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Compare the Features and Benefits of Marriott Bonvoy Bold Credit Card and
Bilt Mastercard®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Trip Protections
No Foreign Transaction Fees
Grants Hotel Status
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Purchase Protection
Extended Warranty
No Fees for Authorized Users
Free Access to Credit Score
Primary Car Rental CDW Waiver
Cell Phone Protection
Annual Fee
$0
Avg. Min. Credit Score
670-850
Ongoing APR
20.24%-27.24% (Variable)
Balance transfers fees
-
Best Multiplier
3x Hotels

Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.

2x Groceries
2x Streaming Services

Select Streaming services

2x Cable / Internet / VOIP Phone
1x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn 60,000 Points + 1 Free Night after spending $2,000 on eligible purchases within the first 3 months from account opening. 1 Free Night valued up to 50,000 points. Certain hotels have resort fees.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

There’s a Marriott credit card for everyone, and the Marriott Bonvoy Bold Credit Card is the most affordable one of the bunch. The main standouts of the card are that there’s no annual fee and no foreign transaction fees. Whether you’re a travel newbie or want to downgrade your Marriott Bonvoy Boundless Credit Card with a $95 annual fee, the Marriott Bonvoy Bold Credit Card is best for those wanting to avoid extra fees that come with other Marriott credit cards.

But when it comes to benefits, the Marriott Bonvoy Bold underperforms compared to its more expensive family members. It offers just 5 elite night credits (as compared to 15 with the Boundless, which qualifies you for entry-level Silver elite status in the Marriott Bonvoy program. At this level, you’ll be earning 10% bonus points on Marriott purchases and priority late checkout, which won’t move the needle for most travelers looking for real added-value benefits at hotels.

marriot-bonvoy-bold

On the flip side, the earning rate at Marriott presents quite a sizable return. Thanks to the complimentary Silver elite status, you’ll be earning 14x total points on purchases at hotels participating in Marriott Bonvoy in the following fashion: 10x points for holding a Marriott Bonvoy member account, 3x points with the Bonvoy Bold credit card, and 1x points for Silver elite members. Although still, with the Boundless card you’d earn 6X at Marriott and therefore 17X total points.

On everyday expenses, the rewards rate is less impressive as Marriott Bonvoy points aren’t as valuable as other loyalty currencies. We estimate that Marriott Bonvoy points are worth 0.6 cents each. In that sense, the Marriott Bonvoy Bold offers 2x points (1.2% return) on each dollar spent for select streaming, and internet, cable, and phone service purchases, and 1x (0.6% return) points on all other eligible purchases. You can certainly do much better with another travel rewards card or another Marriott Bonvoy credit card.

Although Marriott Bonvoy points have been devalued over the years, the good news is that they can be redeemed for Marriott’s enormous portfolio worldwide. As the largest hotel chain in the world, you’d be hard-pressed not to find a Marriott hotel no matter where you’re traveling. Another solid option of Marriott Bonvoy points is to transfer them at a 3:1 ratio to more than three dozen airline loyalty programs.

As a co-branded card with Chase, the Marriott Bonvoy Bold does excel in offering a number of travel and purchase protections, which can be quite valuable if you’re stuck in a travel emergency. Finally, card members can activate a DoorDash DashPass membership for one year, if enrolled by December 31, 2024. This can be a great way to save money on food delivery fees and find extra value from this no-annual-fee card.

In all, the Marriott Bonvoy Bold is not the most compelling option out there, but it provides two main purposes. First, if you need an introduction to the Marriott Bonvoy loyalty program but don’t want to pay an annual fee, this card can help you earn Marriott points on eligible purchases. Finally, this Chase card is a good downgrade option if you were thinking about canceling the Marriott Bonvoy Boundless Credit Card.

If you’re thinking about other options, be sure to compare the options in Marriott’s portfolio — there are 4 other cobranded cards to consider! If you’re searching for a general rewards card that will help you save on travel no matter the airline or hotel brand, the Capital One VentureOne Rewards Credit Card is a fantastic option. With no annual fee and no foreign transaction fees, the Capital One miles earned on the card are worth 1 cent each toward travel and more, or they can even be transferred to Capital One’s airline and hotel partners for more value.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Purchase Protection
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Primary Car Rental CDW Waiver
no
Cell Phone Protection
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Dining Out / Food Delivery
2x Airfare
2x Car Rentals
2x Hotels
2x Cruises
1x Rent
Avg. Point Value
(Learn More)
$0.018
Bonus Offer
There's no traditional bonus offer, but you'll be eligible for Rent Day double points on the 1st of every month (excluding rent).
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

What is Bilt?

The Bilt Mastercard® is the only credit card that lets you pay your rent with no transaction fees and earn one point per dollar in the process.

This works with any landlord, up to $100,000 in rent per year as long as you make 5 other purchases each statement period.

Alaska Airlines – a Bilt Rewards Transfer Partner (Image Courtesy: Alaska Airlines)

Bilt Transfer Partners

Bilt Transfer PartnersAll transfer at a 1:1 ratio except ALL. Transfer times below:
Alaska Airlines MileagePlanTBD
Aer Lingus AviosWithin 10 minutes
Air Canada AeroplanWithin 10 minutes
Air France Flying BlueWithin 10 minutes
Avianca LifemilesWithin 10 minutes
British Airways AviosWithin 10 minutes
Cathay Pacific AsiaMilesWithin 10 minutes
Emirates SkywardsWithin 10 minutes
Iberia AviosWithin 10 minutes
IHG RewardsWithin 10 minutes
Marriott BonvoyUp to 48 hours; generally within minutes. (5,000 point bonus when you transfer 20,000).
United Airlines MileagePlusWithin 10 minutes
Turkish Airlines Miles&SmilesWithin 10 minutes
TAP Miles&GoTBD
Virgin PointsWithin 10 minutes
World of HyattWithin 10 minutes
Accor Live Limitless (ALL)TBD - Note, transfer is 3:2

Rent Day

On the 1st of every month, Bilt Rewards has “Rent Day” – where you’ll earn double points on dining, travel and other purchases excluding rent and tax payments (up to 1,000 bonus points each Rent Day) on that one day.

On Rent Day, they also have other bonuses and giveaways, which may include status trials on an airline or hotel partner or a points transfer bonus.

Summary

Overall, this card is pretty much a “must have” for renters, since there is no other way to earn points – with no transaction fees – when paying your rent.

There is also no annual fee to hold the card and no Foreign Transaction Fees.

I have one myself and don’t see any reason for any renter not to have it.

Disclaimers

 

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
no
Secondary Car Rental CDW Waiver
no
Travel and Emergency Assistance Services
no
Purchase Protection
no
Extended Warranty
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
Primary Car Rental CDW Waiver
yes
Cell Phone Protection
yes

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