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Chase Marriott Bonvoy Credit Card Benefits for Active-Duty U.S. Military Members [2024]

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If you’re an active-duty military member who stays at Marriott properties, you’re going to find value in our guide to the benefits of Chase’s Marriott Bonvoy credit cards.

Chase does a commendable job of providing military benefits on all of its consumer credit cards and fortunately, hotel-branded cards such as the Marriott Bonvoy cards are included in this policy.

The foundation for Chase’s military benefits is based on the Servicemembers Civil Relief Act of 2003 (SCRA) and the Military Lending Act (MLA) passed in 2006. We’ll elaborate on those acts shortly, but our focus in this article is how these benefits bring value to you, the active-duty servicemember, when you hold a Chase Marriott Bonvoy credit card.

Join us as we take a look at some of the best Chase-issued Marriott Bonvoy cards and the benefits you can expect to receive as a cardholder.

How Do the SCRA and MLA Work?

The SCRA and MLA were passed to help alleviate some of the financial stress that can accompany the sacrifices and commitment that come with military service.

Both acts cover a variety of financial transactions such as mortgages, car loans, and installment loans, and how any defaults on those transactions should be handled. In 2017, credit cards were added to the laws.

The SCRA covers credit acquired prior to active duty and the MLA applies to credit acquired during active duty.

Fundamentally, this is how the acts apply to credit cards:

  • Under the SCRA, interest rates on credit cards acquired prior to active duty are capped at 6%.
  • Under the MLA, interest rates are capped at 36% on credit cards acquired during active duty. This rate is referred to as the Military Annual Percentage Rate (MAPR) and applies to cards acquired after September 20, 2017.

How Chase Applies the Laws to Marriott Bonvoy Credit Cards

  • While the MLA caps interest rates at 6% for credit cards acquired prior to active duty, Chase uses a 4% cap.
  • While the MLA caps interest rates at 36%, which includes all credit card fees, Chase waives all credit card fees, including a card’s annual fee, to adhere to this requirement.

The waiver of credit card fees can be a significant money-saving benefit for active-duty military members. Chase will also waive annual fees for spouses, domestic partners, and eligible dependents.

Bottom Line:

Chase will waive credit card fees, including annual fees, on personal credit cards for active-duty military members, their spouses, domestic partners, and eligible dependents.

Potential Value of Chase Marriott Bonvoy Credit Card Benefits for Active-Duty Military Members

Up next, we’re going to look at all the key benefits of Chase Marriott Bonvoy credit cards and the potential value active-duty military members could receive.

Annual Fee Waiver

One key benefit of Chase Marriott Bonvoy credit cards for active-duty military members is that Chase will waive the card’s annual fee.

The annual fee for the Marriott Bonvoy Bountiful™ Credit Card is $250. The annual fee for the Marriott Bonvoy Boundless® Credit Card is $95. If you held either of these cards as an active-duty military member, you could save significantly on annual fees.

Earning Potential and Redemption Options

Marriott St Kitts Beach Club
Regardless of how you earn Marriott Bonvoy points, you’ll be able to redeem them for free hotel nights throughout the world. Marriott’s St. Kitts Beach Club. Image Credit: Marriott

There are several ways to earn and redeem valuable Marriott Bonvoy points with your Marriott Bonvoy-branded credit card. Let’s look at how spending on the cards, welcome offers, and referral bonuses can help you accumulate lots of Marriott Bonvoy points.

Then, we’ll take a look at how to best use your rewards when it comes time to redeem them.

The Value of a Welcome Offer

A credit card welcome offer is a great opportunity for you to jumpstart earning Marriott Bonvoy points.

While they can vary, one card’s welcome offer will generally give you enough points for several free hotel award nights after you meet the minimum spending requirement.

Be sure to check the most recent welcome offer before applying. Here are the current offers for 2 of the best Chase Marriott Bonvoy credit cards:

Marriott Bonvoy Bountiful™ Credit Card

Marriott Bonvoy Bountiful™ Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.

Learn More(at Chase's secure site)
The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
85,000 Bonus Points
$595
$250
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Marriott Bonvoy Bountiful™ Credit Card can help enhance your Marriott stays by offering automatic elite status, bonus points on paid stays, and Elite Night Credits, and it helps you earn more Marriott Bonvoy points on your day-to-day purchases.

