Edited by: Keri Stooksbury
& Stella Shon
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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.
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:
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.
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.
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.
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.
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:
The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.
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.
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.
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.
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.
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
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.
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 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:
|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||
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.
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:
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.
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 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.
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.
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.
The Marriott Bountiful card offers 1,000 Marriott Bonvoy bonus points on eligible stays at Marriott hotels.
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:
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
Chase will waive fees and grant corresponding military benefits for the following individuals:
Spouses, domestic partners, and eligible dependents may also qualify for active-duty SCRA/MLA credit card benefits.
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:
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.
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.
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:
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:
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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.
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.
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.
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!
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.
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.
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.
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.
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.
Yes. Chase will waive credit card fees, including annual fees, for active-duty military on all Marriott Bonvoy-branded credit cards.
No, unfortunately, Chase does not waive credit card fees for veterans.
No, Chase only waives fees for active-duty military members on personal consumer credit cards.
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