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Marriott Bonvoy has a big and numerous credit 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. Nonetheless, the Marriott Bonvoy Boundless® Credit Card (see rates and fees) is fashionable with many vacationers since it’s proper in the midst of the pack when it comes to charges, perks and rewards.
For those who’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 payment of $95 a 12 months.
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 motels 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 status and 15 elite night time credit a 12 months that can assist you qualify for the next tier. You probably have a Marriott enterprise card, these elite night time credit can 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 motels have resort charges.
Our valuations place this free night time certificates at a worth of $245, which greater than makes up for the price of the annual payment.
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Associated: 3 reasons why the Marriott Bonvoy Boundless is worth the $95 annual fee
What credit score rating do that you must get the Marriott Bonvoy Boundless Credit score Card?
Shoppers with good or glorious credit score, or anybody with a FICO rating of 670 or greater, usually tend to be authorised for the Marriott Bonvoy Boundless. Nonetheless, getting authorised with a rating outdoors this vary is definitely potential.
Many different elements go into qualification past your credit score, together with your earnings and the age of your credit score accounts. One other important issue usually forgotten is your relationship with the financial institution.
For instance, if you happen to’ve been a longtime Chase buyer and have giant balances in your banking accounts, reviews counsel that you’ll have higher approval odds, particularly if you happen to apply in-branch.
Associated: What is a good credit score?
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 if you happen to’ve opened 5 or extra bank cards within the final 24 months (throughout all issuers however excluding most business cards), Chase will mechanically reject your software.
Whereas there is no laborious restrict on the full variety of card accounts you may have open, if you happen to’ve opened too many accounts within the final two years, it’ll work towards you.
You will additionally have to take care of a couple of Marriott-specific application restrictions earlier than you may get authorised for the Marriott Bonvoy Boundless card. These guidelines heart on whether or not you have just 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 easy status: Here’s why I have 3 Marriott Bonvoy credit cards
Easy methods to verify your credit score rating
There are lots of methods to verify your credit score rating at no cost. For instance, some bank cards provide free entry to your FICO rating.
You may also simply open accounts on websites like Credit Karma or Credit Sesame. These websites are free and might help you retain even higher monitor of your rating and its elements.
Moreover, you should utilize these providers to dispute any info in your rating that is not correct or seems to be fraudulent.
TPG publication and partnerships editor Emily Thompson makes use of Credit score Karma and appreciates the common, computerized updates when her rating adjustments and the alerts every time a brand new inquiry seems on her credit score report.
Associated: How to check your credit score for free
Components that have an effect on your credit score rating
Earlier than you apply for any bank cards, it is important to grasp the elements 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 elements go into its calculation:
- Fee 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 measurement 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’ve got been prolonged throughout all accounts. Many individuals declare that it is best to maintain your credit score utilization beneath 30%, however it’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 big issue for these with a restricted credit score historical past, corresponding to young adults, latest immigrants and anybody who has averted credit score. It will 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 just lately opened too many accounts can harm your rating, because the scoring fashions might interpret this as an indication of potential monetary misery. The variety of latest 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. Whereas having a bigger mixture of forms of loans is best 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 concentrate on the one-year cutoff. Having a mean age of accounts of greater than a 12 months can go a good distance towards growing your odds of approval. You may need hassle 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 reveals 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 stable.
It is necessary to keep in mind that your credit score profile is greater than only a quantity. It is a assortment of knowledge given to the issuer to research your creditworthiness.
Associated: 5 ways to use credit cards responsibly
What to do if you happen to’re rejected
One of many worst errors folks make is giving up once they’re rejected for a bank card.
For those who obtain a rejection letter, the very first thing you need to do is have a look at the explanations given in your rejection. By regulation, card issuers should ship you a written or digital communication explaining what elements prevented you from being authorised.
As soon as you have discovered why you have been rejected, name Chase’s reconsideration line. Inform the individual on the telephone that you simply just lately utilized for the Bonvoy Boundless and had been stunned 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 telephone why you deserve the Bonvoy Boundless.
For those who had been rejected for having too quick a credit score historical past, you can level to your stellar file of on-time funds. For those who had been rejected for missed payments, you can clarify that these had been a very long time in the past, and your file since then has been good.
In fact, there is no assure that this can work, however it could possibly be price an try. On the finish of the day, it is price spending quarter-hour on the telephone if it would allow you to get the cardboard you need.
Associated: 8 reasons why your credit card application was denied
Backside line
The Marriott Bonvoy Boundless is interesting as a result of it presents an annual free night certificate and Marriott elite standing shortcuts, all for an annual payment below $100.
When you do not want good credit score to get the Marriott Bonvoy Boundless Credit score Card, you usually want a great rating of at the very least 670. However, relating to making use of for Marriott bank cards, you usually have to be extra frightened concerning the issuer-specific software restrictions than about having a excessive sufficient credit score rating.
To study extra, take a look at our full evaluation of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit Card