Pros
    • Up to 18.5x points per $1 at hotels participating in Marriott Bonvoy
    • 4x points per $1 on dining and at U.S. supermarkets (on up to a combined $15,000 in purchases)
    • 2x points per $1 on all other purchases
    • Automatic Marriott Bonvoy Gold Elite status
    • 15 Elite Night Credits
    • 1,000 bonus points per paid Marriott stay
    • 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
    • No foreign transaction fees
Cons
  • $250 annual fee
  • Free Night Award certificate is not an automatic benefit
  • Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
  • Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy®
  • 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy®
  • Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
  • Earn 2X points per $1 spent on other travel purchases
  • Earn 2X points per $1 spent on all
    other purchases
  • Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
  • Enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one-night hotel stay at a property with a redemption level up to 50,000 points. Certain hotels have resort fees.
  • No Foreign Transaction Fees
Financial Snapshot
  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Learn More(at Chase's secure site)
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
$1,050
$95
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros
  • Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
Cons
  • $95 annual fee
  • Marriott Silver Elite Status is the lowest status tier
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Additionally, if you’re looking for a Marriott Bonvoy credit card with a $0 annual fee, the Marriott Bonvoy Bold® Credit Card is a good option.

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Learn More(at Chase's secure site)
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
60,000 points + 1 Free Night Award
$770
$0
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros
  • Up to 14x points per $1 on Marriott purchases
  • 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
  • 5 Elite Night Credits each year
Cons
  • Lower point earn rate than other Marriott Bonvoy cards
  • Marriott Bonvoy Silver Elite status is the lowest status tier
  • Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • New! Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
  • 1X point for every $1 spent on all other purchases.
  • New! Travel now, pay later – Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
  • No Foreign Transaction Fees.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Bottom Line:

Chase has 3 personal Marriott Bonvoy credit cards, all of which come with generous welcome offers that can be earned after meeting minimum spending requirements.

Referral Bonus Opportunities

Chase Marriott Bonovy Card Referral
Referring friends and family can help you earn a lot of Marriott Bonvoy bonus points. Image Credit: Chase

You can refer family or friends to a Chase Marriott Bonvoy credit card and once they’re approved, you’ll receive up to 40,000 Marriott Bonvoy bonus points for each referral. You can earn up to as many as 200,000 bonus points each year through card referrals.

If you were to refer just 2 people, you would earn 80,000 Marriott Bonvoy bonus points. We value Marriott Bonvoy points at ~0.7 cents each, so 80,000 Marriott Bonvoy points would be worth around $560 towards hotel stays.

Spending on the Chase Marriott Bonvoy Cards

Spending on your Marriott Bonvoy co-branded card can help you earn a significant amount of Marriott Bonvoy points.

Here’s how you’ll earn rewards on the 2 best Marriott Bonvoy credit cards:

SCROLL FOR MORE

Spending Category

Marriott Bountiful Card

Marriott Boundless Card

Marriott Properties

Up to 18.5x points at participating Marriott hotels 

Up to 17x points at participating Marriott hotels 

Grocery Stores, Dining, and Gas Stations

  • 4x points at grocery stores and dining, up to a total of $15,000 in combined purchases each year
  • 2x points at gas stations

3x points at grocery stores, dining, and gas stations, up to a total of $6,000 in combined purchases each year

All Other Purchases

2x points 

2x points

With the Marriott Bountiful card, you can earn up to 60,000 bonus points each year through grocery store and dining purchases ($15,000 x 4 points per dollar spent). Add in your other miscellaneous spending on the card and you’ll have enough rewards for several free hotel nights each year.

Hot Tip:

Watch your email for special spending offers on your Marriott Bonvoy card. Recent offers have included spending up to $1,500 on your card in a quarter to receive 5x points on purchases.

Redemption Options

Once you’ve accumulated a nice stash of Marriott Bonvoy points, you’ll be able to redeem your points in several ways.

Here are your options at redemption time:

Award Nights

You’ll normally get the best value with your points by redeeming for award nights. Your points will go even further as Marriott Bonvoy offers a fifth-night-free perk on award stays. This means that if you book a hotel that is 20,000 points per night, you’ll pay just 80,000 points for a 5-night stay instead of 100,000 points.

Award nights with Marriott start at just 5,000 points but you’ll pay much more at higher-end properties. If you don’t have enough points for a specific award night, you may be able to use a combination of cash and points on most bookings.

Transfer to Airline Partners

Although award nights are a great use of your rewards points, you also have the option to transfer Marriott Bonvoy points to airline partners. Marriott Bonvoy points generally transfer at a ratio of 3 points to 1 airline mile. If you transfer to airlines in 60,000-point increments, you’ll also receive a 5,000-mile bonus (for most partners).

