Marriott Bonvoy Bountiful bank card evaluate: Stable sign-up bonus with restricted perks

Marriott Bonvoy Bountiful Card overview

The Marriott Bonvoy Bountiful Card is one among two brand-new Marriott playing cards that launched in September 2022. Whereas it gives a profitable sign-up bonus, the general advantages fall wanting what you’d would possibly count on from a card that carries a $250 annual price. Card score*: ⭐⭐⭐

* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Marriott now has six cobranded playing cards obtainable to new cardholders, with annual charges on these starting from $0 to $650 per yr. The Marriott Bonvoy Bountiful Card from Chase launched on Sept. 22, 2022 together with its nearly-identical sibling, the Marriott Bonvoy Bevy™ American Specific Card. The Bountiful card sits in the course of the vary of annual charges on Marriott bank cards, with an annual price of $250.

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The cardboard presently has a welcome provide of 125,000 Marriott Bonvoy bonus factors after you employ your new card to make $4,000 in eligible purchases throughout the first three months from account opening. Past that, cardholders take pleasure in complimentary Marriott Gold standing together with greater incomes charges for resort purchases and in some frequent spending classes.

That stated, the cardboard is lacking a function that you could be contemplate normal for a resort bank card: a complimentary free evening if you renew your card. That is usually included with introductory playing cards which have annual charges lower than $100, so does the Marriott Bonvoy Bountiful card provide sufficient worth to offset that hole?

Here is a full evaluate of the Marriott Bonvoy Bountiful card that will help you resolve if it is a match to your pockets.

The data 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.

Who is that this card for?

The Marriott Bonvoy Bountiful card might be an excellent possibility for these in search of automated Marriott Bonvoy standing however who aren’t keen to pay greater annual charges for premium or luxurious bank cards that supply greater standing ranges. It might even be a sensible choice for individuals who need the buyer protections it gives when buying or touring — although these aren’t as strong as some higher-end playing cards.

THE POINTS GUY

Holders of the Marriott Bonvoy Bountiful take pleasure in automated Gold Elite standing for so long as the cardboard stays open, with no need to achieve the traditional qualification threshold (25 nights per yr). Moreover, if you swipe the cardboard, chances are you’ll be eligible for reimbursement in case your journey is delayed or an merchandise you bought is broken, and the annual price that unlocks these protections is decrease than different premium playing cards.

That stated, if you happen to’re trying to profit from your factors and miles technique, you’ll have problem justifying the cardboard — particularly due to the dearth of perks.

Associated: Which Marriott Bonvoy bank card is best for you?

Do not forget that Chase has utility restrictions that you ought to be conscious of if you happen to resolve to use. Whereas it is a new card and we do not have utility information to substantiate it, it is a close to certainty that this card will likely be topic to Chase’s 5/24 rule. In the event you’ve opened 5 or extra bank cards up to now 24 months, and these might be seen in your credit score report, then you’ll possible be denied when making use of for this or every other bank card from Chase.

In the event you’re within the Marriott Bonvoy Bountiful card however are ineligible resulting from 5/24, chances are you’ll wish to contemplate its nearly-identical sibling, the Amex Marriott Bonvoy Bevy card.

Welcome provide: $1,050 in worth

The Marriott Bonvoy Bountiful card has a present provide of 125,000 Marriott Bonvoy bonus factors for candidates who use the brand new card to make $4,000 in eligible purchases throughout the first three months from account opening. Primarily based on TPG’s valuation of Marriott Bonvoy factors at 0.84 cents every, the 125,000 factors are price $1,050.

Do not forget that there are restrictions on new member bank card bonuses if you happen to’ve had related Marriott bank card merchandise from American Specific or Chase, or earlier Starwood Most popular Visitor playing cards from American Specific. Remember to rigorously evaluate the cardboard’s provide particulars web page to make sure you’re eligible.

