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Bank card showdown: Marriott Bonvoy Bountiful vs. Marriott Bonvoy Boundless

There are at the moment six Marriott bank cards accessible to new candidates and several other playing cards that not settle for new functions. Chase presents three of the Marriott bank cards you possibly can at the moment apply for, whereas American Specific presents the opposite three.

These playing cards are comparable in some methods and totally different in different methods. Suppose you are excited about making use of for a Marriott bank card. In that case, you could be contemplating the Marriott Bonvoy Bountiful Card or Marriott Bonvoy Boundless Credit score Cardeach of that are supplied by Chase, and earn factors and rewards with Marriott’s loyalty program, Bonvoy.

Which must you select? Let us take a look at the similarities and variations between the Bountiful and Boundless playing cards that will help you determine which possibility is healthier.

Advantages widespread to each playing cards

Earlier than we focus on how they differ, here is what the Marriott Bonvoy Bountiful and Marriott Bonvoy Boundless playing cards have in widespread:

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  • Sort of factors earned: Each playing cards earn Marriott Bonvy factors. TPG values ​​these factors at 0.84 cents a chunk. Whereas the obvious use of those factors is for lodge stays with Marriott, there are different makes use of (although some usually are not very beneficial), together with transferring factors to quite a few airline companions to redeem them for flights.
  • Incomes charges at Marriott Bonvoy inns and resorts: Each playing cards present 6 factors per greenback when paying for room charges, meals or different costs at Marriott Bonvoy properties. This yields a 5.04% return on spending, based mostly on TPG’s most up-to-date factors valuations.
  • Incomes charges on on a regular basis purchases: Each playing cards earn 2 factors per greenback on purchases that do not fall into bonus classes or on purchases in bonus classes after exceeding the annual spending caps for bonus factors. Incomes 2 factors per greenback quantities to a 1.68% return on spending, based mostly on TPG’s newest valuations.
  • Elite night time credit obtained annually: You will begin annually with 15 elite night time credit by holding both of those playing cards. Elite night time credit are what you’ll want to earn elite standing with Marriott Bonvoy. For reference, you may want 50 nights per yr to achieve Platinum Elite standing, the place advantages like free breakfast and suite upgrades kick in.
  • “Fifth night time free” profit: When redeeming factors for lodge stays with Marriott Bonvoy, you may get a fifth night time free. This implies redeeming factors for a lodge keep of 4 or 5 nights will price the identical. Please observe that this profit solely applies to factors redemptions and doesn’t apply when paying money or utilizing free night time awards.
  • Bank card issuer and software guidelines: As each playing cards are issued by Chase, each are topic to Chase’s bank card software guidelines and restrictions. Essentially the most well-known of those is the 5/24 rule, which means you may seemingly be denied in case you have opened 5 or extra accounts (5) within the final 24 months (24) throughout all bank card issuers. One other rule is that you simply seemingly will not be permitted for greater than two bank cards from Chase inside 30 days.
  • Journey protections: Each playing cards supply journey delay reimbursement, misplaced baggage reimbursement and baggage delay insurance coverage.
  • Buy safety: Each playing cards supply buy safety on gadgets you paid for along with your card, accessible as much as 120 days from the acquisition date however topic to limits on the variety of claims and per-claim worth limits.

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.

Marriott Bonvoy Bountiful overview

Present sign-up bonus

New candidates for the Bountiful card can earn 125,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. TPG values ​​this bonus at $1,050.

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Incomes factors

You’ll earn 6 factors per greenback at inns and resorts that take part in Marriott Bonvoy, 4 factors per greenback on eating and groceries and earn 2 factors per greenback on all different purchases. That being mentioned, you may solely earn 4 factors per greenback on the primary $15,000 of eating and grocery purchases per yr; After that, you may earn 2 factors per greenback for the remainder of that calendar yr.

TPG values ​​Marriott Bonvoy factors at 0.84 cents every; Thus, these incomes charges symbolize a 5.04%, 3.36% or 1.68% return on spending.

Different advantages and perks

You will have entry to Chase Gives, which may also help you lower your expenses through rebates on purchases. You can also get a free yr of DashPass from DoorDash for those who enroll by Dec. 31, 2024.

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Moreover, the Bountiful card supplies you with a number of journey and purchasing protections that may assist in occasions of want. Baggage delay insurance coverage can reimburse you for as much as $100 per day for as much as 5 days when your baggage is delayed for six hours or extra. Misplaced baggage reimbursement can present as much as $3,000 per passenger in case your journey provider completely loses your baggage. Journey delay reimbursement can reimburse as much as $500 of bills per ticket when your journey is delayed in a single day or by 12 hours or extra.

You will even have buy safety for 120 days on new purchases made with the Bountiful card. This protection is restricted to $500 per declare and as much as $50,000 per account. Lastly, there’s an prolonged guarantee profit; This provides an additional yr to US producers’ warranties of three years or much less.

Annual charge: $250.

Try our full evaluate of the Marriott Bonvoy Bountiful card for extra particulars.

Marriott Bonvoy Boundless overview

Present sign-up bonus

Candidates for the Boundless card can earn three free night time awards after spending $3,000 on purchases inside three months from account opening. Every free night time award is price as much as 50,000 factors. Based mostly on TPG’s valuation of Marriott factors at 0.84 cents every, this bonus is price as much as $1,260 in whole worth for those who can maximize every free night time award.

