In September 2022, Marriott Bonvoy revamped its bank cards line-up and launched two playing cards with an annual charge we might by no means seen.
Broadly talking, most lodge bank cards could be thought-about “primary” (carrying annual charges below $100) or “luxurious” (carrying annual charges of $400 or extra). Nonetheless, the Marriott Bonvoy Bountiful Card from Chase has an annual charge of $250, sitting proper within the center.
At first look, you’d most likely assume that it has $150 price of extra options when in comparison with the fundamental playing cards however a couple of issues lacking that the luxurious playing cards supply. Is that true? What do you get with this not-so-common annual charge?
This is a more in-depth take a look at what you get for the $250 annual charge on the Marriott Bonvoy Bountiful card so you possibly can resolve whether or not the annual charge is price it.
Welcome bonus
New candidates can earn 125,000 bonus Marriott Bonvoy factors after making a minimum of $4,000 in purchases on their new card within the first three months from account opening. These bonus factors are price $1,050, based on TPG’s newest valuations.
The knowledge for the Marriott Bonvoy Bountiful card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Should you’re in search of inspiration on nice locations for utilizing your Marriott Bonvoy factors, take into account award stays at locations like The St. Regis Bora Bora Resort, The West Hollywood Version and The Ritz-Carlton, Turks & Caicos.
Skiers and snowboarders may get pleasure from properties like The St. Regis Aspen Resort, The St. Regis Deer Valley or The Ritz-Carlton, Bachelor Gulch.
In March 2022, Marriott eliminated its award charts to maneuver to a dynamic pricing system. Whereas 97% of lodges stayed inside their earlier off-peak-to-peak pricing bands by the top of 2022, subsequent 12 months will probably be totally different. All lodges will transfer to dynamic pricing in 2023. Which means that it may be almost not possible to know precisely what number of factors you will want for a lodge till you sit down and attempt to make a reserving.
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Associated: Ouch: It isn’t simply you, Marriott stays now price extra factors
Should you’ve had Marriott Bonvoy bank cards from Chase or American Categorical previously, there are restrictions that can restrict your skill to obtain a sign-up bonus. Fortuitously, our chart will help make clear issues that will help you perceive which card(s) you could be eligible for.
Elite standing and associated perks
Bountiful cardholders obtain complimentary Gold Elite standing with Marriott Bonvoy annually that they’ve the cardboard. TPG values Gold Elite standing at $800 yearly. At this stage, you will obtain advantages like upgrades to most well-liked rooms (however not suites), a welcome reward of bonus factors at check-in and late checkout.
Cardholders additionally obtain 15 elite evening credit deposited into their Marriott Bonvoy account annually. Elite evening credit are what you might want to attain larger ranges of standing with Marriott, and you may stack them in case you additionally maintain a small-business enterprise bank card from Marriott.
For instance, in case you maintain the Marriott Bonvoy Enterprise® American Categorical® Card, this card gives you one other 15 elite evening credit. Thus, you’ll begin the 12 months with 30 elite evening credit mechanically.
Associated: Right here’s why you want each a private and enterprise Marriott Bonvoy bank card
Additionally, it is price stating that Bountiful cardholders obtain Gold standing however don’t begin the 12 months with the 25 keep credit usually required to achieve that tier. Thus, you will have 15 keep credit from the bank card profit however do not have an extra 25 out of your Gold standing — that means you would not thereby begin the 12 months with 40 elite evening credit.
To qualify for Platinum Elite standing — the place you will discover advantages like suite upgrades and free breakfast — you want 50 nights per 12 months with Marriott Bonvoy. Holding the Marriott Bonvoy Bountiful card and the Amex Marriott Bonvoy Enterprise card on the similar time would put you greater than midway there, due to having 30 nights in your account to start out with annually.
In contrast to many lodge bank cards that you simply’re used to, there is not any path to reaching larger ranges of elite standing by spending plenty of cash in your Marriott Bonvoy Bountiful card annually. You possibly can’t spend your option to Platinum Elite standing, regardless of how a lot cash you spend on this card.
It is price stating, although, which you could get automated Platinum Elite standing with the Marriott Bonvoy Sensible® American Categorical® Card, however that card comes with a considerably larger annual charge of $650 (see charges and costs).
1,000 bonus factors for every keep
Bountiful cardholders obtain 1,000 bonus Marriott Bonvoy factors for every paid keep at a lodge or resort taking part in Marriott Bonvoy. TPG values Marriott Bonvoy factors at 0.84 cents apiece, so 1,000 factors are price $8.40. Sadly, these bonus factors usually are not out there on stays the place you redeem factors or free evening awards for an award keep.