See additionally: The last word information to bank card utility restrictions

Major advantages and perks

The Bonvoy Bountiful card gives some perks that would make it worthwhile for some vacationers:

  • Marriott Gold Elite standing: Main cardholders (approved customers aren’t included) obtain automated Marriott Gold standing so long as the account is open. TPG values Marriott’s Gold standing at $800 per yr. That is Marriott Bonvoy’s mid-tier degree, and the most useful advantages of Gold standing are upgrades to enhanced rooms (when obtainable) and a 25% factors bonus on resort spending. Whereas many resort bank cards provide a solution to spend your manner towards greater standing ranges, that is noticeably absent on the Marriott Bonvoy Bountiful card.
  • Annual free evening award by way of spending: If you spend at the very least $15,000 on eligible purchases throughout your cardmember yr (not calendar yr), you may earn a free evening certificates that may cowl a one-night keep costing as much as 50,000 factors. That is extra useful than these supplied on lower-tier Marriott playing cards (that are capped at 35,000 factors). Nevertheless, these can be found with out a spending requirement, whereas the Bountiful requires $15,000 in spending per yr. That stated, there are some terrific makes use of of the 50,000-point free evening certificates — although keep in mind that Marriott’s dynamic pricing might have an effect on these properties, particularly on high-demand dates.
  • Elite evening credit: If you maintain the Bountiful card, you may mechanically obtain 15 elite qualifying evening credit per yr. This profit might be stacked with the nights you earn with a Marriott small-business card, which is able to put you 60% of the way in which to Platinum Elite standing. Nevertheless, this solely applies to enterprise playing cards. You probably have one other private Marriott card from both Chase or American Specific, you are restricted to only 15 nights.
  • Bonus factors on every keep: Cardholders obtain 1,000 bonus factors on every eligible keep at motels and resorts taking part within the Marriott Bonvoy program. That is equal to an additional $8.40 price of factors based mostly on TPG’s valuations.
  • Journey protections: This card gives journey delay insurance coverage for journeys delayed by greater than 12 hours resulting from a lined purpose if you pay for at the very least a part of your journey with the Bountiful card (which incorporates paying the taxes and charges in your flight award redemption). You may additionally take pleasure in baggage delay safety — which reimburses as much as $100 per day for necessities whereas ready to your baggage — and misplaced baggage reimbursement of as much as $3,000 per lined particular person per lined journey. You may additionally obtain secondary automobile rental loss and injury insurance coverage, roadside dispatch companies (pay per use), journey accident insurance coverage and journey emergency help companies, which might join you to emergency service suppliers throughout a time of want. Be aware that there could also be expenses for these companies when offered by third events.
  • Procuring protections: Purchases made with the cardboard can get 120 days of buy safety (as much as $500 per declare and as much as $50,000 per account) for theft, injury or lack of new objects and as much as one yr of prolonged guarantee protection on warranties of three years or much less on lined purchases worldwide (as much as $10,000 per declare and as much as $50,000 per account).

Associated: Your information to Chase’s journey insurance coverage protection

All that stated, it is price mentioning what’s absent within the perks and advantages. Briefly, the cardboard is lacking a wide range of issues which are incessantly discovered on playing cards with the identical (and even decrease) annual charges. This contains:

Whereas limitless Precedence Cross entry is often reserved for playing cards with greater charges — just like the Marriott Bonvoy Good™ American Specific® Card and Hilton Honors American Specific Aspire Card — even the Hilton Honors American Specific Surpass® Card permits cardholders to enter a taking part lounge 10 instances per yr for a decrease annual price ($0 introductory price the primary yr, then $95; see charges and charges). Be aware that enrollment is required prematurely is required for a few of these advantages.

Le Meridien Bora Bora. MARRIOTT

earn factors

The Marriott Bonvoy Bountiful Card has related incomes charges to different Marriott bank cards just like the Marriott Bonvoy Good American Specific Card and Marriott Bonvoy Boundless Credit score Card. Nevertheless, there are some notable variations.

