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Our illustration in the card’s colours, not its design

Chase credit card

Marriott Bonvoy Bold

No annual fee. 45,000 Marriott Bonvoy points after you spend $1,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

45,000 points

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

The spending must occur during the first 3 months from account opening. Qualifying purchases exclude balance transfers, cash advances, cash-like transactions, fees, and other listed excluded transactions. Allow up to 8 weeks for bonus points to post.

Who can get it: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.

“45,000 Bonus Points After You Spend $1,000 On Purchases In The First 3 Months From Account Opening: This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy ® Premier credit card, Marriott Rewards ® Premier credit card, Marriott Bonvoy Boundless ® credit card, Marriott Rewards ® Premier Plus credit card, Marriott Bonvoy Bold ® credit card.”

The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$310$85
Typical spender$430$205
Heavy spender$680$455
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 0.5¢.

$85a year

$310 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢.

$205a year

$430 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢.

$455a year

$680 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Marriott Bonvoy

How you earn

3×
hotels participating in Marriott Bonvoy
2×
grocery storesinternet, cable, and phone servicesselect streaming servicesrideshare rewards category: taxicabs and limousinesselect food delivery services
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.

Benefits

  • Pay Yourself Back: $750 annual
  • Baggage: Up to $100 a day for up to 5 days
  • Baggage: Up to $3,000 per covered traveler; New York residents are additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip.
  • Trip delay: Up to $500 per covered traveler
  • Purchase protection: Up to $500 per item; for New York residents, the coverage period is 90 days from the purchase date.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.

Questions

What is the annual fee?
None · chase.com, since Oct 11, 2026
Does it charge a foreign transaction fee?
No. · sites.chase.com, since Oct 11, 2026
What is the purchase APR?
19.49–27.99% APR · sites.chase.com, since Sep 29, 2026
Is there a welcome bonus?
45,000 Marriott Bonvoy points after $1,000 in purchases in 3 months. · chase.com, since Oct 2, 2026
See it on chase.com

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