Marriott Bonvoy Bountiful bank card evaluation: Strong sign-up bonus with restricted perks

Marriott Bonvoy Bountiful Card overview

The Marriott Bonvoy Bountiful Card is one among two brand-new Marriott playing cards that launched in September 2022. Whereas it presents a profitable sign-up bonus, the general advantages fall wanting what you’d would possibly anticipate from a card that carries a $250 annual price. Card score*: ⭐⭐⭐

* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Marriott now has six cobranded playing cards obtainable to new cardholders, with annual charges on these starting from $0 to $650 per 12 months. The Marriott Bonvoy Bountiful Card from Chase launched on Sept. 22, 2022 together with its nearly-identical sibling, the Marriott Bonvoy Bevy™ American Specific Card. The Bountiful card sits in the midst of the vary of annual charges on Marriott bank cards, with an annual price of $250.

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The cardboard at the moment has a welcome supply of 125,000 Marriott Bonvoy bonus factors after you utilize your new card to make $4,000 in eligible purchases throughout the first three months from account opening. Past that, cardholders get pleasure from complimentary Marriott Gold standing together with increased incomes charges for lodge purchases and in some frequent spending classes.

That stated, the cardboard is lacking a function that you could be think about normal for a lodge bank card: a complimentary free evening if you renew your card. That is typically included with introductory playing cards which have annual charges lower than $100, so does the Marriott Bonvoy Bountiful card supply sufficient worth to offset that hole?

Here is a full evaluation of the Marriott Bonvoy Bountiful card that can assist you determine if it is a match in your pockets.

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.

Who is that this card for?

The Marriott Bonvoy Bountiful card might be a superb choice for these searching for computerized Marriott Bonvoy standing however who aren’t keen to pay increased annual charges for premium or luxurious bank cards that provide increased standing ranges. It could even be a good selection for individuals who need the patron protections it presents when purchasing or touring — although these aren’t as sturdy as some higher-end playing cards.


Holders of the Marriott Bonvoy Bountiful get pleasure from computerized Gold Elite standing for so long as the cardboard stays open, without having to achieve the traditional qualification threshold (25 nights per 12 months). Moreover, if you swipe the cardboard, you could be eligible for reimbursement in case your journey is delayed or an merchandise you bought is broken, and the annual price that unlocks these protections is decrease than different premium playing cards.

That stated, for those who’re trying to take advantage of your factors and miles technique, you might have problem justifying the cardboard — particularly due to the shortage of perks.

Associated: Which Marriott Bonvoy bank card is best for you?

Do not forget that Chase has software restrictions that you ought to be conscious of for those who determine to use. Whereas it is a new card and we do not have software information to substantiate it, it is a close to certainty that this card will probably be topic to Chase’s 5/24 rule. When you’ve opened 5 or extra bank cards previously 24 months, and these will be seen in your credit score report, then you’ll probably be denied when making use of for this or every other bank card from Chase.

When you’re within the Marriott Bonvoy Bountiful card however are ineligible because of 5/24, you could wish to think about its nearly-identical sibling, the Amex Marriott Bonvoy Bevy card.

Welcome supply: $1,050 in worth

The Marriott Bonvoy Bountiful card has a present supply of 125,000 Marriott Bonvoy bonus factors for candidates who use the brand new card to make $4,000 in eligible purchases throughout the first three months from account opening. Based mostly on TPG’s valuation of Marriott Bonvoy factors at 0.84 cents every, the 125,000 factors are price $1,050.

Do not forget that there are restrictions on new member bank card bonuses for those who’ve had related Marriott bank card merchandise from American Specific or Chase, or earlier Starwood Most well-liked Visitor playing cards from American Specific. You should definitely fastidiously evaluation the cardboard’s supply particulars web page to make sure you’re eligible.

See additionally: The last word information to bank card software restrictions

Major advantages and perks

The Bonvoy Bountiful card presents some perks that would make it worthwhile for some vacationers:

Associated: Your information to Chase’s journey insurance coverage protection

All that stated, it is price mentioning what’s absent within the perks and advantages. In brief, the cardboard is lacking a wide range of issues which are often discovered on playing cards with the identical (and even decrease) annual charges. This consists of:

Whereas limitless Precedence Go entry is normally reserved for playing cards with increased charges — just like the Marriott Bonvoy Sensible™ American Specific® Card and Hilton Honors American Specific Aspire Card — even the Hilton Honors American Specific Surpass® Card permits cardholders to enter a taking part lounge 10 occasions per 12 months for a decrease annual price ($0 introductory price the primary 12 months, then $95; see charges and charges). Observe that enrollment is required prematurely is required for a few of these advantages.