For example, if you were to transfer 60,000 points, you would receive 20,000 miles plus a 5,000-mile bonus, for a total of 25,000 airline miles.

Additional Redemption Options

Additional redemption options include gift cards, merchandise, Marriott Bonvoy Moments, flights or car rentals, covering TSA PreCheck application fees, or charitable donations. Note that these options can result in a much lower value for your points compared to redeeming for award nights.

Hot Tip:

Read our in-depth guide on the best ways to redeem Marriott Bonvoy points where we show you some stellar redemption options, including luxury hotels and resorts.

Marriott Bonvoy-Specific Benefits

Family enjoying time together at Wailea Beach Resort Marriott
A Marriott Bonvoy credit card can enhance your vacation experience and save you money. Wailea Beach Resort – Marriott, Maui. Image Credit: Marriott

Some of the key benefits of having a Marriott Bonvoy credit card are Marriott-related perks.

The best Marriott Bonvoy benefits can be found on the Marriott Bountiful card and the Marriott Boundless card. Here are key benefits you’ll find on both cards.

Free Night Award

Each year you spend $15,000 on the Marriott Bountiful card you’ll receive a free night award worth up to 50,000 points.

With the Marriott Boundless card, you receive a free night award worth 35,000 points after each card anniversary. There is no required spending threshold to receive this benefit.

Free night awards are valuable and can make a Marriott Bonvoy credit card worth keeping even beyond active duty when you would be paying an annual fee.

Bonus Points for Each Stay

The Marriott Bountiful card offers 1,000 Marriott Bonvoy bonus points on eligible stays at Marriott hotels.

A Faster Path to Marriott Bonvoy Elite Status

The Marriott Bountiful card comes with complimentary Marriott Bonvoy Gold Elite status. The Marriott Bonvoy Boundless card comes with complimentary Marriott Bonvoy Silver Elite status, with the ability to earn Gold Elite status after spending $35,000 on the card in a calendar year.

Additionally, for every $5,000 you spend on the Marriott Boundless card, you’ll receive 1 additional elite night credit toward status.

Achieving elite status becomes even easier as a Marriott Bonvoy credit cardholder since the cards automatically give you 15 elite night credits each year. Here are the annual qualifications for each level:

  • Silver Elite — 10 nights
  • Gold Elite — 25 nights
  • Platinum Elite — 50 nights
  • Titanium Elite — 75 nights
  • Ambassador Elite — 100 nights plus $23,000 in spending (2023)

The 15 elite night credits you receive with your card count toward the status levels listed above. You can earn a maximum of 15 elite night credits each year by holding a Chase Marriott Bonvoy personal card, but if you also have a Marriott Bonvoy-branded business card, you can receive up to 15 additional elite night credits.

Silver Elite and Gold Elite status come with member-only hotel rates, late checkout, a fifth reward night free, complimentary Wi-Fi, and welcome offer points. Learn more about the benefits of each level of Marriott Bonvoy elite status in our comprehensive article.

Bottom Line:

Marriott-centric benefits on Chase personal Marriott Bonvoy credit cards can include free hotel night certificates, complimentary elite status, a faster path to higher-level elite status, and an automatic 15 elite night credits each year.

Travel Protections and Benefits

Lighted Gardens with Family Walking Japan
Marriott Bonvoy-branded Chase cards offer several travel protections and benefits. Image Credit: U.S. Marine Corps Sgt. Micha Pierce

When something goes wrong during your trip, it’s good to know you have backup travel protection. Additionally, travel benefits can add comfort to your trip and even save you money.

Here are the travel protections and benefits you’ll find on personal Chase Marriott Bonvoy credit cards.

Car Rental Insurance

Reserve and pay for your car rental with any Chase Marriott Bonvoy credit card, decline the rental agency’s CDW/LDW coverage, and receive coverage for damage and theft of the rental car. Coverage is secondary within the U.S. and primary when renting outside the country.

Secondary coverage means you must first file a claim with any other insurance that applies. Primary coverage means that you do not have to file a claim with any other company before card coverage kicks in. Exclusions and terms do apply.

CDW/LDW coverage can come at a significant expense when renting a vehicle. For example, if coverage costs $20 per day and you rent a car for just 10 days each year, you could save $200 a year.

Trip Delay Reimbursement

Use any personal Chase Marriott Bonvoy credit card to pay for your trip and if your trip is delayed more than 12 hours, for a covered reason, you could receive up to $500 per person. Coverage also applies to an overnight delay and includes reimbursement for incidentals, like accommodations or meals.

