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Compare the Features and Benefits of Marriott Bonvoy Bold Credit Card and
Delta SkyMiles® Reserve American Express Card

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
Trip Protections
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Purchase Protection
Extended Warranty
No Foreign Transaction Fees
Free Access to Credit Score
Grants Hotel Status
Earns Transferable Points
No Fees for Authorized Users
Airport Lounge Access
Annual Statement Credits
Free Checked Bags
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Cell Phone Protection
Return Protection
Concierge Services
Metal Card
Amex Offers
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
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
No Fees for Authorized Users
yes
Airport Lounge Access
no
Annual Statement Credits
no
Free Checked Bags
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Cell Phone Protection
no
Return Protection
no
Concierge Services
no
Metal Card
no
Amex Offers
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.68) 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 are many reasons why frequent Delta flyers look toward the carrier’s top product: the Delta Reserve card with a $650 annual fee. This rewards card provides outstanding benefits when you’re flying Delta, but be prepared to pay a pretty penny.

First and foremost, you can get complimentary access to the Delta Sky Club, The Centurion Lounge, or Escape Lounge locations when presenting a same-day boarding pass with Delta Air Lines, giving you ample space to rest up, grab a meal or a drink, and get work done in the airport. While guest access isn’t included, you can bring up to two guests for a $50 per-person rate, or you can cash in your two guest passes that you’ll be awarded every card membership year.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

family, hike, travel

The annual companion certificate can also save you hundreds of dollars on Delta flights, as it’s eligible for round trip domestic, Caribbean, or Central American roundtrip flights in any class of service including First Class.

You’ll just need to pay the government imposed taxes and fees of less than $80 for domestic and $250 for international round trips — a steal for a second ticket on Delta Air Lines.

Furthermore, Delta SkyMiles Reserve cardholders receive unmatched status boost benefits for those who can meet the certain benchmarks.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns $1 MQD (Medallion Qualifying Dollars) for every $10 spent on eligible purchases with your Card – plus a $2,500 MQD boost each calendar year just for holding the Card.

The Delta Reserve card is also popular for elites as it provides upgrade priority over other Medallion members at the same status tier. Two elite members may be on the same elite status level, but with the Delta Reserve credit card, you’ll get higher priority on the upgrade list — which can mean all the difference in a sea of elite members.

And you’ll also receive up to $560 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card (Enrollment Required) and up to $200 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

You may be thinking that the Delta Reserve card is only targeted for those chasing Delta’s frequent flyer status. However, you may be surprised to find that the Delta SkyMiles Reserve card is also a fantastic choice for those without status but who want elite-like benefits.

Case in point: you and up to eight companions on the same reservation can bring your first checked bag free. And you can still get access to complimentary seat upgrades, although you’ll be placed on the bottom of the list after Medallion members.

There’s a long list of benefits that also come with the Delta Reserve card, such as the statement credit for Global Entry/TSA PreCheck, 15% award discount when redeeming for SkyMiles flights and travel and purchase protection benefits.

Simply put: it’s a huge step-up for Delta loyalists.

Rates and Fees for the Delta SkyMiles® Reserve American Express Card

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Grants Hotel Status
no
Earns Transferable Points
no
No Fees for Authorized Users
no
Airport Lounge Access
yes
Annual Statement Credits
yes
Free Checked Bags
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
Return Protection
yes
Concierge Services
yes
Metal Card
yes
Amex Offers
yes

Learn more about these cards today

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