A card with no annual fee and a robust array of benefits

For a $0 annual fee, the Marriott Bonvoy Bold® Credit Card offers accelerated rewards on stays, plus a surprisingly robust array of benefits for a card at this price point.

Information about the Marriott Bonvoy Bold card has been collected independently by and is no longer available through Yahoo Finance.

TheMarriott Bonvoy Bold credit card comes with additional travel and shopping protections, including:

• Baggage delay insurance: If your baggage is delayed by six hours or more, the card will reimburse you up to $100 per day for up to five days to pay for essentials like clothing and toiletries.

• Lost luggage reimbursement: If your luggage is lost or stolen during your trip, the card will reimburse you for the cost of repairing or replacing your items, up to a maximum of $3,000 per covered traveler.

• Trip delay reimbursement: If you’re traveling via a common carrier, such as a major airline, and your trip is delayed by 12 hours or more or requires an overnight stay, the card will cover you for your unreimbursed expenses, such as a hotel stay, up to a maximum of $500 per covered traveler.

• Purchase protection: Your eligible new purchases are covered up to $500 per item for 120 days from the date of purchase against damage or theft.

With this card, you can earn the following points:

• 3 points per $1 spent at Marriott Bonvoy hotels

• 2 points per $1 spent on groceries

• 2 points per $1 spent on select rideshare and food delivery services (eligible services include DoorDash, Uber Eats, and Seamless)

• 2 points per $1 spent on select streaming, internet, cable, and phone services

• 1 point per $1 spent on all other purchases

As a cardmember, you’re granted immediate Silver Elite Marriott Bonvoy status, so you can maximize your points even more. If you’re a member of the Marriott Bonvoy program and use your Marriott Bonvoy Bold card to book hotel stays at participating resorts, you could earn up to 14 points per $1 spent on eligible purchases.

For example, say you spent $1,000 at a participating resort with your Marriott Bonvoy Bold credit card. You’d earn the following:

• The credit card gives you three points per $1 spent, 3,000 points

• Your Marriott Bonvoy membership gives you 10 points per $1 spent, or 10,000 points

• Marriott Bonvoy Silver Elite status members earn one point per $1 spent, or 1,000 points

In total, you’d earn 14,000 points.

You can redeem your Marriott Bonvoy Bold rewards points in the following ways:

• Marriott stays: Marriott Bonvoy points can be used to book hotel stays at eligible Marriott Bonvoy resorts and vacation rentals, for room upgrades, or to book a room with a combination of cash and points. Generally, using your Bonvoy points for stays is the most valuable use of your points. A nice perk of the Bonvoy is the “Stay 5 Pay 4” perk — if you book five nights with points, you’ll only have to redeem points for four nights, and the fifth night is complimentary.

• Transfer to airline programs: You can convert your Marriott Bonvoy points into airline miles with over 30 partner airline programs, including United MileagePlus, Southwest Rapid Rewards and British Airways Executive Club. However, for most of these transfers, 3 Bonvoy points equals just 1 mile, making it a poor value for your rewards.

• Other travel options: You can also redeem your points to cover the cost of cruises, flights, rental car reservations or experiences like tours booked through Marriott Bonvoy. You can also redeem 25,000 points to cover the $78 application fee cost for .

• Shop: You can use your points to pay a variety of merchandise or buy gift cards through Marriott’s shopping site.

• Transfer to retail partners. Marriott also has partnerships with MGM Rewards, Rakuten, and Starbucks where you can transfer your rewards to those loyalty programs.

Point values vary by redemption method, but we found that . You’ll get the most value for your points by using them to book qualifying hotel stays; other redemption methods have lower values.

The Marriott Bonvoy Bold card could be a good fit for someone who is just starting out with and is looking for some perks when they stay at a Marriott property. It doesn’t have an annual fee, so you don’t have to worry about an , and you can earn valuable points on hotel stays and other purchases. Plus, it includes some useful travel protections that aren’t usually available on a card without an annual fee.

That said, the card isn’t a good fit if you’re looking for more flexibility with hotel stays, or want to be able to earn higher rewards in other spending categories. The card offers the most points — and best redemption values — on Marriott Bonvoy hotel stays, so a more general rewards card may be a better fit if you want more choices.

• $0 annual fee: Unlike many travel rewards cards, there is with the Marriott Bonvoy Bold card, so there’s no cost to own the card.

• No foreign transaction fees: Many cards charge , adding to the cost of every transaction you make in another country. However, the Marriott Bonvoy Bold card doesn’t charge these fees, making it a good choice when traveling outside of the U.S.

• Extra travel benefits included: For a card without an annual fee, the Marriott Bonvoy Bold has surprisingly robust perks, including lost and delayed baggage coverage and trip delay reimbursement.

• Good to excellent credit required: Typically, applicants need a credit score in the good to excellent range to qualify for this card. If you’re not in that category, you’ll need to before applying.

• Limited redemption options: The Marriott Bonvoy Bold card allows you to redeem your points for hotel stays, transfer to airline membership programs or shop with partner retailers. But, it doesn’t allow for other common redemption methods, such as statement credits,bank deposits or booking hotels other than those owned by Marriott.

• No 0% intro APR: Unlike some cards, the Marriott Bonvoy Bold card doesn’t have a for new purchases or balance transfers, so the normal APR will apply to all transactions. Those who are eligible may be able to enroll in Pay Over Time for an eligible trip, but that’s a narrow use case.

As a Visa card, the Marriott Bonvoy Bold card can be used anywhere Visa credit cards are accepted. The card can be used domestically or internationally, and you can use the card to pay for transactions in person or online.

You can make payments or through the Chase mobile app. Or, you can contact customer support to pay over the phone:

If the Marriott Bonvoy Bold card isn’t the right card for your needs, consider these alternatives:

Why we like it: Like the Marriott Bonvoy Bold card, the doesn’t have an annual fee. But, it has a different rewards structure. You’ll earn 5miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 1.25 miles per $1 spent on everything else. Plus, it has a generous . Additionally, you can redeem Capital One miles to travel any way you’d like, or transfer them to Capital One’s travel transfer partners, which include JetBlue and British Airways. However, Marriott is not a partner, so if your loyalty lies with Bonvoy, the VentureOne might not be a fit.

Why we like it: The can be a better fit for frequent travelers than the Marriott Bonvoy Bold card. The card has a $95 annual fee, but offers plenty of benefits to justify the cost. It includes money-saving travel perks like primary auto rental coverage and trip cancellation and interruption insurance, and it has a robust rewards program. You’ll also have more redemption flexibility as the points earned with the card can be used to book travel, taken as statement credits, or used to buy merchandise or gift cards.

Why we like it: The Marriott Bonvoy Bevy American Express card may be a better fit for Marriott loyalists looking for a more premium card experience. It has a $250 annual fee, but it offers perks like a richer rewards structure, Gold Elite status (which comes with priority late checkout and other benefits), trip delay coverage, and baggage insurance.

This article was edited by Robin Saks Frankel

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