Marriott Bonvoy Daring Credit score Card overview
The Marriott Bonvoy Bold® Credit Card (see rates and fees) is Marriott’s entry-level private cobranded bank card. This no-annual-fee product presents a approach to earn Marriott Bonvoy factors and provides cardholders a jump-start on reaching elite standing. Nonetheless, frequent Marriott visitors are higher off with a card that expenses an annual charge and presents extra perks. Card ranking*: ⭐⭐½
*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Marriott Bonvoy Bold is the one no-annual-fee card within the Marriott Bonvoy family.
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 widespread advantages to compensate for the dearth of an annual charge in comparison with its higher-priced counterparts.
Nonetheless, this generally is a nice choice for somebody simply stepping into journey who desires to get pleasure from the advantages of Marriott Silver Elite status throughout lodge stays.
We suggest a credit score of at the least 670 for the very best approval probability.
Right here’s what else you want to know concerning the card if you wish to apply.
Marriott Bonvoy Daring professionals and cons
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Marriott Bonvoy Daring welcome supply
New Marriott Bonvoy Bold cardholders can earn two free night time awards (valued at as much as 50,000 factors every) after spending $1,000 on purchases within the first three months from account opening. (Sure lodges have resort charges.)
TPG’s January 2026 valuations peg Marriott Bonvoy factors at 0.7 cents every, making this bonus value as much as $700 for those who absolutely max out every free night time award (for a complete welcome bonus of 100,000 factors).
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To be eligible, you have to:
Cobranded Marriott playing cards have notoriously complicated eligibility necessities, and the Bonvoy Daring is not any exception. Earlier than making use of, make sure you verify your eligibility, as these necessities usually require you to not maintain one other Marriott cobranded card or have acquired a welcome bonus on one other Marriott cobranded card for a sure time period.
Associated: The ultimate guide to credit card application restrictions
Marriott Bonvoy Daring advantages
The Marriott Bonvoy Bold card comes with automatic Silver Elite status. This standing features a 10% bonus on factors earned throughout stays, complimentary in-room Wi-Fi, precedence late checkout and a reservation assure.
The cardboard additionally comes with 5 elite night time credit per yr. These elite night time credit can assist you progress to a better standing degree, offering extra beneficial perks when staying at Marriott properties.
As well as, cardholders obtain the next advantages:
- Baggage delay insurance: You will get reimbursed as much as $100 every day for as much as 5 days for eligible important purchases when there’s a baggage delay of over six hours
- Car rental insurance: Protection for collision injury or theft if you decline the rental firm’s collision insurance coverage
- Concierge: Visa Signature concierge service is obtainable 24 hours a day that can assist you guide leisure tickets, make dinner reservations and extra
- Extended warranty: For objects with lower than three years of guarantee, you possibly can lengthen a producer’s U.S. guarantee by one further yr for as much as 4 years from the date of buy
- Lost luggage reimbursement: You’re lined as much as $3,000 per lined traveler ($2,000 for New York residents, as much as $10,000 for all lined vacationers) in case your or a direct member of the family’s checked or carry-on baggage is broken, misplaced or stolen throughout a lined journey
- No foreign transaction fees
- Purchase protection: This covers your new purchases for 120 days (90 days for New York residents) towards injury or theft (as much as $500 per merchandise)
- Trip delay reimbursement: In case your flight is delayed greater than 12 hours or requires an in a single day keep, you’ll be lined as much as $500 per lined traveler for unreimbursed bills, resembling meals and lodge prices
It’s uncommon to search out no-annual-fee bank cards providing baggage and journey delay protection, making the Marriott Bonvoy Daring extra engaging for vacationers who pay for journey.
Cardholders can even use Chase Pay Over Time on purchases of $100-$5,000 made immediately with an airline or Marriott Bonvoy lodge. (Entry to Pay Over Time is just not assured and relies on elements resembling account conduct, creditworthiness and credit score restrict.)
