Marriott Bonvoy Daring Credit score Card overview
The Marriott Bonvoy Daring® Credit score Card (see charges and costs) is Marriott’s entry-level private cobranded bank card. This no-annual-fee card gives a technique to earn Marriott Bonvoy factors and offers cardholders a jump-start on attaining elite standing. Nevertheless, frequent Marriott company are higher off with a card that expenses an annual payment and gives extra perks. Card ranking*: ⭐⭐½
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Marriott Bonvoy Daring is the one no-annual-fee card within the Marriott Bonvoy household.
As they are saying, you get what you pay for, and that is true relating to bank cards, too. Consequently, the Bonvoy Daring sacrifices some incomes potential and well-liked advantages to compensate for the dearth of an annual payment in comparison with its higher-priced counterparts.
Nonetheless, this could be a nice possibility for somebody simply stepping into journey who needs to take pleasure in the advantages of Marriott Silver Elite standing throughout resort stays.
We suggest a credit score rating of at the very least 670 for one of the best approval likelihood.
This is what else you could know in regards to the card if you wish to apply.
Marriott Bonvoy Daring execs and cons
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Marriott Bonvoy Daring welcome supply
New Marriott Bonvoy Daring cardholders can earn 60,000 bonus factors after spending $1,000 within the first three months of account opening.
In keeping with TPG’s September 2025 valuations, the bonus factors are value $420.
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The present welcome supply is simply wanting one of the best supply we have seen earlier than, however worthwhile if you happen to’ve been eyeing a no-annual-fee resort card.
To be eligible, you need to:
Cobranded Marriott playing cards have notoriously complicated eligibility necessities, and the Bonvoy Daring is not any exception. Earlier than making use of, make sure you examine your eligibility, as these necessities sometimes require you to not maintain one other Marriott cobranded card or have acquired a welcome bonus on one other Marriott cobranded card for a sure time frame.
Associated: The final word information to bank card utility restrictions
Marriott Bonvoy Daring advantages
The Marriott Bonvoy Daring card comes with automated Silver Elite standing. This Bonvoy standing features a 10% bonus on factors earned throughout stays, complimentary in-room Wi-Fi, precedence late checkout and a reservation assure.
The cardboard additionally comes with 5 elite evening credit per 12 months. These elite evening credit might help you progress to a better standing stage, offering extra priceless perks when staying at Marriott properties.
As well as, cardholders obtain the next advantages:
- Baggage delay insurance coverage: You will get reimbursed as much as $100 every day for as much as 5 days for eligible important purchases when there’s a baggage delay of over six hours
- Automotive rental insurance coverage: Protection for collision harm or theft if you decline the rental firm’s collision insurance coverage
- Concierge: Visa Signature concierge service is out there 24 hours a day that can assist you e book leisure tickets, make dinner reservations and extra
- Prolonged guarantee: For gadgets with lower than three years of guarantee, you may lengthen a producer’s U.S. guarantee by one further 12 months for as much as 4 years from the date of buy
- Misplaced baggage reimbursement: You are coated as much as $3,000 per coated traveler ($2,000 for New York residents, as much as $10,000 for all coated vacationers) in case your or an instantaneous member of the family’s checked or carry-on baggage is broken, misplaced or stolen throughout a coated journey
- No international transaction charges
- Buy safety: This covers your new purchases for 120 days (90 days for New York residents) in opposition to harm or theft (as much as $500 per merchandise)
- Journey delay reimbursement: In case your flight is delayed greater than 12 hours or requires an in a single day keep, you will be coated as much as $500 per coated traveler for unreimbursed bills, comparable to meals and resort prices
It is uncommon to search out no-annual-fee bank cards providing baggage and journey delay protection, making the Marriott Bonvoy Daring extra enticing for vacationers who pay for journey.
Cardholders also can use Chase Pay Over Time on purchases of $100-$5,000 made instantly with an airline or Marriott Bonvoy resort. (Entry to Pay Over Time just isn’t assured and is predicated on elements comparable to account habits, creditworthiness and credit score restrict.)
