The Marriott Bonvoy Bold® Credit Card offers a compelling option for travelers seeking rewards within the Marriott Bonvoy® ecosystem. Cardholders can earn up to 14X total points per dollar spent at participating Marriott Bonvoy® hotels, with additional rewards on other travel purchases and everyday spending. A new cardmember offer of 30,000 bonus points awaits those who spend $1,000 on purchases within the first three months, complemented by benefits like Silver Elite status and points that do not expire as long as the card is active.
Features
- Generous Rewards Program. The Marriott Bonvoy Bold® Credit Card offers up to 14X points per dollar spent at participating Marriott Bonvoy® hotels, providing substantial rewards potential for frequent travelers. This makes it an attractive option for those who frequently stay at Marriott properties.
- New Cardmember Bonus. Upon qualifying, cardholders can earn 30,000 bonus points after spending $1,000 on purchases within the first three months. This initial bonus enhances the card's value proposition and is attainable with moderate spending.
- No Annual Fee. With no annual fee, the Marriott Bonvoy Bold® Credit Card allows cardholders to earn rewards without incurring an additional cost, making it a low-risk option for those looking to maximize rewards without upfront expenses.
Pros and Cons
Pros
Points That Don't Expire. As long as the card remains active and purchases are made every 24 months, points earned through the Marriott Bonvoy Bold® Credit Card do not expire. This feature ensures flexibility and peace of mind for cardholders who may not travel frequently.
Silver Elite Status Benefit. Cardholders automatically qualify for Silver Elite status, providing additional perks such as priority late checkout and a 10% points bonus on stays, enhancing the overall travel experience within the Marriott Bonvoy® ecosystem.
No Foreign Transaction Fees. For international travelers, the absence of foreign transaction fees on purchases made with the Marriott Bonvoy Bold® Credit Card helps save money on currency conversion and transaction costs, making it a convenient choice for global use.
Cons
Limited Redemption Options. While the card offers robust rewards at Marriott properties, its value diminishes if cardholders prefer diverse redemption options beyond hotel stays within the Marriott Bonvoy® network.
Variable APR. With an APR ranging from 21.49% to 28.49%, depending on creditworthiness, the Marriott Bonvoy Bold® Credit Card may not be the best choice for cardholders who carry a balance, as interest charges can accumulate quickly.
Upcoming Benefit Changes. Effective July 2024, the card will no longer offer 2X points on other travel purchases and 15 Elite Night Credits annually, potentially reducing its appeal for those who value these specific benefits.
How to Apply for a Marriott Bonvoy Bold® Credit Card
Online
Explore Credit Card Options. Browse through the available credit card options to find the Marriott Bonvoy Bold® Credit Card. Click on the card to access more details.
Review Card Details. Take your time to review the features, benefits, and terms of the Marriott Bonvoy Bold® Credit Card to ensure it meets your needs.
Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your Marriott Bonvoy Bold® Credit Card will be mailed to the address provided during the application process.
Mobile App
Log In or Register. Open the Chase mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
Find Marriott Bonvoy Bold® Card. Look for the Marriott Bonvoy Bold® Credit Card among the available options. Tap on the card to view more details.
Start Application. Locate the option to apply for the Marriott Bonvoy Bold® Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Marriott Bonvoy Bold® Credit Card will be mailed to the address provided during the application process.
In Bank's Office
Research and Preparation. Begin by researching the various credit cards offered by Chase to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
Visit a Chase Branch. Locate the nearest Chase branch by using the Chase website or mobile app. Plan your visit during the branch’s operating hours.
Meet with a Chase Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
Receive Your Card. If approved, your new credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Infographic
Eligibility Requirements
Credit Score. Applicants need a good to excellent credit score (considered 670 or higher) to qualify for the Marriott Bonvoy Bold® Credit Card. Higher scores increase the likelihood of approval and may result in better terms, such as a lower APR.
Income Verification. Card issuers often require applicants to provide proof of income to assess their ability to manage credit responsibly. This verification helps determine the credit limit and APR offered.
Age Requirement. Applicants must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico) to apply for the Marriott Bonvoy Bold® Credit Card. Age verification is necessary to comply with legal regulations regarding credit card issuance.
Residency. Applicants must have a valid permanent home address within the United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands. Military personnel with a US military address are also eligible.
Chase Relationship. Chase may consider an applicant's existing relationship with the bank, including any prior or current Chase credit card accounts. Restrictions may apply based on the applicant's history with Chase, including promotional pricing or rewards program participation.
Legal Capacity. Married applicants must disclose marital status and provide spousal information as required. Specific state laws, such as those in Wisconsin, may impose additional disclosure requirements related to marital property.
Reasons You May Be Denied a Card
Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
Access Your Account. Sign in to your Chase online banking account or mobile app to access your credit card information.
Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
Choose a Payment Method. Determine how you wish to proceed with your payment. Chase provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
Mobile Payment. Alternatively, you can utilize the Chase mobile banking app to complete a payment. Choose your Marriott Bonvoy Bold® credit card account and follow the prompts to finalize the payment process.
In-Person Payment. For those preferring in-person transactions, visit a Chase financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
Phone Payment. To make a payment over the phone, dial the Chase customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Marriott Bonvoy Bold® credit card account number on the check or money order and allow adequate time for delivery.
Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Marriott Bonvoy Bold® credit card debt.
Editorial Opinion
The Marriott Bonvoy Bold® Credit Card presents a balanced choice for frequent travelers looking to maximize rewards within the Marriott Bonvoy® network. Its strong initial bonus points offer and ongoing points accrual rate at Marriott properties make it particularly appealing for loyalists of the brand. However, prospective cardholders should consider the upcoming changes, such as the removal of certain benefits starting July 2024, which may affect long-term value proposition depending on individual travel patterns and preferences.
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