Chase · Visa
Marriott Bonvoy Boundless
Marriott Loyalists
$95 annual fee up to $100/yr in credits if you use them
Why people consider it
- 6x on Marriott.
- 3x on Grocery.
- Points transfer to 3 airline and hotel partners.
Current welcome offer
Welcome offer: 3 free nights≈ $750 at our typical valuation
Requirement: Spend $3,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 3 Free Night Awards (each redeemable at properties up to 50,000 points/night) after $3,000 spend in 3 months — reverted from 4 nights (verified on chase.com 2026-09-14)
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$753/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,503 first year
Includes: +$750 welcome offer (3 free nights at our typical value)
$750 is one-time. $753/year is ongoing.
To earn the bonus: spend $3,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- Points worth less than others (~0.8c) Free night capped at 35k
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Marriott Bonvoy Boundless on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Marriott purchases
Gas/grocery/dining (combined $6k/yr cap, then 2x)
Cap: $6,000/yr
Gas/grocery/dining (combined $6k/yr cap, then 2x)
Cap: $6,000/yr
Gas/grocery/dining (combined $6k/yr cap, then 2x)
Cap: $6,000/yr
Optional benefits and credits
Credits — if you use them
Up to $50 per semi-annual period after $250 spent directly with airlines ($500 across both periods unlocks the full $100); for cardmembers who apply 6/4/2026–12/31/2026, through 6/30/2027
Perks (not counted in our math)
Use at 35k point hotels or less
Redemption and transfer information
Points transfer to 3 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Annual free night award at 35k-point properties or below
- + 6x at Marriott
- + Path to elite status
Cons
- - Points worth less than others (~0.8c)
- - Free night capped at 35k
- - Silver status is minimal
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.