Is the Marriott Bonvoy Boundless worth $95/yr?
The honest math on the Marriott Bonvoy Boundless: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $95 annual fee.
Chase · $95 annual fee · earns Marriott Bonvoy points
Earning rates
- 6x Marriott Bonvoy hotels
- 3x Grocery stores (on the first $6,000/yr COMBINED across grocery, gas & dining, then 2x)
- 3x Dining (on the first $6,000/yr COMBINED across grocery, gas & dining, then 2x)
- 3x Gas stations (on the first $6,000/yr COMBINED across grocery, gas & dining, then 2x)
- 2x Everything else
Statement credits (1)
- Airline Statement Credits — $50 statement credit each six-month window after $250+ spent directly with airlines in that window — up to $100/yr, through June 30, 2027.
Certificates (1)
- Annual Free Night Award (up to 35,000 points) — One free night each account anniversary at a Marriott property with a redemption level up to 35,000 points.
Protections and perks (11)
- Marriott Bonvoy Silver Elite Status — Automatic Silver Elite status every calendar year — 10% bonus points on stays and priority late checkout.
- Gold Elite Status after $35,000 Spend — Spend $35,000 on the card in a calendar year and get Marriott Gold Elite status — 25% bonus points and 2pm late checkout.
- Elite Night Credits — 15 elite night credits every calendar year, plus 1 more per $5,000 spent on the card.
- Trip Delay Reimbursement — Up to $500 per covered traveler for meals and lodging when common-carrier travel is delayed more than 12 hours or overnight.
- Baggage Delay Insurance — Up to $100 a day (up to 5 days) for essentials when bags are delayed over 6 hours.
- Lost Luggage Reimbursement — Up to $3,000 per covered traveler for checked or carry-on bags lost, damaged, or stolen.
- Travel Accident Insurance — Up to $500,000 in accidental death or dismemberment coverage when the fare is paid with the card.
- Secondary Rental Car Coverage — Theft and collision coverage on rentals paid with the card — secondary to your personal auto policy in the US.
- Purchase Protection — New purchases covered 120 days against damage or theft, up to $500 per item.
- Extended Warranty — Adds a year to eligible US manufacturer warranties of 3 years or less.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
Card data verified against Chase on 2026-08-21.
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