Associated: 13 greatest makes use of of the Marriott 50,000-point certificates for household holidays

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Incomes factors

Cardholders will earn 6 factors per greenback at Marriott Bonvoy-participating properties; 3 factors per greenback on the primary $6,000 of annual spending at gasoline stations, grocery shops and eating (then 2 factors per greenback thereafter); and a pair of factors per greenback on different purchases. TPG values ​​Marriott Bonvoy factors at 0.84 cents every; Thus, these incomes charges symbolize a 5.04%, 2.52% or 1.68% return on spending, respectively.

Associated: 17 methods to earn numerous Marriott Bonvoy factors

Different advantages and perks

Boundless cardholders obtain automated Silver Elite standing with Marribott Bonvoy — offering perks like bonus factors on stays, discounted member charges on lodge rooms and late checkout — plus 15 elite night time credit annually, serving to you’re employed towards increased standing ranges in Marriott Bonvoy. Moreover, Boundless cardholders obtain an extra elite night time credit score towards standing for every $5,000 spent on the cardboard and might obtain Gold Elite standing after spending $35,000 on the cardboard in a calendar yr.

Every year in your account anniversary, you may obtain a free night time award price as much as 35,000 factors. There is no spending requirement to obtain this profit; all that is required is maintaining your account open and paying the annual charge. If you would like to make use of this free night time award at a property that prices greater than 35,000 factors per night time, you possibly can add as much as 15,000 factors to this certificates when redeeming (for a most of fifty,000 whole factors in worth).

Associated: Find out how to use a Marriott Bonvoy 35,000-point certificates

As with the Bountiful card, you may have entry to Chase Gives and might get a free yr of DashPass from DoorDash for those who enroll by Dec. 31, 2024.

You will even have advantages like baggage delay insurance coverage, misplaced baggage reimbursement, journey delay reimbursement and buy safety. Baggage delay insurance coverage can reimburse as much as $100 per day for as much as 5 days when your baggage is delayed for six hours or extra. However, misplaced baggage reimbursement reimburses you for checked or carry-on baggage which can be misplaced or broken by your provider — as much as $3,000 per passenger.

Journey delay reimbursement will reimburse you when your journey is delayed by 12 hours or extra (or in a single day for any period of time), reimbursing your bills for as much as $500 per ticket. Buy safety covers gadgets paid for along with your Boundless card for as much as 120 days from the date of buy, masking injury or theft as much as $500 per declare and as much as $50,000 per account.

Annual charge: $95.

Try our full evaluate of the Marriott Bonvoy Boundless card for extra particulars.

JW Marriott Bonnet Creek. SUMMER HULL/THE POINTS GUY

Which card must you get?

As Chase presents each playing cards, we’ll assume you are below 5/24. We’ll additionally assume that you simply’re eligible for each bank card bonuses.

Associated: Are you eligible for a brand new Marriott Bonvoy card? This chart tells you sure or no

If you happen to’re eligible to open and obtain the bonus on both card, listed below are the explanations for and towards making use of for the Boundless and Bountiful playing cards for those who can solely select one.

The case for the Bountiful card

If you would like to obtain Gold Elite standing mechanically, that is your winner. Plus, for those who’d choose to obtain a bonus of factors as a substitute of free night time awards, this card will present factors — which you need to use as you see match, somewhat than having to make use of free night time awards. Additionally, the Bountiful card presents prolonged guarantee safety, which the Boundless card does not present.

Plus, for those who spend greater than $6,000 per yr in mixed purchases between groceries and eating, then this card will help you hold incomes factors at increased charges. You will earn 4 factors per greenback on the primary $15,000 of these purchases annually, somewhat than 3 factors per greenback on $6,000 of these purchases per yr (for reference, this class is mixed with gasoline station purchases on the Boundless card).

The case for the Boundless card

If you would like a free night time award annually that you simply hold your account open, you may get one with the Boundless card however not on the Bountiful card — except you spend $15,000. Plus, take into account this comparability: The free night time award on the Boundless card comes mechanically and is price as much as 35,000 factors. The free night time award earned from spending $15,000 on the Bountiful card is price 50,000 factors. Nevertheless, you can add 15,000 factors to the free night time award from the Boundless card to create a 50,000-point redemption. The spending required to earn these further 15,000 factors you want? It might be $7,500 at most, relying on which classes you are spending on. Utilizing the Boundless card, you can get a 50,000-point free night time award for lower than half the spending (and a less expensive annual charge).

Plus, some individuals like receiving free night time awards as a sign-up bonus, as a substitute of factors. This may be advantageous if you wish to splurge on lodge stays or do not journey typically. One more reason to contemplate the Boundless card is the power to earn one elite night time credit score for every $5,000 spent on the cardboard. Within the instance above, you’d spend $7,500 (or perhaps much less, relying on spending classes) to have the ability to make a 50,000-point redemption, and you’ll additionally get an additional elite night time credit score in your Bonvoy account within the course of. You’d get a free night time award however no extra elite night time credit after spending $15,000 on the Bountiful card.

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backside line

The Bountiful and Boundless playing cards, which Chase points, earn Marriott factors.

Whereas a few of their incomes classes are comparable, there are extra variations than similarities between these playing cards. If you happen to have been torn between these two playing cards, it is best to have a greater understanding now of which is a greater match in your pockets.

Official software hyperlink: Marriott Bonvoy Boundless Credit score Card

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