Associated: Must you get journey insurance coverage if in case you have bank card safety?
Incomes factors on the Marriott Bonvoy Daring
The Marriott Bonvoy Daring earns:
Do not forget that the three factors per greenback you earn on Marriott resort stays are along with the factors you earn by way of the Bonvoy program. Between the ten base factors and the ten% bonus from Silver Elite standing, you will earn as much as 14 whole factors per greenback spent on eligible Bonvoy resort stays with the Bonvoy Daring card. This equates to a 9.8% return on spending based mostly on TPG’s September 2025 valuations.
It is value mentioning that these incomes charges do not examine favorably to any of the opposite Marriott Bonvoy bank cards. All the opposite Marriott playing cards supply greater incomes charges on each Marriott stays and on a regular basis spending (and a few have a number of different bonus classes).
When you’ve got a normal journey bank card, such because the Chase Sapphire Most well-liked® Card (see charges and costs) or the Capital One Enterprise Rewards Credit score Card, you will be higher off utilizing a type of playing cards for many journey purchases.
Associated: Your full information to incomes Marriott Bonvoy factors
Redeeming factors on the Marriott Bonvoy Daring
As is the case with Bonvoy playing cards, Bonvoy Daring included, you will sometimes get essentially the most worth out of your factors if you use them for award stays at eligible Bonvoy inns.
A pleasant profit to redeeming Marriott factors for award stays is that you’re going to get a fifth evening free at eligible properties, saving you 20% on five-night stays.
Novices who might not have large factors balances for redemptions also can make the most of Marriott’s Money + Factors redemption choices, the place you need to use factors to pay for a part of your resort keep and money for the remainder.
TPG lead author Katie Genter spent 5 nights at Le Meridien N’Fis in Marrakech, Morocco, for simply 52,500 Marriott Bonvoy factors by benefiting from the “Keep for five, Pay for 4” characteristic.
Associated: How I plan to redeem greater than 800,000 Marriott Bonvoy factors
Transferring factors on the Marriott Bonvoy Daring
Not like many different hotel-branded playing cards, the Bonvoy Daring has respectable switch choices. You possibly can switch your Marriott factors to a powerful listing of almost 40 airline companions, sometimes at a 3:1 ratio.
That is not often one of the best redemption possibility, however it may be helpful to high off factors or miles balances with airline packages with no different switch companions, comparable to Saudia Alfursan.
Associated: Must you switch resort factors to airline companions?
Which playing cards compete with the Marriott Bonvoy Daring?
In order for you extra Marriott Bonvoy perks or choose totally different rewards, think about one among these options:
For added choices, see our listing of the greatest Marriott Bonvoy bank cards and one of the best resort bank cards.
Associated: Marriott Bonvoy Daring vs. Marriott Bonvoy Boundless: Which newbie Marriott card is greatest for you?
Is the Marriott Bonvoy Daring value it?
Since there is not any annual payment to justify, learners might discover sufficient worth within the Bonvoy Daring‘s automated Silver Elite standing to make the cardboard worthwhile. Nevertheless, anybody who stays at Marriott properties often and is keen to pay an annual payment is healthier off utilizing their Chase 5/24 slot for a Marriott card with extra sturdy advantages.
Backside line
Whereas the Marriott Bonvoy Daring gives some respectable worth for learners, you will possible get extra worth from different journey bank card choices, particularly if you have a look at the complete lineup of Marriott Bonvoy playing cards.
These different playing cards supply rewards charges and extra perks that greater than make up for his or her annual charges. Nevertheless, true learners (and perhaps these in opposition to including one other annual payment to their wallets) may discover stable worth within the Bonvoy Daring.
Whereas it isn’t essentially the most rewarding card available on the market, it may be a helpful entry level into the Marriott Bonvoy program, particularly for these seeking to keep away from annual charges.
Apply right here: Marriott Bonvoy Daring
For charges and costs of the Hilton Honors Amex Card, click on right here.
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