The Bold is the no-annual-fee way into Marriott Bonvoy: you get automatic Silver Elite status and 5 Elite Night Credits a year without paying to hold the card. It earns 3x at Marriott Bonvoy hotels and 2x on groceries, select streaming, internet and cable, phone services and rideshare, with 1x on everything else. Chase recently cut the welcome bonus from 60,000 to 45,000 points, which still needs only $1,000 in spending within 3 months. The tradeoff is weak earning for a hotel card, and there's no annual free night, so it does little to make you a high-tier Marriott member. Its travel protections are solid for a free card, including trip delay coverage up to $500 per ticket, lost luggage reimbursement and no foreign transaction fee, so it works as a low-cost Marriott starter or a card to keep in the drawer.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Marriott Bonvoy hotels (card portion; Bonvoy member rate and Silver Elite are program rates, not card rates) | 3x |
Groceries | 2x |
Streaming Select streaming services | 2x |
Utilities Internet and cable services | 2x |
Phone Services Phone services | 2x |
Transit Rideshare; the same 2x bucket also covers select food delivery (no matching taxonomy category — food delivery shoppers may also see this rate) | 2x |
Everything Else | 1x |
Card details
Regular APR | 19.24%–27.74% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Marriott Bonvoy BoldBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.