Marriott Bonvoy has a big and numerous 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 in style with many vacationers since it’s proper in the course 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 value noting, together with what credit score rating you have to get permitted.
Marriott Bonvoy Boundless overview
The Marriott Bonvoy Boundless carries a modest annual price 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 lodges 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. When you have a Marriott enterprise card, these elite evening credit could be stacked with these you get from your small business card.
Plus, you may get a free evening certificates value as much as 35,000 factors annually. Sure lodges 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 price.
Day by day E-newsletter
Reward your inbox with the TPG Day by day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Associated: 3 the explanation why the Marriott Bonvoy Boundless is well worth the $95 annual price
What credit score rating do you have to get the Marriott Bonvoy Boundless Credit score Card?
Customers with good or glorious credit score, or anybody with a FICO rating of 670 or greater, usually tend to be permitted for the Marriott Bonvoy Boundless. Nevertheless, getting permitted with a rating exterior this vary is definitely doable.
Many different elements go into qualification past your credit score rating, together with your revenue and the age of your credit score accounts. One other vital issue typically forgotten is your relationship with the financial institution.
For instance, in the event you’ve been a longtime Chase buyer and have massive balances in your banking accounts, experiences recommend that you might have higher approval odds, particularly in the event you apply in-branch.
Associated: What is an effective 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 signifies that in the event you’ve opened 5 or extra bank cards within the final 24 months (throughout all issuers however excluding most enterprise playing cards), Chase will mechanically reject your software.
Whereas there is not any onerous restrict on the entire variety of card accounts you possibly can have open, in the event you’ve opened too many accounts within the final two years, it is going to work towards you.
You may additionally must cope with a number of Marriott-specific software restrictions earlier than you may get permitted for the Marriott Bonvoy Boundless card. These guidelines heart on whether or not you’ve got 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 straightforward standing: Here is why I’ve 3 Marriott Bonvoy bank cards
Methods to verify your credit score rating
There are lots of methods to verify your credit score rating free of charge. For instance, some bank cards provide free entry to your FICO rating.
It’s also possible to simply open accounts on websites like Credit score Karma or Credit score Sesame. These websites are free and might help you retain even higher monitor of your rating and its elements.
Moreover, you need to use these companies 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, automated updates when her rating adjustments and the alerts every time a brand new inquiry seems on her credit score report.
Associated: Methods to verify 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 elements that make up your credit score rating. In spite of everything, the mere act of making use of for brand spanking new traces of credit score will change your rating.
Whereas the precise system for calculating your credit score rating is not public, FICO is clear about what elements go into its calculation:
- Fee historical past: 35% of your FICO rating is made up of your fee historical past. You possibly can enhance this a part of your rating by making funds on time. Latest 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 entire of your money owed divided by the entire quantity of credit score that you’ve got 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 relies 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, akin to younger adults, current immigrants and anybody who has prevented 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 lately opened too many accounts can harm your rating, because the scoring fashions might interpret this as an indication of doable monetary misery. The variety of current credit score inquiries additionally elements into this.
- Credit score combine: 10% of your rating is said to what number of various kinds of credit score accounts you’ve got. 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 think about 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 mean age of accounts of greater than a yr can go a great distance towards rising your odds of approval. You may need bother getting permitted 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 necessary 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 in the event you’re rejected
One of many worst errors individuals make is giving up once they’re rejected for a bank card.
In case you obtain a rejection letter, the very first thing you must do is have a look at the explanations given to your rejection. By legislation, card issuers should ship you a written or digital communication explaining what elements prevented you from being permitted.
As soon as you’ve got discovered why you’ve got been rejected, name Chase’s reconsideration line. Inform the particular person on the cellphone that you just lately utilized for the Bonvoy Boundless and have been shocked to see that your software 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 have been rejected for having too quick a credit score historical past, you can level to your stellar report of on-time funds. In case you have been rejected for missed funds, you can clarify that these have been a very long time in the past, and your report since then has been good.
After all, there is not any assure that it will work, but it surely could possibly be value an try. On the finish of the day, it is value spending quarter-hour on the cellphone if it would assist you to get the cardboard you need.
Associated: 8 the explanation why your bank card software was denied
Backside line
The Marriott Bonvoy Boundless is interesting as a result of it presents an annual free evening certificates and Marriott elite standing shortcuts, all for an annual price underneath $100.
When you do not want good credit score to get the Marriott Bonvoy Boundless Credit score Card, you usually want an excellent rating of a minimum of 670. However, in terms of making use of for Marriott bank cards, you typically should be extra anxious concerning the issuer-specific software restrictions than about having a excessive sufficient credit score rating.
To be taught extra, try our full overview of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit score Card
