Marriott Bonvoy Daring bank card evaluate: Earn 60,000 bonus factors with no annual charge

Marriott Bonvoy Daring Credit score Card overview

The Marriott Bonvoy Daring Credit score Card is Marriott’s entry-level private cobranded bank card. This no-annual-fee card affords a option to begin incomes Marriott Bonvoy factors and even provides cardholders a jump-start on attaining elite standing. Nevertheless, it has a troublesome time competing with Marriott’s different playing cards relating to incomes charges and ongoing perks comparable to reward night time certificates. Card ranking*: ⭐⭐⭐

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

The Marriott Bonvoy Daring Credit score Card is a no-annual-fee card within the Marriott Bonvoy household. As they are saying, you get what you pay for, and that’s true relating to bank cards, too. Consequently, the Bonvoy Daring sacrifices some incomes potential and standard advantages to compensate for the shortage of an annual charge in comparison with its higher-priced counterparts.

Join our every day e-newsletter

Proper now, the Marriott Bonvoy Daring is providing a sign-up bonus of 60,000 bonus factors after you spend $2,000 on purchases within the first three months from account opening. TPG at the moment values these 60,000 factors at $504.

Right here’s what else it is advisable to know concerning the card if you’re concerned about making use of.

New to The Factors Man? Need to study extra about bank card factors and miles? Join our every day e-newsletter.

Who is that this card for?


The Marriott Bonvoy Daring is constructed for infrequent vacationers who’re loyal to the Marriott model, and it may possibly act as a set of coaching wheels for somebody simply moving into the journey sport who needs to reap the advantages of Marriott Silver Elite standing throughout resort stays.

Extra frequent vacationers who already carry premium playing cards, comparable to The Platinum Card® from American Specific, may additionally use the Marriott Bonvoy Daring as a option to complement their points-earning technique with out including one other annual charge to the combo.

Needless to say the Chase-issued Marriott Bonvoy Daring can be topic to the financial institution’s 5/24 rule, so customers who’ve opened 5 or extra playing cards prior to now two years will more than likely be ineligible for the cardboard. Equally essential, opening this card will take up one in all your precious 5/24 slots with Chase — so assume very rigorously about whether or not that is the very best worth for you earlier than making use of, or whether or not you’d be higher off making use of for one more product first.

Welcome supply

New cardholders will earn 60,000 bonus factors after spending $2,000 on purchases within the first three months from account opening — value as much as $504, based mostly on TPG’s valuations. Be aware additionally that Marriott has formally carried out dynamic pricing for award stays, which could make it more durable to search out good worth in your factors going ahead.


Chase’s 5/24 rule isn’t the one potential roadblock for brand spanking new cardholders. Marriott cobranded playing cards have eligibility necessities which might be notoriously complicated, and the Marriott Bonvoy Daring falls underneath them as properly. The Bonvoy Daring isn’t obtainable to present cardholders of the Marriott Bonvoy Boundless Credit score Card, together with earlier Boundless or Daring cardholders who obtained a brand new cardmember bonus throughout the final 24 months.

Moreover, the bonus isn’t obtainable if:

  • You’re a present cardmember of the Marriott Bonvoy Premier Credit score Card (also called Marriott Rewards Premier), Marriott Bonvoy Boundless Credit score Card (also called Marriott Rewards Premier Plus), or Marriott Bonvoy Daring Credit score Card, or have been a earlier cardmember of a kind of playing cards and obtained a brand new cardmember bonus within the final 24 months.
  • You at the moment have or have held the Marriott Bonvoy Card from American Specific (which was initially the now-discontinued Starwood Most well-liked Visitor private card) throughout the final 30 days.
  • You at the moment have or have held the Marriott Bonvoy Enterprise® American Specific® Card or the Marriott Bonvoy Good™ American Specific® Card, and obtained a brand new cardmember bonus or improve bonus within the final 24 months.
  • You have been authorised for a Marriott Bonvoy Enterprise or Marriott Bonvoy Good throughout the final 90 days.

The details about the Marriott Bonvoy Premier and Marriott Bonvoy Card from Amex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuers.

Essential perks and advantages

The 15 elite night time credit that include the Marriott Bonvoy Daring are sufficient to confer computerized Silver Elite standing. This degree comes with a ten% factors bonus on stays, precedence late checkout, free in-room Wi-Fi, cellular check-in and a reservation assure. These night time credit can even assist enhance your progress to a better degree of standing.

The Daring additionally comes with the next advantages:

  • Baggage delay insurance coverage: You may get reimbursed as much as $100 per passenger per day for as much as 5 days for important purchases made due to a baggage delay over six hours.
  • Misplaced baggage reimbursement: You’re coated as much as $3,000 per passenger when you or a direct member of the family examine or keep on baggage that’s broken or misplaced by the provider.
  • Journey delay reimbursement: In case your flight is delayed greater than 12 hours or requires an in a single day keep, you’ll be coated as much as $500 per ticket for unreimbursed bills, comparable to meals and resort prices.
  • Buy safety: This covers your new purchases for 120 days in opposition to harm or theft (as much as $500 per declare and $50,000 per account).
  • Visa concierge: Visa Signature Concierge Service is on the market 24 hours a day that can assist you e book leisure tickets, make dinner reservations and extra.