Baggage Insurance

If your baggage is delayed more than 6 hours, the Marriott Bold card and Marriott Boundless card may provide you with up to $100 per day, up to 5 days, for reimbursement for essentials with baggage delay insurance.

All Chase Marriott Bonvoy cards provide coverage If your baggage is lost, stolen, or damaged. You could receive up to $3,000 per person.

Roadside Dispatch

If you’re stranded roadside, just 1 call is all it takes to summon assistance 24/7. You’ll pay 1 low pre-negotiated service call fee to receive limited towing, emergency fuel delivery, lockout service, tire changing of an inflated spare, standard winching, and jumpstart service. All Chase Visa Marriott Bonvoy cards offer the coverage. Terms and limits apply.

No Foreign Transaction Fees

Chase Marriott Bonvoy credit cards do not charge foreign transaction fees. Normally these fees are ~3% of the total transaction.

If you were to make $2,000 in charges while traveling abroad, you would save $60.

Bottom Line:

Marriott Bonvoy-branded personal credit cards come with several travel protections and benefits including car rental insurance, trip delay reimbursement, baggage insurance, roadside dispatch, and no foreign transaction fees.

Shopping Protections and Benefits

Shopping protections can provide coverage should something go wrong with your purchase, while shopping benefits can save you money or allow you to earn more rewards points.

Here are the shopping protections and benefits offered on all Chase Marriott Bonvoy personal credit cards:

Purchase Protection and Extended Warranty

Purchase an eligible item with any Chase Marriott Bonvoy card and receive purchase protection coverage for up to 120 days from the purchase date for damage or theft, up to $500 per claim, up to $50,000 per year.

With extended warranty coverage, eligible items with a manufacturer’s warranty of 3 years or less, will have the product warranty extended for 1 additional year.

Complimentary DoorDash DashPass

Register for membership and link any personal Chase Marriott Bonvoy credit card to DoorDash by December 31, 2024, to receive a complimentary 12-month membership to DoorDash DashPass. The pass comes with free delivery and reduced fees on orders over $12. Normally, you would pay $9.99 per month for the membership.

Chase Offers

Marriott brand Chase Offers
Chase Offers can even include deals for Marriott properties! Image Credit: Chase

When you log into your Chase Marriott Bonvoy card account, you’ll have the option to add Chase Offers from select retailers and service providers to your card. Select the offers you’ll use, make the required purchase, and you’ll receive a subsequent statement credit.

Qualification and Requesting Benefits

There’s little doubt that a Marriott Bonvoy-branded credit card can add value for the active-duty service member and their family.

Let’s now look at who qualifies for military benefits, tips for applying for a Chase Marriott Bonvoy credit card, and how to request benefits once you’re approved for a card.

Who Qualifies for Military Benefits

Chase will waive fees and grant corresponding military benefits for the following individuals:

  • Active-duty military members
  • A reserve or full-time National Guard member on active duty
  • Active-duty commissioned officers of NOAA or the Public Health Service

Spouses, domestic partners, and eligible dependents may also qualify for active-duty SCRA/MLA credit card benefits.

How To Apply for a Chase Marriott Bonvoy Credit Card as an Active-Duty Military Member

MLA Website
The MLA website has access to DOD and DEERS databases. Image Credit: USA.gov

Once you’ve determined you’re qualified for Chase military benefits, you’re ready to apply for a Chase Marriott Bonvoy credit card. Here are some tips for facilitating that process:

  • Know Your Credit Score Before You Apply — To be approved for a Chase Marriott Bonvoy credit card you’ll need a good to excellent credit score, generally considered 670 or above. We recommend having a score of 700 or greater to increase your chances for approval.
  • Review the Chase 5/24 Rule — If you’ve opened more than 5 credit cards from any financial institution within the past 24 months, Chase may not approve you for a credit card. You’ll want to review the rule and how many accounts you’ve opened recently before applying for any card.
  • Verify Your Active-Duty Status — Before applying, you’ll want to check the Department of Defense database via the MLA website to validate that your active-duty status is showing in the database. For spouses and dependents who are applying for a card, you will check the Defense Enrollment Eligibility Reporting System (DEERS), also via the MLA website.

When completing the application, be sure to list the military as your income source as this can trigger Chase to automatically apply military benefits to your account (after validating your active-duty status). You will receive a confirmation letter if this happens.

