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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 of “fundamental” (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 value of further 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 value it.
Welcome bonus
New candidates can earn 125,000 bonus Marriott Bonvoy factors after making at the least $4,000 in purchases on their new card within the first three months from account opening. These bonus factors are value $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 offered by the cardboard issuer.
Should you’re in search of inspiration on nice locations for utilizing your Marriott Bonvoy factors, contemplate award stays at locations like The St. Regis Bora Bora Resort, The West Hollywood Version and The Ritz-Carlton, Turks & Caicos.
Skiers and snowboarders would possibly 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 motels stayed inside their earlier off-peak-to-peak pricing bands by the top of 2022, subsequent yr will probably be totally different. All motels will transfer to dynamic pricing in 2023. Because of this it may be practically not possible to know precisely what number of factors you may want for a lodge till you sit down and attempt to make a reserving.
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Associated: Ouch: It is not simply you, Marriott stays now price extra factors
Should you’ve had Marriott Bonvoy bank cards from Chase or American Specific previously, there are restrictions that can restrict your means to obtain a sign-up bonus. Happily, our chart will help make clear issues that will help you perceive which card(s) chances are you’ll 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 degree, you may 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 night time credit deposited into their Marriott Bonvoy account annually. Elite night time credit are what you have to attain larger ranges of standing with Marriott, and you may stack them when you additionally maintain a small-business enterprise bank card from Marriott.
For instance, when you maintain the Marriott Bonvoy Enterprise® American Specific® Card, this card gives you one other 15 elite night time credit. Thus, you’d begin the yr with 30 elite night time credit mechanically.
Associated: Right here’s why you want each a private and enterprise Marriott Bonvoy bank card
Additionally, it is value stating that Bountiful cardholders obtain Gold standing however don’t begin the yr with the 25 keep credit usually required to succeed in that tier. Thus, you may have 15 keep credit from the bank card profit however do not have a further 25 out of your Gold standing — that means you would not thereby begin the yr with 40 elite night time credit.
To qualify for Platinum Elite standing — the place you may discover advantages like suite upgrades and free breakfast — you want 50 nights per yr with Marriott Bonvoy. Holding the Marriott Bonvoy Bountiful card and the Amex Marriott Bonvoy Enterprise card on the identical time would put you greater than midway there, because of 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 no path to reaching larger ranges of elite standing by spending numerous cash in your Marriott Bonvoy Bountiful card annually. You possibly can’t spend your strategy to Platinum Elite standing, regardless of how a lot cash you spend on this card.
It is value stating, although, you can get computerized Platinum Elite standing with the Marriott Bonvoy Good® American Specific® 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 value $8.40. Sadly, these bonus factors aren’t out there on stays the place you redeem factors or free night time awards for an award keep.
Annual free night time certificates
Quite a few lodge bank cards supply a free night time 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 yr can obtain a free night time award value as much as 50,000 factors. Nice makes use of for these awards embody properties just like the The Ritz-Carlton, Bali, JW Marriott Venice Resort & Spa, St. Regis Langkawi in Malaysia and the Westin Hapuna Seashore Resort in Hawaii.
Associated: 13 methods to redeem the Marriott 50,000-point free night time award
Because of the dynamic pricing talked about above, it’s best to carry out a calendar seek for versatile dates with a view to discover nights that price 50,000 factors or much less. Sometimes, essentially the most troublesome instances to make use of these free night time awards will probably be on or close to holidays, because of Marriott’s dynamic pricing mannequin. Nonetheless, if you wish to use your free night time award at a pricier lodge, you are able to do this by including as much as 15,000 factors for added redemption choices.
Different cardholder perks
Incomes factors on the Bountiful card intently mirrors what you may discover on different Marriott bank cards. Cardholders earn 6 factors per greenback at motels taking part in Marriott Bonvoy, 4 factors per greenback on the primary $15,000 per yr (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 evaluation
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 which will show helpful. Advantages embody 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 whenever 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 also can make the most of Chase Gives, which may present reductions or bonus factors by focused promotions.
Backside line
Should you’ve learn different bank card opinions or “is the annual charge value it?” articles on TPG, you may be stunned that the record of perks stops right here for a lodge bank card charging $250 per yr to maintain it in your pockets.
The Marriott Bonvoy Bountiful card comes with computerized 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 night time award by spending on the cardboard.
Absent from the record of advantages, nonetheless, are perks like lounge entry and an computerized free night time in your account anniversary annually — a perk many lodge bank cards supply with none spending exercise required.
The Marriott Bonvoy Bountiful card gives a top quality sign-up bonus that simply gives worth within the first yr 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 subsequently sufficient enjoyment of the standing perks) for the $250 annual to be value it.
Those that keep extra steadily with Marriott would benefit from the perks extra however might also attain Gold standing while not having this card. That is very true since playing cards just like the Marriott Bonvoy Boundless Credit score Card (additionally from Chase) present computerized Silver Elite standing, 15 elite night time credit and a free night time award for only a $95 annual charge. You can even unlock Gold standing with the Amex Marriott Bonvoy Enterprise card for simply $125 (see charges and costs) — and that card comes with a free night time award mechanically annually.
Keep in mind that the Bountiful card is topic to the Chase 5/24 rule. In case you are involved in making use of for this card however aren’t in a position to open any further bank cards with Chase presently, contemplate the nearly-identical Marriott Bonvoy Bevy™ American Specific® Card. You possibly can learn our full evaluation of the Bevy card right here.
For charges and costs of the Amex Marriott Bonvoy Good card, click on right here.
For charges and costs of the Amex Marriott Bonvoy Enterprise card, click on right here.
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