For starters, Bountiful cardholders can earn 6 Marriott Bonvoy factors per greenback on purchases at motels taking part within the Marriott Bonvoy program, which matches most different cobranded playing cards. Then, you may earn 4 factors per greenback at eating places worldwide and U.S. supermarkets (on the primary $15,000 per yr in mixed purchases, then 1 level per greenback after reaching this restrict). All different purchases will earn 2 factors per greenback.

Associated: Which bank card must you use for Marriott stays?

As famous beforehand, TPG’s valuations peg Marriott Bonvoy factors at 0.84 cents apiece. This interprets right into a 5.04% return at Marriott properties, a 3.36% return for the primary $15,000 spent at eating places and supermarkets and a 1.68% return for all different purchases.

That is respectable for loyal Marriott vacationers who wish to enhance their balances of Bonvoy factors, nevertheless it’s price noting that different playing cards can present a greater possibility for incomes rewards on non-bonus spending classes. These choices embody the Capital One Enterprise Rewards Credit score Card or Citi® Double Money Card. As well as, the Bountiful card is lacking bonuses for different well-liked kinds of spending (like fuel and airfare), so chances are you’ll wish to look elsewhere for purchases that fall outdoors the above classes.

Associated: 17 methods to earn a lot of Marriott Bonvoy factors

redeem factors

There are lots of choices when it comes time to use your Marriott factors. Typically talking, the perfect redemption is free of charge resort stays. Marriott’s international portfolio has greater than 8,000 properties spanning 30 manufacturers in almost 140 international locations. The vary is sort of broad, from finances spots like TownePlace Suites to higher-end manufacturers like J.W. Marriott and Luxurious Assortment.

Among the most luxurious areas are all-suite — just like the St. Regis Maldives — whereas others provide all-inclusive experiences, just like the Al Maha Resort within the desert outdoors Dubai. A few of Marriott’s top-tier properties can attain 100,000 factors (or much more) per evening. That is loads of factors to make use of, however when you think about the truth that room charges can attain $1,500 per evening, that would offer a redemption worth of almost double our valuation of Marriott factors.

Associated: Maximizing redemptions with the Marriott Bonvoy program

Boston Marriott Lengthy Wharf. ELIZABETH HUND/THE POINTS GUY

Nevertheless, keep in mind that Marriott eliminated its revealed award chart in a transfer to a dynamic pricing scheme in March 2022. For now, 97% of its motels have saved the previous pricing bands via the top of this yr. Sadly, this system will transfer to a completely dynamic mannequin for all properties beginning in 2023. In the event you earn the sign-up bonus on the Bountiful card now, chances are you’ll wish to ebook subsequent yr’s award stays earlier than the top of 2022.

It is price noting that you would be able to ebook awards with Marriott prematurely, even if you’re brief on factors. That stated, doing so solely confirms the room; it does not lock within the worth you may pay. After you have the factors you want to affirm the reservation, you may pay the award charge in impact at the moment. Whereas this might prevent factors if the value drops, it might result in disappointment if you happen to put a resort on maintain after which finally have to pay 5,000 and even 10,000 further factors per evening.

This might not be an enormous deal for a shorter keep, however unfold it throughout a weeklong trip you may see a hefty affect on the ultimate worth.

Fortunately, Marriott does nonetheless offer you a free evening everytime you ebook a stick with factors for 5 nights (or extra). Nevertheless, this solely works if you use factors for at the very least 5 of the nights. If a type of 5 nights is roofed with a free evening certificates, you will not be eligible.

Associated: What affect did Marriott’s modifications actually have on the worth of Bonvoy factors?

Lastly, Marriott factors can be utilized for extra than simply resort stays. You may switch them to over 30 airline companions, and in contrast to Hilton and Hyatt factors, there’s some strong potential when utilizing Marriott factors on this manner. Most companions have a 3-to-1 switch ratio, so 3,000 Marriott factors will usually get you 1,000 airline miles. You’ll additionally get a 5,000-mile bonus for each 60,000 factors transferred — enhancing the switch charge to 2.4:1.

