 7-10 days means your software might be rejected; Obtain choice in 30 days merely means your software requires additional overview and there’s nothing to inform you for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it when you didn’t get approve instantly. Your private info might be acquired and they’re going to then overview it. You seldom reply questions, as a substitute, simply benefit from the music and you then get accepted or rejected, or additional info is required to be hand in to the department or faxed.

Historic Provides Chart

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