Le Meridien Bora Bora. MARRIOTT

Find out how to earn factors

The Marriott Bonvoy Bountiful Card has related incomes charges to different Marriott bank cards just like the Marriott Bonvoy Sensible American Specific Card and Marriott Bonvoy Boundless Credit score Card. Nonetheless, there are some notable variations.

For starters, Bountiful cardholders can earn 6 Marriott Bonvoy factors per greenback on purchases at inns taking part within the Marriott Bonvoy program, which matches most different cobranded playing cards. Then, you will earn 4 factors per greenback at eating places worldwide and U.S. supermarkets (on the primary $15,000 per 12 months in mixed purchases, then 1 level per greenback after reaching this restrict). All different purchases will earn 2 factors per greenback.

Associated: Which bank card must you use for Marriott stays?

As famous beforehand, TPG’s valuations peg Marriott Bonvoy factors at 0.84 cents apiece. This interprets right into a 5.04% return at Marriott properties, a 3.36% return for the primary $15,000 spent at eating places and supermarkets and a 1.68% return for all different purchases.

That is respectable for loyal Marriott vacationers who wish to increase their balances of Bonvoy factors, but it surely’s price noting that different playing cards can present a greater choice for incomes rewards on non-bonus spending classes. These choices embrace the Capital One Enterprise Rewards Credit score Card or Citi® Double Money Card. As well as, the Bountiful card is lacking bonuses for different common kinds of spending (like gasoline and airfare), so you could wish to look elsewhere for purchases that fall outdoors the above classes.

Associated: 17 methods to earn a lot of Marriott Bonvoy factors

Find out how to redeem factors

There are lots of choices when it comes time to use your Marriott factors. Usually talking, one of the best redemption is without spending a dime lodge stays. Marriott’s international portfolio has greater than 8,000 properties spanning 30 manufacturers in almost 140 international locations. The vary is sort of broad, from funds spots like TownePlace Suites to higher-end manufacturers like J.W. Marriott and Luxurious Assortment.

Among the most luxurious places are all-suite — just like the St. Regis Maldives — whereas others supply all-inclusive experiences, just like the Al Maha Resort within the desert outdoors Dubai. A few of Marriott’s top-tier properties can attain 100,000 factors (or much more) per evening. That is a variety of factors to make use of, however when you think about the truth that room charges can attain $1,500 per evening, that would supply a redemption worth of almost double our valuation of Marriott factors.

Associated: Maximizing redemptions with the Marriott Bonvoy program

Boston Marriott Lengthy Wharf. ELIZABETH HUND/THE POINTS GUY

Nonetheless, keep in mind that Marriott eliminated its revealed award chart in a transfer to a dynamic pricing scheme in March 2022. For now, 97% of its inns have saved the outdated pricing bands by means of the tip of this 12 months. Sadly, this system will transfer to a completely dynamic mannequin for all properties beginning in 2023. When you earn the sign-up bonus on the Bountiful card now, you could wish to e book subsequent 12 months’s award stays earlier than the tip of 2022.

It is price noting you could e book awards with Marriott prematurely, even if you’re brief on factors. That stated, doing so solely confirms the room; it does not lock within the value you will pay. After you have the factors you’ll want to affirm the reservation, you will pay the award fee in impact at the moment. Whereas this might prevent factors if the value drops, it might result in disappointment for those who put a lodge on maintain after which finally have to pay 5,000 and even 10,000 further factors per evening.

This might not be an enormous deal for a shorter keep, however unfold it throughout a weeklong trip you will see a hefty impression on the ultimate value.

Fortunately, Marriott does nonetheless offer you a free evening everytime you e book a stick with factors for 5 nights (or extra). Nonetheless, this solely works if you use factors for a minimum of 5 of the nights. If a kind of 5 nights is roofed with a free evening certificates, you will not be eligible.

Associated: What impression did Marriott’s modifications actually have on the worth of Bonvoy factors?

