Earn 100,000 Points On The Chase Marriott Bonvoy Boundless Card Or 60,000 Points On Marriott Bold, Upgradeable To The Incredible JPMorgan Ritz-Carlton Card

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Limited time signup bonuses:

Annual fee:

  • The Boundless card has a $95 annual fee, though the signup bonus and annual anniversary nights are worth well more than that.
  • The Bold card has no annual fee.

Welcome bonus terms:

You won’t get the welcome bonus on this card if:

  1. You have an active Chase Marriott consumer Boundless, Bold, or Premier card.
  2. You got a bonus on a Chase Marriott consumer card in the past 24 months.
  3. You have or had an active Marriott Bonvoy AMEX Consumer card in the past 30 days.
  4. You were approved for a Marriott Bonvoy Brilliant AMEX card or the Marriott Bonvoy Business AMEX in the past 90 days
  5. You received a signup bonus for a Marriott Bonvoy Brilliant AMEX or the Marriott Bonvoy Business AMEX card in the past 24 months.


Typically, Chase cards are be subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

However there have been many reports of 5/24 rules being waived for co-brand consumer cards like there.

You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.

New: Card earnings:


  • 2 points per dollar everywhere.
  • 3 points per dollar on $6,000 per calendar year of dining, gas stations, and groceries.
  • 6 Marriott points per dollar at Marriott hotels.
  • Earn 1 elite night credit with every $5,000 spent.
  • There are no foreign transaction fees.


  • 1 point per dollar everywhere.
  • 2 points per dollar on all travel purchases.
  • 3 Marriott points per dollar at Marriott hotels.
  • There are no foreign transaction fees.

Card protections:

  • Purchase protection covers items purchased up to $500 against theft or damage for 120 days.
  • Extended warranty protection adds an additional year on the manufacturer’s warranty.
  • Car rental CDW insurance covers rentals in the US on a secondary basis and rentals outside of the US on a primary basis.
  • Trip delay reimbursement covers $500/passenger for expenses due to delays of 12+ hours.
  • Lost luggage reimbursement covers luggage lost or damaged, up to $3,000/passenger.

Spend threshold:

You’ll need to spend $2,000 or $3,000 within 3 months.

You can pay your federal taxes for a 1.85% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

Airline transfer bonus:

You can transfer increments of 60K Marriott points into 25K airline miles with dozens of airlines or 27.5K miles with United.

Additionally, airlines often have their own bonuses for hotel point transfers.

Marriott has dozens of valuable airline transfer partners, such as Aegean, Alaska, American, JAL, Qantas, and dozens more!

Unfortunately, transfers to American, Delta, Korean, and Lifemiles are now at a 3:1 ratio instead of a 60K:25K ratio.

Miles from these airlines can be very valuable and hard to get from other sources. For example JAL miles allow you to book awards on Emirates, AA, and BA with discounted or no fuel surcharges as well as mileage bargains. Alaska miles opens up bargains on airlines like Cathay Pacific and Qantas with no fuel surcharges and they allow 2 free stopovers on awards.

Premium internet access:

Boundless cardholders get free premium in-room internet at Marriott hotels.

Elite status:

Both cards offer Silver Elite status, which gives 10% bonus points, late checkout, and more.

If you spend $35K/year on the Boundless card you will earn Gold elite status, which gives 25% bonus points, late checkout, room upgrades, a points amenity on paid and award stays, and more.

The Boundless card also offer 1 elite night credit for every $5,000 spent, with no cap.

Both cards also offer 15 elite night credits for having the card.

You can get 15 elite night credits for having a Marriott consumer card and 15 elite night credits for having a Marriott business card. You can combine those nights with promotional nights to reach higher elite tiers.

You can’t get 2 sets of 15 elite night credits if you only have consumer or only have business cards.

Anniversary night:

Boundless cardholders will receive a free night upon every card anniversary valid at hotels that cost up to 35K points. Anniversary nights can be worth several times the annual fee on this card! Anniversary nights expire 12 months after they post to your account, though they can typically be extended for another 12 months.

You will be able to add up to 15K points to certificates, for hotels that go for up to 50K points.

Card Convertibility:

You can convert your Chase Marriott cards between the Marriott Boundless, Marriott Bold,  Marriott Bountiful, and JPMorgan Ritz-Carlton card.

