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 charges) is fashionable with many vacationers since it’s proper in the course of the pack when it comes to charges, perks and rewards.
In the event 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 that you must get authorised.
Marriott Bonvoy Boundless overview
The Marriott Bonvoy Boundless carries a modest annual price of $95 a yr.
New cardholders can earn 5 free night time awards (every night time valued at as much as 50,000 factors) after spending $5,000 on purchases within the first three months from account opening. Sure accommodations have resort charges.
As of June 2025, TPG values this bonus at $1,750.
The Marriott Bonvoy Boundless card comes with computerized Marriott Silver elite standing and 15 elite night time credit a yr that can assist you qualify for the next tier. You probably have a Marriott enterprise card, these elite night time credit could be stacked with these you get from your small business card.
Plus, you will get a free night time certificates price as much as 35,000 factors annually. Sure accommodations have resort charges.
Our valuations place this free night time certificates at a price of $245, which greater than makes up for the price of the annual price.
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Associated: 3 the explanation why the Marriott Bonvoy Boundless is well worth the $95 annual price
What credit score rating do that you must get the Marriott Bonvoy Boundless Credit score Card?
Customers with good or glorious credit score, or anybody with a FICO rating of 670 or larger, usually tend to be authorised for the Marriott Bonvoy Boundless. Nevertheless, getting authorised with a rating exterior this vary is actually potential.
Many different components go into qualification past your credit score rating, together with your earnings and the age of your credit score accounts. One other vital issue usually forgotten is your relationship with the financial institution.
For instance, when you’ve been a longtime Chase buyer and have massive balances in your banking accounts, studies counsel that you could have higher approval odds, particularly when 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 when 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 isn’t any laborious restrict on the full variety of card accounts you may have open, when you’ve opened too many accounts within the final two years, it would work in opposition to you.
You may additionally have to deal with a couple of Marriott-specific utility restrictions earlier than you will get authorised for the Marriott Bonvoy Boundless card. These guidelines heart on whether or not you’ve got not too long ago 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 straightforward standing: This is why I’ve 3 Marriott Bonvoy bank cards
How you can examine your credit score rating
There are various methods to examine your credit score rating free of charge. For instance, some bank cards provide free entry to your FICO rating.
You may also simply open accounts on websites like Credit score Karma or Credit score Sesame. These websites are free and might help you retain even higher observe of your rating and its components.
Moreover, you should utilize these providers to dispute any data 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, computerized updates when her rating modifications and the alerts every time a brand new inquiry seems on her credit score report.
Associated: How you can examine your credit score rating free of charge
Elements 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 traces 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 cost historical past. You may enhance this a part of your rating by making funds on time. Current and prolonged late funds will hurt your credit score rating probably the most.
- Quantities owed (credit score utilization): 30% of your FICO rating consists of the relative dimension of your present debt. Specifically, your credit score utilization is the full of your money owed divided by the full 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, corresponding to younger adults, current immigrants and anybody who has averted credit score. It may 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 not too long ago opened too many accounts can damage your rating, because the scoring fashions might interpret this as an indication of potential monetary misery. The variety of current 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 might have. Whereas having a bigger mixture of kinds of loans is healthier than having fewer, do not take out pointless loans simply to spice up your credit score rating.
One essential issue to contemplate is your common age of accounts. Whereas a lengthier credit score historical past will enhance your rating, many issuers deal with the one-year cutoff. Having a median age of accounts of greater than a yr can go a great distance towards rising your odds of approval. You may need bother getting authorised with 11 months of credit score historical past, even when your numerical credit score rating is superb.
Lastly, in case your credit score report exhibits any delinquencies or bankruptcies, Chase may hesitate to approve you for a brand new line of credit score even when your rating is in any other case strong.
It is vital to do not forget that your credit score profile is greater than only a quantity. It is a assortment of knowledge given to the issuer to investigate your creditworthiness.
Associated: 5 methods to make use of bank cards responsibly
What to do when you’re rejected
One of many worst errors folks make is giving up once they’re rejected for a bank card.
In the event you obtain a rejection letter, the very first thing you need to do is take a look at the explanations given on your rejection. By legislation, card issuers should ship you a written or digital communication explaining what components prevented you from being authorised.
As soon as you’ve got found out why you’ve got been rejected, name Chase’s reconsideration line. Inform the particular person on the cellphone that you simply not too long ago 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 the event you had been rejected for having too quick a credit score historical past, you could possibly level to your stellar document of on-time funds. In the event you had been rejected for missed funds, you could possibly clarify that these had been a very long time in the past, and your document since then has been good.
In fact, there isn’t any assure that this can work, but it surely might be price an try. On the finish of the day, it is price spending quarter-hour on the cellphone if it would enable you get the cardboard you need.
Associated: 8 the explanation why your bank card utility was denied
Backside line
When you do not want good credit score to get the Marriott Bonvoy Boundless Credit score Card, you sometimes want a very good rating of at the very least 670. However, with regards to making use of for Marriott bank cards, you usually must be extra frightened concerning the issuer-specific utility restrictions than about having a excessive sufficient credit score rating.
To study extra, try our full evaluate of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit score Card