It’s uncommon to search out no-annual-fee bank cards that supply baggage and journey delay protection, making the Marriott Bonvoy Daring enticing for many who use it to pay for journey.

Incomes Bonvoy factors

The Marriott Bonvoy Daring earns 3 factors per greenback on eligible purchases at lodges collaborating within the Marriott Bonvoy program. It additionally earns 2 factors per greenback on normal journey purchases and 1 level per greenback on different purchases. Chase defines journey very broadly, so that you’ll earn these 2 factors per greenback on purchases starting from airways and lodges to transit and parking.


Needless to say the three factors per greenback you earn on Marriott resort stays is along with the factors you earn via the Bonvoy program itself. Between the ten base factors you earn and the additional 10% you earn from Silver Elite standing, you’re incomes as much as 14 whole factors per greenback on eligible Bonvoy resort stays with the Bonvoy Daring card.

It’s value mentioning that these incomes charges don’t examine favorably to any of the opposite Marriott Bonvoy bank cards, all of which provide 2 factors per greenback on on a regular basis spending and 6 factors per greenback at Marriott lodges (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 or the Capital One Enterprise Rewards Credit score Card, you’ll be higher off utilizing a kind of playing cards for broader journey purchases.

Redeeming Bonvoy factors

As with all Bonvoy bank cards, you’ll normally get probably the most worth out of your factors if you use them for award-night stays at eligible Bonvoy lodges or by transferring them to Marriott’s airline companions.

A pleasant profit to redeeming Marriott factors for award-night stays is that you simply’ll get a fifth night time free at eligible properties, supplying you with the chance to save lots of 20% on five-night stays.


Learners who could not have huge factors balances for redemptions can even reap the benefits of Marriott’s Money + Factors redemption choices, the place you should utilize factors to pay for a part of your resort keep and use money for the remaining.

Lastly, you too can switch your Marriott factors to a formidable checklist of greater than 40 airline companions at a 3:1 ratio. This isn’t at all times the very best redemption choice, however it is a chance to high off miles balances with airline packages that don’t have any different switch companions, comparable to Asiana Membership and Korean Air SkyPass. Plus, if you switch 60,000 factors at a time, you get a 5,000-mile bonus with most companions, winding up with 25,000 miles moderately than simply 20,000.

Which playing cards compete with the Bonvoy Daring?

The Daring’s fiercest competitors comes from inside Chase’s personal Bonvoy bank card lineup: the Marriott Bonvoy Boundless Credit score Card. For a $95 annual charge, you’ll get double the rewards charge on Bonvoy purchases (6 factors per greenback as an alternative of three). You may additionally take pleasure in a 35,000-point free night time certificates yearly if you renew your card, a perk that ought to simply cowl the annual charge on the cardboard.

This extra worth makes the Boundless value it for an amazing majority of vacationers, in addition to a more sensible choice than the Daring usually when you’re staying at one of many 8,000-plus lodges underneath the Marriott umbrella for multiple or two nights a 12 months.


Plus, there’s a welcome bonus on the Boundless that’s way more rewarding: Earn 100,000 bonus factors after spending $3,000 on purchases in your first three months from account opening.

For many who are adamant about avoiding an annual charge, the Daring additionally has competitors from different no-annual-fee resort bank cards, such because the Hilton Honors American Specific Card (see charges and charges), which is providing a welcome bonus of 100,000 Hilton Honors bonus factors after you spend $1,000 in purchases on the cardboard within the first three months of card membership. Plus, earn as much as $100 in assertion credit on eligible purchases made on the cardboard at any of the Hilton household lodges within the first 12 months of membership.

This bonus is collectively value as much as $700 (together with the $100 in assertion credit score), in keeping with TPG’s valuations. This card additionally comes with a strong rewards construction for a no-annual-fee card and computerized Hilton Honors Silver elite standing (with a pathway to Gold via spending). Enrollment is required for choose advantages.


When you’re not significantly loyal to Marriott, chances are you’ll wish to take a look at different no-annual-fee card choices that supply way more flexibility together with your rewards.

Backside line

Most individuals will doubtless get extra worth out of different journey bank card choices, particularly if you have a look at the present lineup of Marriott Bonvoy playing cards obtainable. The rewards charges and extra perks these different playing cards supply greater than make up for the annual charges related to them. Nevertheless, true newbies (and perhaps those that are in opposition to including one other annual charge to their wallets) may discover strong worth with the Bonvoy Daring.

Apply for the Marriott Bonvoy Daring and earn 60,000 bonus factors after spending $2,000 on purchases in your first three months from account opening.

For charges and charges of the Hilton Honors Amex Card, click on right here.

Further reporting by Ryan Wilcox and Christina Ly.

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button