Officially you can’t convert until you have had your card for 12 months, but some reps will allow conversions at any time.

Upgrade to JPMorgan Ritz:

The JPMorgan Ritz-Carlton Card is the best Marriott card, but there’s no way to apply for it directly.

However after having a Chase Marriott card for 12 months, you can change your card into a JPMorgan Ritz-Carlton Card.

The JPMorgan Ritz-Carlton Card has a hefty $450 annual fee, but here’s what you get for that:

  • A $300 annual airline fee credit. This credit is a lot more flexible that the AMEX airline fee credit. It’s good for any airline in the world. You can use it for seat upgrades, bag fees, lounges, and any other fee. To get credit, you just call or send an SM to Chase with a request. I’ve never been denied reimbursement for a fee. Assuming you use this credit, the effective annual fee is just $150.
  • An anniversary free night that is now valid up to 85K points. Previously this card received a 50K free night certificate. You can also top it up with up to 15K points, for rooms that go for up to 100K points per night. With 85K-100K points, you can potentially stay in a hotel room with a private pool that would otherwise cost thousands of dollars per night!
  • A Priority Pass membership that allows you to bring unlimited free guests into lounges. While AMEX limits you to traditional lounges, this also works for airport bars, restaurants, stores, massage spas, minute suites, and much more. For example in Cleveland I can use it at The Club lounge or for a $28/person credit at Bar Symon. With unlimited free guests, I can receive pretty much all of the snacks and drinks to stay or to go that I could ever want.
  • Additional card users are free and they also receive a Priority Pass membership that allows you to bring unlimited free guests into lounges!
  • Global Entry/TSA PreCheck/NEXUS credit
  • Return Protection, up to $500/item and $1,000/year.
  • Roadside Assistance, free up to 4 times per year.
  • Primary Car Rental CDW Coverage worldwide.
  • Emergency Medical and Dental when traveling.
  • Trip Delay Reimbursement
  • Baggage Insurance, extended warranty, and purchase protection
  • Trip Cancellation and Interruption Insurance
  • 3 annual Ritz-Carlton Club Level Upgrade Certs On Paid Stays
  • $100 property credit at Ritz-Carlton, Ritz-Carlton Reserve or S. Regis when you book using special rate for a 2+ nights.
  • Gold elite status, plus earn Platinum with $75K spend.
  • Complimentary premium in-room internet.
  • Visa Infinite benefits, like a 3 year Shipt membership.

Marriott Card Comparison Chart:

