Marriott Bonvoy has a big and various bank card portfolio, with choices issued by each Chase and Amex.
Marriott Bonvoy bank cards vary from no-annual-fee playing cards to premium playing cards. Nevertheless, the Marriott Bonvoy Boundless® Credit score Card (see charges and costs) is standard with many vacationers since it’s proper in the midst of the pack when it comes to charges, perks and rewards.
In case you’re contemplating making use of for the Marriott Bonvoy Boundless, listed here are a few issues price noting, together with what credit score rating you should get accredited.
Marriott Bonvoy Boundless overview
The Marriott Bonvoy Boundless carries a modest annual payment of $95 a yr.
New cardholders can earn 5 free evening awards (every evening valued at as much as 50,000 factors) after spending $5,000 on purchases within the first three months from account opening. Sure inns have resort charges.
As of June 2025, TPG values this bonus at $1,750.
The Marriott Bonvoy Boundless card comes with automated Marriott Silver elite standing and 15 elite evening credit a yr that can assist you qualify for the next tier. In case you have a Marriott enterprise card, these elite evening credit might be stacked with these you get from your online business card.
Plus, you will get a free evening certificates price as much as 35,000 factors every year. Sure inns have resort charges.
Our valuations place this free evening certificates at a worth of $245, which greater than makes up for the price of the annual payment.
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Associated: 3 the reason why the Marriott Bonvoy Boundless is well worth the $95 annual payment
What credit score rating do you should get the Marriott Bonvoy Boundless Credit score Card?
Customers with good or glorious credit score, or anybody with a FICO rating of 670 or increased, usually tend to be accredited for the Marriott Bonvoy Boundless. Nevertheless, getting accredited with a rating outdoors this vary is actually doable.
Many different components go into qualification past your credit score rating, together with your revenue and the age of your credit score accounts. One other vital issue usually forgotten is your relationship with the financial institution.
For instance, should you’ve been a longtime Chase buyer and have giant balances in your banking accounts, reviews recommend that you could have higher approval odds, particularly should you apply in-branch.
Associated: What is an efficient credit score rating?
What number of card accounts can I’ve open?
Like most Chase bank cards, the Marriott Bonvoy Boundless is topic to Chase’s 5/24 rule.
That implies that should you’ve opened 5 or extra bank cards within the final 24 months (throughout all issuers however excluding most enterprise playing cards), Chase will robotically reject your utility.
Whereas there is not any arduous restrict on the entire variety of card accounts you may have open, should you’ve opened too many accounts within the final two years, it would work towards you.
You may additionally must deal with just a few Marriott-specific utility restrictions earlier than you may get accredited for the Marriott Bonvoy Boundless card. These guidelines heart on whether or not you’ve got just lately had different Marriott playing cards issued by both Chase or Amex.
Particularly, you aren’t eligible to carry the Marriott Bonvoy Boundless or earn a welcome bonus on it if the next apply:
Associated: Free nights and simple standing: This is why I’ve 3 Marriott Bonvoy bank cards
Find out how to examine your credit score rating
There are a lot of methods to examine your credit score rating without cost. For instance, some bank cards provide free entry to your FICO rating.
You too can simply open accounts on websites like Credit score Karma or Credit score Sesame. These websites are free and can assist you retain even higher observe of your rating and its components.
Moreover, you should utilize these companies to dispute any info in your rating that is not correct or seems to be fraudulent.
TPG e-newsletter and partnerships editor Emily Thompson makes use of Credit score Karma and appreciates the common, automated updates when her rating modifications and the alerts every time a brand new inquiry seems on her credit score report.
Associated: Find out how to examine your credit score rating without cost
Components that have an effect on your credit score rating
Earlier than you apply for any bank cards, it is important to know the components that make up your credit score rating. In spite of everything, the mere act of making use of for brand new strains of credit score will change your rating.
Whereas the precise components for calculating your credit score rating is not public, FICO is clear about what components go into its calculation:
- Cost historical past: 35% of your FICO rating is made up of your fee historical past. You may enhance this a part of your rating by making funds on time. Latest and prolonged late funds will hurt your credit score rating essentially the most.
- Quantities owed (credit score utilization): 30% of your FICO rating consists of the relative measurement of your present debt. Specifically, your credit score utilization is the entire of your money owed divided by the entire quantity of credit score that you have been prolonged throughout all accounts. Many individuals declare that it is best to maintain your credit score utilization beneath 30%, but it surely’s not a magic quantity.
- Size of credit score historical past: 15% of your rating is predicated on the common size of all accounts in your credit score historical past. This turns into a major issue for these with a restricted credit score historical past, resembling younger adults, latest immigrants and anybody who has prevented credit score. It will also be an element for individuals who open and shut accounts inside a really quick interval.
- New credit score: Your most up-to-date accounts decide 10% of your credit score rating. Having just lately opened too many accounts can damage your rating, because the scoring fashions could interpret this as an indication of doable monetary misery. The variety of latest credit score inquiries additionally components into this.
- Credit score combine: 10% of your rating is said to what number of various kinds of credit score accounts you could have. Whereas having a bigger mixture of varieties of loans is best than having fewer, do not take out pointless loans simply to spice up your credit score rating.
One essential issue to think about is your common age of accounts. Whereas a lengthier credit score historical past will enhance your rating, many issuers give attention to the one-year cutoff. Having a mean age of accounts of greater than a yr can go a good distance towards rising your odds of approval. You might need bother getting accredited with 11 months of credit score historical past, even when your numerical credit score rating is great.
Lastly, in case your credit score report reveals any delinquencies or bankruptcies, Chase would possibly hesitate to approve you for a brand new line of credit score even when your rating is in any other case strong.
It is essential to keep in mind that your credit score profile is greater than only a quantity. It is a assortment of data given to the issuer to research your creditworthiness.
Associated: 5 methods to make use of bank cards responsibly
What to do should you’re rejected
One of many worst errors folks make is giving up after they’re rejected for a bank card.
In case you obtain a rejection letter, the very first thing it is best to do is have a look at the explanations given in your rejection. By legislation, card issuers should ship you a written or digital communication explaining what components prevented you from being accredited.
As soon as you’ve got discovered why you’ve got been rejected, name Chase’s reconsideration line. Inform the individual on the cellphone that you just just lately utilized for the Bonvoy Boundless and had been shocked to see that your utility was rejected; ask to talk with somebody about getting that call reconsidered.
From there, it is as much as you to construct a case and persuade the Chase agent on the cellphone why you deserve the Bonvoy Boundless.
In case you had been rejected for having too quick a credit score historical past, you might level to your stellar file of on-time funds. In case you had been rejected for missed funds, you might clarify that these had been a very long time in the past, and your file since then has been good.
After all, there is not any assure that this can work, but it surely may very well be price an try. On the finish of the day, it is price spending quarter-hour on the cellphone if it’d show you how to get the cardboard you need.
Associated: 8 the reason why your bank card utility was denied
Backside line
The Marriott Bonvoy Boundless is interesting as a result of it provides an annual free evening certificates and Marriott elite standing shortcuts, all for an annual payment below $100.
When you do not want good credit score to get the Marriott Bonvoy Boundless Credit score Card, you sometimes want a great rating of no less than 670. However, relating to making use of for Marriott bank cards, you usually must be extra fearful concerning the issuer-specific utility restrictions than about having a excessive sufficient credit score rating.
To study extra, take a look at our full evaluation of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit score Card