Annual free evening certificates
Quite a few lodge bank cards supply a free evening award, deposited mechanically into your account in your cardholder anniversary annually. Sadly, that is not the case on the Bountiful card.
Bountiful cardholders who spend $15,000 or extra on their playing cards throughout a calendar 12 months can obtain a free evening award price as much as 50,000 factors. Nice makes use of for these awards embrace properties just like the The Ritz-Carlton, Bali, JW Marriott Venice Resort & Spa, St. Regis Langkawi in Malaysia and the Westin Hapuna Seaside Resort in Hawaii.
Associated: 13 methods to redeem the Marriott 50,000-point free evening award
Because of the dynamic pricing talked about above, you need to carry out a calendar seek for versatile dates with the intention to discover nights that price 50,000 factors or much less. Sometimes, essentially the most troublesome occasions to make use of these free evening awards will probably be on or close to holidays, as a consequence of Marriott’s dynamic pricing mannequin. Nonetheless, if you wish to use your free evening award at a pricier lodge, you are able to do this by including as much as 15,000 factors for extra redemption choices.
Different cardholder perks
Incomes factors on the Bountiful card carefully mirrors what you will discover on different Marriott bank cards. Cardholders earn 6 factors per greenback at lodges taking part in Marriott Bonvoy, 4 factors per greenback on the primary $15,000 per 12 months (then 2 factors per greenback) in mixed purchases at grocery shops and on eating — together with takeout and supply — and a pair of factors per greenback on different purchases.
Associated: Marriott Bonvoy Bountiful bank card assessment
Utilizing TPG’s newest valuations, that’s a return of 5.04% on Marriott purchases, 3.36% on eating and grocery shops and a 1.68% return on on a regular basis spending. These charges aren’t mind-blowing however aren’t dangerous for a cobranded lodge bank card.
Cardholders even have journey and buy protections on their Bountiful playing cards that will show helpful. Advantages embrace baggage delay insurance coverage of as much as $100 per day for a most of 5 days (which takes impact after a delay of six hours or extra), buy safety for 120 days, journey delay reimbursement (which kicks in while you’re delayed in a single day or for 12 hours or extra) for as much as $500 per ticket and misplaced baggage reimbursement of as much as $3,000 per passenger.
Cardholders may make the most of Chase Provides, which may present reductions or bonus factors by focused promotions.
Backside line
Should you’ve learn different bank card critiques or “is the annual charge price it?” articles on TPG, you will be shocked that the checklist of perks stops right here for a lodge bank card charging $250 per 12 months to maintain it in your pockets.
The Marriott Bonvoy Bountiful card comes with automated mid-tier standing in a truly-worldwide lodge program, and cardholders get 1,000 bonus factors for every paid keep. There are additionally journey protections out there for cardholders and the power to earn a free evening award by spending on the cardboard.
Absent from the checklist of advantages, nonetheless, are perks like lounge entry and an automated free evening in your account anniversary annually — a perk many lodge bank cards supply with none spending exercise required.
The Marriott Bonvoy Bountiful card presents a high quality sign-up bonus that simply gives worth within the first 12 months for cardholders. Nonetheless, the worth in years two and past could be troublesome to find out. Those that keep sometimes with Marriott could benefit from the complimentary Gold standing, but they might not have sufficient stays (and due to this fact sufficient enjoyment of the standing perks) for the $250 annual to be price it.
Those that keep extra continuously with Marriott would benefit from the perks extra however can also attain Gold standing without having this card. That is very true since playing cards just like the Marriott Bonvoy Boundless Credit score Card (additionally from Chase) present automated Silver Elite standing, 15 elite evening credit and a free evening award for only a $95 annual charge. It’s also possible to unlock Gold standing with the Amex Marriott Bonvoy Enterprise card for simply $125 (see charges and costs) — and that card comes with a free evening award mechanically annually.
Keep in mind that the Bountiful card is topic to the Chase 5/24 rule. If you’re excited about making use of for this card however aren’t capable of open any extra bank cards with Chase right now, take into account the nearly-identical Marriott Bonvoy Bevy™ American Categorical® Card. You possibly can learn our full assessment of the Bevy card right here.
For charges and costs of the Amex Marriott Bonvoy Sensible card, click on right here.
For charges and costs of the Amex Marriott Bonvoy Enterprise card, click on right here.