Chase Marriott Bold Consumer CardChase Marriott Boundless Consumer CardMarriott Bonvoy Consumer AMEX Marriott Bonvoy Business AMEXAMEX Marriott Bevy Consumer Card and Chase Marriott Bountiful Consumer CardJPMorgan Ritz Carlton CardMarriott Bonvoy Brilliant Consumer AMEX
Annual Fee$0$95$95$125$250$450$650
Points earned on everyday purchases1 (2 on travel purchases)2 2 2222
Points earned on airfare222 2 2 33
Points earned on Marriott hotels3666666
Points earned on restaurants13 ($6K annual cap across 3x categories)244 ($15K annual cap across 4x categories)3 3
Points earned on supermarkets13 ($6K annual cap across 3x categories)2 2 4, US only on AMEX, worldwide on Chase ($15K annual cap across 4x categories)22
Points earned on gas stations13 ($6K annual cap across 3x categories)24, US only222
Points earned on wireless service and shipping1224, US only222
Free elite status levelSilverSilverSilverGoldGoldGoldPlatinum
Elite night credits15 consumer nights15 consumer nights15 consumer nights15 business nights15 consumer nights15 consumer nights25 consumer nights
Elite status with annual spending NoneGold for $35K, plus earn 1 elite night credit with every $5,000 spentGold for $35K--Platinum for $75K
Anniversary night with no spending requiredNoneAutomatic free night up to 35K Marriott pointsAutomatic free night up to 35K Marriott pointsAutomatic free night up to 35K Marriott pointsNoneAutomatic free night up to 85K Marriott pointsAutomatic free night up to 85K Marriott points
Free night awards for spendingNoneNoneNone35K night if you spend $60K in a calendar year50K night if you spend $15K in a calendar yearNone85K night if you spend $60K in a calendar year, or select 5 suite upgrade nights or $750 off Marriott mattress
Monthly restaurant credit.NoneNoneNoneNoneNoneNone$25
Bonus points on each paid stay charged to cardNoneNoneNoneNone1,000NoneNone
Savings on Marriott staysNoneNoneNone7% off standard ratesNone$100 property credit at Ritz-Carlton, Ritz-Carlton Reserve or S. Regis when you book using special rate for a 2+ nights$100 property credit at Ritz-Carlton, Ritz-Carlton Reserve or S. Regis when you book using special rate for a 2+ nights
Annual Ritz-Carlton Club Level Upgrade Certs On Paid StaysNoneNoneNoneNoneNone3None
Annual airline fee creditNoneNoneNoneNoneNone$300None
Global Entry/TSA PreCheck creditNoneNoneNoneNoneNoneFull credit every 4 years.Full credit every 4 years.
Foreign transaction feesNoneNoneNoneNoneNoneNoneNone
Complimentary premium in-room internetNoYesYesYesYesYesYes
Priority Pass lounge membership NoNoNoNoNoYes, with unlimited free guestsYes, with 2 free guests
Enhanced Priority Pass access to restaurants, spas, and non-lounge creditsNoNoNoNoNoYes, with unlimited free guestsNo
Chase Sapphire Lounge AccessNoNoNoNoNoYes, with unlimited free guestsOne free annual visit to Chase Sapphire lounge with no guests. Guests or additional visits cost $75.
Priority Pass lounge membership for free additional usersNoNoNoNoNoYes, with unlimited free guests No
Enhanced Priority Pass access to restaurants, spas, and non-lounge credits for free additional usersNoNoNoNoNoYes, with unlimited free guestsNo
Chase Sapphire Lounge Access for free additional usersNoNoNoNoNoYes, with unlimited free guests No
Return ProtectionNoNoNoNoNoYesYes
Roadside AssistanceNoNoNoNoNo4 free uses per yearNo
US Car Rental CDW CoverageSecondarySecondarySecondarySecondarySecondaryPrimarySecondary
Emergency Medical and Dental when travelingNoNoNoNoNoYesNo
Trip Delay ReimbursementYesYesNoNoYesYesYes
Trip Cancellation and Interruption InsuranceNoNoNoNoNoYesYes
Baggage Insurance, extended warranty, and purchase protectionYesYesYesYesYesYesYes

Quick Thoughts:

As the 2 least expensive Marriott cards on the market, these cards still provide a good value and signup bonus.

The 35K annual free night should easily more than cover the cost of the Boundless card’s annual fee.

Both cards are also great entry point options to the excellent JPMorgan Ritz-Carlton card.

Will you signup for this limited time offer? Where do you use your anniversary nights?

Leave a Reply

53 Comments On "Earn 100,000 Points On The Chase Marriott Bonvoy Boundless Card Or 60,000 Points On Marriott Bold, Upgradeable To The Incredible JPMorgan Ritz-Carlton Card"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.


I currently have both the $95 AF Amex and the Business amex of Marriott, I would like to get a chase version, Which Chase Marriott card can I get a SUB on?


Perfect timing for me. Got the Brilliant AMEX last month and almost completed the application 2 days ago to get the Bus card, so I can get the 30 nights and ready to chase the Platinum status next year. Well, this saved me lots of time. Already gotten the $300 credit for the gift cards.


What gift card credit?


I think I misplaced my previous comment. I was referring to the new AMEX brilliant that had $300 Marriott credit. As Dan previously pointed, you didn’t have to stay to get that annual credit; you would buy Marriott cards and get reimbursed.

However, they replaced the Marriott credit with a monthly $25 restaurant credit.


Can I upgrade from the freedom flex to the boundless?


If I already have a consumer and business card and had the 30 total elite nights post, what happens if I now get the Marriott Bonvoy Brilliant Consumer AMEX? Will I have another 10 elite nights post for this year? Thanks!


Any benefit to having both the Marriott Bonvoy Boundless Card AND the Ritz Card?


i received this card in august. would chase honor the new promotion of 100k?thanks


So if I currently have a bonvoy Amex card this won’t work? What about if I’m the secondary user on it?


I have an active Marriott Bonvoy AMEX Consumer card for a while, any way to get the bonus on the boundless?

