Marriott Bonvoy Daring Credit score Card overview
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Marriott Bonvoy Daring is the one no-annual-fee card within the Marriott Bonvoy household.
As they are saying, you get what you pay for, and that is true concerning bank cards, too. Consequently, the Bonvoy Daring sacrifices some incomes potential and in style advantages to compensate for the dearth of an annual price in comparison with its higher-priced counterparts.
Nonetheless, this is usually a nice possibility for somebody simply moving into journey who desires to reap the advantages of Marriott Silver Elite standing throughout lodge stays.
We suggest a credit score rating of at the very least 670 to have the most effective likelihood for approval.
This is what else that you must know concerning the card if you wish to apply.
Marriott Bonvoy Daring execs and cons
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Marriott Bonvoy Daring welcome provide
For a restricted time, new cardholders can earn 60,000 bonus factors plus one free night time award (valued at as much as 50,000 factors) after spending $2,000 within the first three months of account opening.
Based on TPG’s June 2025 valuations, these 60,000 factors and the free night time award are value as much as $770.
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This matches the very best welcome bonus we have seen on the cardboard, which was final provided slightly over two months in the past. In case you have been eyeing this card, now is a superb time to use for it.
Moreover, it is essential to notice that with a view to be eligible for approval, you have to:
Cobranded Marriott playing cards have notoriously complicated eligibility necessities, and the Marriott Bonvoy Daring additionally falls underneath them. Earlier than making use of, you should definitely test your eligibility, as these necessities usually require you to not maintain one other Marriott cobranded card or have obtained a welcome bonus on one other Marriott cobranded card for a sure time period.
Associated: The last word information to bank card software restrictions
Marriott Bonvoy Daring advantages
The cardboard additionally comes with 5 elite night time credit per 12 months. These elite night time credit may also help you progress to the next standing degree that gives extra useful perks when staying at Marriott properties.
Moreover, cardholders obtain the next advantages:
- Baggage delay insurance coverage: You will get reimbursed as much as $100 every day for as much as 5 days for eligible important purchases made due to a baggage delay over six hours.
- Misplaced baggage reimbursement: You are coated as much as $3,000 per passenger in case your or a direct member of the family’s checked or carry-on baggage is broken, stolen or misplaced by the service.
- Journey delay reimbursement: In case your flight is delayed greater than 12 hours or requires an in a single day keep, you may be coated as much as $500 per traveler for unreimbursed bills, similar to meals and lodge prices.
- Buy safety: This covers your new purchases for 120 days in opposition to injury or theft (as much as $500 per merchandise).
- Concierge: Visa Signature concierge service is offered 24 hours a day that will help you guide leisure tickets, make dinner reservations and extra.
It is uncommon to seek out no-annual-fee bank cards that provide baggage and journey delay protection, making the Marriott Bonvoy Daring extra enticing for vacationers who use it to pay for journey.
Associated: Must you get journey insurance coverage in case you have bank card safety?
Incomes factors on the Marriott Bonvoy Daring
The Marriott Bonvoy Daring earns:
Keep in mind that the three factors per greenback you earn on Marriott lodge stays are along with the factors you earn by way of the Bonvoy program. Between the ten base factors and the additional 10% from Silver Elite standing, you may earn as much as 14 complete factors per greenback spent on eligible Bonvoy lodge stays with the Bonvoy Daring card. This equates to a 9.8% return on spending primarily based on TPG’s June 2025 valuations.
It is value mentioning that these incomes charges do not examine favorably to any of the opposite Marriott Bonvoy bank cards. All the opposite Marriott playing cards provide increased incomes charges on each Marriott stays and on a regular basis spending (and a few have just a few different bonus classes).
In case you have a normal journey bank card, such because the Chase Sapphire Most popular® Card (see charges and charges) or the Capital One Enterprise Rewards Credit score Card, you may be higher off utilizing a type of playing cards for many journey purchases.
Associated: Your full information to incomes Marriott Bonvoy factors
Redeeming factors on the Marriott Bonvoy Daring
With Bonvoy bank cards, you may often get essentially the most worth out of your factors once you use them for award stays at eligible Bonvoy inns. That is definitely the case with the Bonvoy Daring.
A pleasant profit to redeeming Marriott factors for award stays is that you’re going to get a fifth night time free at eligible properties, saving you 20% on five-night stays.
Freshmen who could not have huge factors balances for redemptions also can make the most of Marriott’s Money + Factors redemption choices, the place you need to use factors to pay for a part of your lodge keep and use money to cowl the remainder.
Katie Genter, TPG’s senior factors and miles author, spent 5 nights at Le Meridien N’Fis in Marrakech, Morocco, for simply 52,500 Marriott Bonvoy factors by making the most of the “Keep for five, Pay for 4” characteristic.
Associated: Free nights and straightforward standing: Why I’ve 3 Marriott Bonvoy bank cards and pay over $1,200 in annual charges
Transferring factors on the Marriott Bonvoy Daring
In contrast to many different hotel-branded playing cards, the Bonvoy Daring has respectable switch choices.
You may switch your Marriott factors to a formidable checklist of practically 40 airline companions, usually at a 3:1 ratio. That is not often the most effective redemption possibility, however it may be helpful to high off factors or miles balances with airline packages that haven’t any different switch companions, similar to Korean Air SkyPass.
Plus, for each 60,000 factors you switch, you may obtain a 5,000-mile bonus with most companions.
Associated: Must you switch lodge factors to airline companions?
Which playing cards compete with the Marriott Bonvoy Daring?
If you need extra Marriott Bonvoy perks or desire totally different rewards, take into account one in every of these options:
For extra choices, see our checklist of the finest Marriott Bonvoy bank cards and the most effective lodge bank cards.
Associated: Marriott Bonvoy Daring vs. Marriott Bonvoy Boundless: Which newbie Marriott card is finest for you?
Is the Marriott Bonvoy Daring value it?
Since there isn’t any annual price to justify, inexperienced persons could discover sufficient worth within the Bonvoy Daring’s computerized Silver Elite standing to make the cardboard worthwhile. Nevertheless, anybody who stays at Marriott properties frequently and is keen to pay an annual price is healthier off utilizing their Chase 5/24 slot for a Marriott card with extra sturdy advantages.
Backside line
Whereas the Marriott Bonvoy Daring affords some respectable worth for inexperienced persons, you may doubtless get extra worth from different journey bank card choices, particularly once you have a look at the complete lineup of Marriott Bonvoy playing cards.
These different playing cards provide rewards charges and extra perks that greater than make up for his or her annual charges. Nevertheless, true inexperienced persons (and possibly these in opposition to including one other annual price to their wallets) may discover strong worth within the Bonvoy Daring.
Whereas it is not the most rewarding card available on the market, it may be a helpful entry level into the Marriott Bonvoy program, particularly for these seeking to keep away from annual charges.
Apply right here: Marriott Bonvoy Daring
For charges and charges of the Hilton Honors Amex Card, click on right here.