Associated: How lengthy do Marriott Bonvoy factors take to switch?

Which playing cards compete with the Marriott Bonvoy Bountiful card?

Most resort bank cards have annual charges of round $100, whereas premium resort playing cards can hit $450 or greater. Then again, the Bonvoy Bountiful card carries a $250 annual price. We have seen mid-tier merchandise like this launch within the airline world, however this (and the almost similar Marriott Bonvoy Bevy Amex) are distinctive within the resort loyalty program ecosystem.

Here is a fast rundown of the playing cards that compete with the Marriott Bonvoy Bountiful.

New York Marriott on the Brooklyn Bridge. MARRIOTT

Marriott’s premium bank card is the Marriott Bonvoy Good American Specific Card. This card now carries an annual price of $650 as of Sept. 22, 2022 (see charges and charges), however this confers all kinds of perks:

For stays at Marriott Bonvoy properties, the Bonvoy Good gives the identical 6 factors per greenback as you’ll get from the Marriott Bonvoy Bountiful card. Enrollment is required prematurely for choose advantages.

Associated: The very best resort bank cards

One other premium resort bank card comes from a competing loyalty program: the Hilton Honors American Specific Aspire Card. This card carries an annual price of $450 (see charges and charges) but in addition contains quite a few advantages:

Enrollment is required prematurely for choose advantages.

The data for the Hilton Aspire 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.

In the event you’re in search of a premium card that provides automated elite standing with a number of packages, you can additionally contemplate The Platinum Card® from American Specific. Cardmembers can enroll to take pleasure in Gold standing with each Marriott Bonvoy and Hilton Honors, and it will stay lively for so long as you retain your account open. Extra perks embody entry to lounges from Precedence Cross, Plaza Premium and Amex Centurion, elite standing with automobile rental packages and entry to just about $1,500 in annual credit. The factors you earn on the cardboard might be transferred on to Marriott for award redemptions, however in addition they offer you great flexibility for different redemptions as effectively. Enrollment is required prematurely for choose advantages.

Nevertheless, the Amex Platinum carries a fair greater annual price of $695 (see charges and charges).

Lastly, if you happen to’re in search of a Marriott bank card with a decrease value annually, contemplate the Marriott Bonvoy Boundless Credit score Card. For only a $95 annual price, you may obtain automated entry-level Silver Elite standing with Marriott, 15 elite evening credit, and a free evening award if you renew your card (price as much as 35,000 factors).

The Solaz, Luxurious Assortment in Los Cabos, Mexico. MARRIOTT

Backside line

Marriott’s up to date lineup of cobranded playing cards has arrived, and two of them are brand-new. With an annual price of $250, the Marriott Bonvoy Bountiful card falls squarely between luxurious resort playing cards and entry-level playing cards which have annual charges below $100. And launching with a welcome provide price over $1,000 is definitely a solution to seize vacationers’ consideration.

Nevertheless, the Bountiful card falls wanting providing the perks you’d count on from one with a $250 annual price. There is no annual free evening (you want to spend $15,000 in a yr to earn one), and there aren’t any assertion credit for resort stays or different purchases. Marriott Gold standing is respectable, however the perks aren’t so useful — and there are different methods to earn them.

The welcome bonus gives vital worth from the Marriott Bonvoy Bountiful card in yr one. Nevertheless, it could be laborious to justify retaining the cardboard for the long run — particularly when different Marriott playing cards provide related perks at decrease annual charges.

For charges and charges of the Marriott Bonvoy Good Amex, click on right here.
For charges and charges of the Hilton Aspire Card, click on right here.
For charges and charges of the Hilton Surpass Card, click on right here.
For charges and charges of the Amex Platinum Card, click on right here.

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