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Compare the Features and Benefits of Marriott Bonvoy Bold Credit Card and
Capital One Venture X Business

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
Secondary Car Rental CDW Waiver
Extended Warranty
No Foreign Transaction Fees
No Fees for Authorized Users
Grants Hotel Status
Trip Protections
Travel and Emergency Assistance Services
Purchase Protection
Free Access to Credit Score
Has No Preset Spending Limit
Airport Lounge Access
Annual Statement Credits
Does Not Report Credit Line to Personal Credit Profile
Global Entry / TSA PreCheck Reimbursement
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 Airfare
2x Transit
2x Car Rentals
1x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer

Get 30,000 bonus Marriott Bonvoy points after you spend $1,000 in your first 3 months

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 15 elite night credits, 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.

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 travel purchases, including airfare and non-Marriott accommodations, 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
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Grants Hotel Status
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
Purchase Protection
yes
Free Access to Credit Score
yes
Has No Preset Spending Limit
no
Airport Lounge Access
no
Annual Statement Credits
no
Does Not Report Credit Line to Personal Credit Profile
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) 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

The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Plaza Premium and Priority Pass lounge access, Capital One Lounges, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Grants Hotel Status
no
Trip Protections
no
Travel and Emergency Assistance Services
no
Purchase Protection
no
Free Access to Credit Score
no
Has No Preset Spending Limit
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes

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