Associated: Should you get travel insurance if you have credit card protection?
Incomes factors on the Marriott Bonvoy Daring
The Marriott Bonvoy Bold earns:
Do not forget that the three factors per greenback you earn on Marriott lodge stays are along with the factors you earn via the Bonvoy program. Between the ten base factors and the ten% bonus from Silver Elite standing, you’ll earn as much as 14 complete factors per greenback spent on eligible Bonvoy lodge stays with the Bonvoy Daring card. This equates to a 9.8% return on spending primarily based on TPG’s January 2026 valuations.
It’s value mentioning that these incomes charges don’t evaluate favorably to any of the opposite Marriott Bonvoy bank cards. All the opposite Marriott playing cards supply increased incomes charges on each Marriott stays and on a regular basis spending (and a few have a number of different bonus classes).
You probably have a general travel credit card, such because the Chase Sapphire Preferred® Card (see rates and fees) or the Capital One Venture Rewards Credit Card, you’ll be higher off utilizing a kind of playing cards for many journey purchases.
Associated: Your complete guide to earning Marriott Bonvoy points
Redeeming factors on the Marriott Bonvoy Daring
As is the case with Bonvoy playing cards, Bonvoy Bold included, you’ll usually get the most value from your points if you use them for award stays at eligible Bonvoy lodges.
A pleasant profit to redeeming Marriott factors for award stays is that you just’ll get a fifth night free at eligible properties, saving you 20% on five-night stays.
Beginners who could not have huge factors balances for redemptions can even reap the benefits of Marriott’s Cash + Points redemption options, the place you should utilize factors to pay for a part of your lodge keep and money for the remainder.
TPG lead author Katie Genter spent 5 nights at Le Meridien N’Fis in Marrakech, Morocco, for simply 52,500 Marriott Bonvoy factors by benefiting from the “Keep for five, Pay for 4” characteristic.
Associated: How I plan to redeem more than 800,000 Marriott Bonvoy points
Transferring factors on the Marriott Bonvoy Daring
In contrast to many different hotel-branded playing cards, the Bonvoy Bold has first rate switch choices. You’ll be able to transfer your Marriott points to a powerful record of almost 40 airline companions, usually at a 3:1 ratio.
That is hardly ever the very best redemption choice, however it may be helpful to high off factors or miles balances with airline applications with no different switch companions, resembling Saudia Alfursan.
Associated: Should you transfer hotel points to airline partners?
Which playing cards compete with the Marriott Bonvoy Daring?
In order for you extra Marriott Bonvoy perks or favor totally different rewards, think about one among these alternate options:
For extra choices, see our record of the best Marriott Bonvoy credit cards and the best hotel credit cards.
Associated: Marriott Bonvoy Bold vs. Marriott Bonvoy Boundless: Which beginner Marriott card is best for you?
Is the Marriott Bonvoy Daring value it?
Since there’s no annual charge to justify, learners could discover sufficient worth within the Bonvoy Bold’s automated Silver Elite standing to make the cardboard worthwhile. Nonetheless, anybody who stays at Marriott properties recurrently and is keen to pay an annual charge is best off utilizing their Chase 5/24 slot for a Marriott card with extra strong advantages.
Backside line
Whereas the Marriott Bonvoy Bold presents some first rate worth for learners, you’ll probably get extra worth from different journey bank card choices, particularly if you have a look at the total lineup of Marriott Bonvoy playing cards.
These different playing cards supply rewards charges and extra perks that greater than make up for his or her annual charges. Nonetheless, true learners (and perhaps these towards including one other annual charge to their wallets) might discover stable worth within the Bonvoy Daring.
Whereas it’s not the most rewarding card on the market, it may be a helpful entry level into the Marriott Bonvoy program, particularly for these trying to keep away from annual charges.
Apply right here: Marriott Bonvoy Bold
For charges and charges of the Hilton Honors Amex Card, click on here.
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