Lastly, Marriott factors can be utilized for extra than simply lodge stays. You’ll be able to switch them to over 30 airline companions, and in contrast to Hilton and Hyatt factors, there’s some strong potential when utilizing Marriott factors on this manner. Most companions have a 3-to-1 switch ratio, so 3,000 Marriott factors will usually get you 1,000 airline miles. You’ll additionally get a 5,000-mile bonus for each 60,000 factors transferred — enhancing the switch fee to 2.4:1.

Associated: How lengthy do Marriott Bonvoy factors take to switch?

Which playing cards compete with the Marriott Bonvoy Bountiful card?

Most lodge bank cards have annual charges of round $100, whereas premium lodge playing cards can hit $450 or increased. Then again, the Bonvoy Bountiful card carries a $250 annual price. We have seen mid-tier merchandise like this launch within the airline world, however this (and the almost an identical Marriott Bonvoy Bevy Amex) are distinctive within the lodge loyalty program ecosystem.

Here is a fast rundown of the playing cards that compete with the Marriott Bonvoy Bountiful.

New York Marriott on the Brooklyn Bridge. MARRIOTT

Marriott’s premium bank card is the Marriott Bonvoy Sensible American Specific Card. This card now carries an annual price of $650 as of Sept. 22, 2022 (see charges and charges), however this confers all kinds of perks:

For stays at Marriott Bonvoy properties, the Bonvoy Sensible offers the identical 6 factors per greenback as you’ll get from the Marriott Bonvoy Bountiful card. Enrollment is required prematurely for choose advantages.

Associated: The perfect lodge bank cards

One other premium lodge bank card comes from a competing loyalty program: the Hilton Honors American Specific Aspire Card. This card carries an annual price of $450 (see charges and charges) but additionally consists of quite a few advantages:

Enrollment is required prematurely for choose advantages.

The knowledge for the Hilton Aspire 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.

When you’re searching for a premium card that provides computerized elite standing with a number of applications, you could possibly additionally think about The Platinum Card® from American Specific. Cardmembers can enroll to get pleasure from Gold standing with each Marriott Bonvoy and Hilton Honors, and it will stay lively for so long as you retain your account open. Extra perks embrace entry to lounges from Precedence Go, Plaza Premium and Amex Centurion, elite standing with automobile rental applications and entry to just about $1,500 in annual credit. The factors you earn on the cardboard will be transferred on to Marriott for award redemptions, however additionally they offer you super flexibility for different redemptions as effectively. Enrollment is required prematurely for choose advantages.

Nonetheless, the Amex Platinum carries an excellent increased annual price of $695 (see charges and charges).

Lastly, for those who’re searching for a Marriott bank card with a decrease value every year, think about the Marriott Bonvoy Boundless Credit score Card. For only a $95 annual price, you will obtain computerized entry-level Silver Elite standing with Marriott, 15 elite evening credit, and a free evening award if you renew your card (price as much as 35,000 factors).

The Solaz, Luxurious Assortment in Los Cabos, Mexico. MARRIOTT

Backside line

Marriott’s up to date lineup of cobranded playing cards has arrived, and two of them are brand-new. With an annual price of $250, the Marriott Bonvoy Bountiful card falls squarely between luxurious lodge playing cards and entry-level playing cards which have annual charges beneath $100. And launching with a welcome supply price over $1,000 is actually a method to seize vacationers’ consideration.

Nonetheless, the Bountiful card falls wanting providing the perks you’d anticipate from one with a $250 annual price. There is not any annual free evening (you’ll want to spend $15,000 in a 12 months to earn one), and there aren’t any assertion credit for lodge stays or different purchases. Marriott Gold standing is respectable, however the perks aren’t so worthwhile — and there are different methods to earn them.

The welcome bonus presents important worth from the Marriott Bonvoy Bountiful card in 12 months one. Nonetheless, it could be laborious to justify protecting the cardboard for the long run — particularly when different Marriott playing cards supply related perks at decrease annual charges.

For charges and charges of the Marriott Bonvoy Sensible Amex, click on right here.
For charges and charges of the Hilton Aspire Card, click on right here.
For charges and charges of the Hilton Surpass Card, click on right here.
For charges and charges of the Amex Platinum Card, click on right here.

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