How To Request Military Benefits (Do This After You’re Approved)

Chase SCRA Request
Sending a secure message via your Chase card account is the easiest way to request benefits. Image Credit: Chase

Once you’re approved for a Marriott Bonvoy credit card, you can apply for Chase military benefits. The best way to apply is via a secure message. Here’s how to complete the process.

  • Log into your Chase online card account.
  • In the upper left portion of the page, select Secure Messages from the menu, then select Secure Message.
  • Then select Servicemembers Civil Relief Act (SCRA) from the dropdown menu.
  • Complete your request and include your Marriott Bonvoy card account number.
  • Attach any supporting documents needed (active-duty verification letter, spouse/dependent documents, etc.).

If you have questions regarding Chase’s military benefits, there is a dedicated SCRA/MLA phone line to assist you. Call 877-469-0110 (8 a.m. to 10 p.m. Monday through Friday and 9 a.m. to 6 p.m. Saturday) or call collect at 318-340-3348 if you are out of the country.

You can also request benefits via mail. Be sure to include your account number, identification information, and supporting documents and mail to:

  • Chase, Attention: SCRA Request, P.O. Box 183240, Columbus, Ohio, 43218-3240
Bottom Line:

If you’re eligible for SCRA/MLA benefits, you’ll want to check your credit score and Chase’s 5/24 rule before applying for a Marriott Bonvoy credit card. You’ll also want to ensure your military records reflect your active duty status, and that you select the military option for your source of income on the card application. Once you’re approved, you can request SCRA/MLA benefits via secure message or mail.

Other Top Chase Credit Cards for Active-Duty Military

With Chase waiving the annual fee for active-duty military members, it can be a wise decision to open some of the best travel rewards cards available while you have access to SCRA/MLA benefits.

We’ve selected 2 of the best Chase travel rewards cards for your consideration:

Chase Sapphire Preferred® Card

GREAT STARTER CARD
Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

A popular travel rewards card for first-timers, the Chase Sapphire Preferred card is a card you can keep in your wallet well beyond your active-duty years.

Why We Like the Card for Active-Duty Military Members

Chase Sapphire Reserve®

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card, Chase’s flagship credit card, is loaded with premium travel benefits but also charges a higher annual fee. Fortunately, for active-duty military members, that fee is waived, allowing you to enjoy all those benefits without the added expense.

Why We Like the Card for Active-Duty Military Members

Hot Tip:

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card come with trip cancellation and trip interruption insurance. One of the covered reasons for applicable coverage is a change in military orders — a real plus for active-duty military members.

Final Thoughts

If you’re an active-duty military member who stays at Marriott properties, the benefits of a Chase Marriott Bonvoy credit card can be quite valuable. With elevated points earnings that help you earn award nights faster, complimentary elite status, and free night certificates, there’s plenty of value to be had, even for occasional stays.

During your active duty, you may open a Marriott Bonvoy-branded card with an annual fee that will be waived. Later on, it may be possible to downgrade to a card without an annual fee, if you prefer.

Regardless of your selection, having a Chase Marriott Bonvoy credit card is definitely worth it for those who want to earn free hotel nights and enhance their Marriott Bonvoy stays.

The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is a Chase Marriott Bonvoy credit card worth it for active-duty military members?

Yes. If you’re an active-duty military member who stays at Marriott properties, you’ll find a long list of benefits with Chase Marriott Bonvoy cards that provide value. You’ll be able to book Marriott properties for less out of pocket by earning free nights with the cards’ elevated points earnings, welcome offers, and free night certificates. The cards’ complimentary elite status provides benefits that can also make your stay more enjoyable.

Can I use Marriott Bonvoy points to book flights?

While you can’t book flights directly with Marriott Bonvoy points, you can transfer Marriott Bonvoy points to airline partners, generally at a 3:1 ratio. You would then be able to book award flights with airline miles you received.

Does Chase waive fees on Marriott credit cards for active-duty military members?

Yes. Chase will waive credit card fees, including annual fees, for active-duty military on all Marriott Bonvoy-branded credit cards.

Does Chase waive credit card fees on Marriott credit cards for veterans?

No, unfortunately, Chase does not waive credit card fees for veterans.

Does Chase waive fees for business credit cards for active-duty military members?

No, Chase only waives fees for active-duty military members on personal consumer credit cards.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

The Ultimate Lounge Playbook!

Discover the exact steps we use to get into 1,400+ airport lounges worldwide, for free (even if you’re flying economy!).

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