Amez Bonvoy Card

Does a Amex Marriott Bonvoy card (old account) disqualify from signup bonus ?


Just to clarify – correct me if I’m wrong – if you open a new chase marriott card to upgrade to the ritz you will have to wait a FULL YEAR before getting the 85k fna as they are only awarded on your card ANNIVERSARY and the when it was opened it wasn’t a ritz card…

Brian G

That’s correct. I did this almost a year ago (upgraded from the $95 Marriott to the Ritz and still have not received my 85k certificate as it has not been a one year anniversary yet. I didn’t time is correctly. You should upgrade right before your anniversary date. I did it shortly thereafter so I received the 35k cert and now am waiting on the 85k cert.

I am planning to apply for this new $95 Marriott card for 100k points. Well worth it then probably downgrade or cancel thereafter.


if I have a bold card now and close it, do I need to wait 30 days from closing?


This is copied and pasted from the terms
“The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express”
This seems to exclude the brilliant amex no?
Seems like its just referring to the regular 95$ amex marriott but if you have the brilliant you can still get the boundless/bold bonus
You write in the post – ANY consumer marriott amex
Am i missing something?




If I change my boundless to a Ritz can I apply again for the boundless?


If I’m not a big hotel guy,do these points have any cash value?


Not really


What’s is the chance of approval for 701 score with 1 year of credit history? and if not this card what card does have a chance of approval?


Dan, I am debating between the Marriott Boundless, the IHG card with the 175k, and world of Hyatt. My main purpose in these cards is the annual anniversary points, which I hope to use towards a modest- though nice yearly hotel getaway with my wife. I don’t anticipate using any of the fight travel benefits, and if I Would need them, I’d use my sapphire card.
Taking into account the current sign up bonuses for these cards, Would you kindly let me know which of the above cards you’d recommend for me?

Shaya E

Really can’t go wrong with any. But the Hyatt one probably is the most valuable free night certificate. But if you plan on using it on a one night staycation, it really depends on the footprint near where you live. For example, Hyatt currently has zero cat 4 hotels in Manhattan


Is there a post to give some perspective on bonvoy points for beginners?


Can you please suggest to me what you think is the best business balance transfer CC?

John M

I am coming up on my 2 year anniversary with the Bonvoy, if I upgrade to the Ritz before that 2 year anniversary will I receive a 85k cert even though I would have technically only had the Ritz card for a month or so?


I was told that you only get the 85k after first Ritz anniversary


If I switch over from a Boundless to a Ritz-Carlton card, say in the middle of the year, does the higher annual fee charge hit right away, or at the card anniversary?

Gregg Stuart

I believe they prorate and return Boundless fee and charge full Ritz fee.




What are some hotels that have private pool in basic room ?

Gregg Stuart

Can you get the bonus if you currently have a Ritz-Carlton Card? It’s not on the list.


Is this a no brainer to cancel Amex Bonvoy Consumer and wait 30 days, then get Boundless Consumer as its same yearly fee and anniversary night and 100K bonus points to boot?


How many free nights do the 100k points equal to?


Dan Is the 100000 points better then 3 free nights of 50k?


Should I cancel Amex Bonvoy Consumer and wait 30 days, then get Boundless Consumer as its same yearly fee and anniversary night and 100K bonus points to boot?


Dan – how likely is this offer going to be around for another 2.5 months. Conditions 1 – 4 are fine. I did get a Marriott Bonvoy Brilliant AMEX 21.5 months ago. Does it work based on the application date, or the date you actually received the bonus points? I want the Ritz card, but if I have to wait 2-3 months to get bonus points, I don’t mind waiting.


I just closed my Chase Marriott Boundless in order to reapply and get the sign up bonus. It’s been many years since my last bonus. How long would you recommend that I wait before reapplying?

DD reader

Is this offer still available?
Seems like it’s only 3 50K nights.


I just hit my anniversary and I got the free night certificate in my account. If I now downgrade my credit card to the bold to avoid the annual fee will I lose my certifacte?


the offer is currently showing 3 free nights, not 100k points (at least for me)


I got the boundless last year march 15 and they didn’t let me upgrade to ritz until March 15 this year and now i see i was issued 35k free night on march 15 but no 85k . How is it possible to get the 85k the second year if they wont let you upgrade until it’s too late ?