The Marriott Bonvoy Bountiful™ Credit Card offers a rewards program with substantial earning potential for cardholders. New cardmembers can earn 85,000 bonus points after spending $4,000 in the first three months. The card provides up to 18.5X total points at hotels participating in Marriott Bonvoy®, including 6X points from the card, up to 10X points from Marriott for members, and an additional 2.5X points for Gold Elite Status. Additionally, cardholders can earn 4X points on the first $15,000 spent annually on grocery stores and dining, and 2X points on all other purchases. The card also includes an annual fee of $250 and a variable APR ranging from 21.49% to 28.49%.
Features
85,000 Bonus Points. New cardmembers can earn 85,000 bonus points after spending $4,000 within the first three months of account opening.
Up to 18.5X Total Points at Marriott Bonvoy® Hotels. Earn up to 18.5X points per dollar spent at hotels participating in Marriott Bonvoy® through a combination of card rewards and Marriott Bonvoy® membership benefits.
4X Points on Grocery Stores and Dining. Earn 4X points for every dollar spent on grocery stores and dining, up to $15,000 per year.
Pros and Cons
Pros
2X Points on All Other Purchases. Earn 2X points for every dollar spent on all other purchases.
Free Night Award. Receive a Free Night Award each calendar year after spending $15,000 on the card, redeemable for a one-night stay at properties with a redemption level up to 50,000 points.
No Foreign Transaction Fees. Cardholders are not charged foreign transaction fees on international purchases.
Cons
High Annual Fee. The $250 annual fee might be a deterrent for some users, especially those who do not stay frequently at Marriott properties or cannot maximize the card's benefits.
Variable APR. The high variable APR, ranging from 21.49% to 28.49%, can result in significant interest charges for cardholders who carry a balance, making it less ideal for those who do not pay off their balance in full each month.
Complex Rewards Structure. The layered points earning system (base points, member points, elite status points) may be complicated for some users to navigate and fully understand.
How to Apply for a Marriott Bonvoy Bountiful™ Credit Card
Online
Explore Credit Card Options. Browse through the available credit card options to find the Marriott Bonvoy Bountiful™ 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 Bountiful™ 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 Bountiful™ 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 Bountiful™ Card. Look for the Marriott Bonvoy Bountiful™ 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 Bountiful™ 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 Bountiful™ 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
Minimum Age. Applicants must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).
Residency. Applicants must have a valid permanent home address within the United States, the District of Columbia, Guam, Puerto Rico, or the U.S. Virgin Islands. Military personnel with a U.S. military address are also eligible.
Credit Score. A good to excellent credit score is required, considered to be 670 or higher.
Income. Proof of a stable income is necessary to assess the ability to manage credit responsibly.
Credit History. A solid credit history is essential, with a preference for applicants who have a history of managing credit well.
New Cardmember Bonus Eligibility. Applicants must be new to the Marriott Bonvoy Bountiful™ Credit Card and should not have received a new cardmember bonus for this specific card within the past 24 months.
Existing Chase Relationship. Current Chase cardholders may be subject to specific eligibility rules, and an existing relationship with the bank may be considered.
Military Lending Act Compliance. Active duty military members and their dependents are subject to additional federal protections under the Military Lending Act, ensuring the cost of consumer credit does not exceed a 36% annual percentage rate.
Accurate and Complete Application. All application information must be accurate and complete for consideration.
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 Bountiful™ 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 Bountiful™ 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 Bountiful™ credit card debt.
Editorial Opinion
The Marriott Bonvoy Bountiful™ Credit Card presents a robust option for those who frequently stay at Marriott properties and can maximize the rewards structure. The high points earning rate at Marriott hotels and the significant new cardmember bonus make it attractive for regular travelers. However, the annual fee of $250 and the variable APR may deter potential users who do not frequent Marriott locations or prefer lower-cost card options. The value of the card largely depends on the individual's travel habits and ability to leverage the rewards program effectively.
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