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Compare the Features and Benefits of Marriott Bonvoy Bold Credit Card and
The Platinum Card® from American Express

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
Grants Hotel Status
Earns Transferable Points
Trip Protections
Secondary Car Rental CDW Waiver
Purchase Protection
Extended Warranty
Travel and Emergency Assistance Services
No Foreign Transaction Fees
No Fees for Authorized Users
Free Access to Credit Score
Airport Lounge Access
Annual Statement Credits
Grants Car Rental Status
Global Entry / TSA PreCheck Reimbursement
Return Protection
Cell Phone Protection
Has No Preset Spending Limit
Concierge Services
Metal Card
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
Grants Hotel Status
yes
Earns Transferable Points
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Extended Warranty
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Airport Lounge Access
no
Annual Statement Credits
no
Grants Car Rental Status
no
Global Entry / TSA PreCheck Reimbursement
no
Return Protection
no
Cell Phone Protection
no
Has No Preset Spending Limit
no
Concierge Services
no
Metal Card
no
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
See Pay Over Time APR
Balance transfers fees
-
Best Multiplier
5x Airfare

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5x Hotels

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) 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

In many ways, the American Express Platinum card is the crème de la crème of premium travel rewards credit cards. There are not only a laundry list of embedded perks — from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection — but this card also can provide serious value in the form of statement credits with partner merchants. You can see the full list of benefits above.

Truth be told, it may require some work to fully maximize the card’s many perks but it shouldn’t be difficult to recoup at least some, if not all, of the card’s $695 annual fee (Rates and Fees).

An overhaul of the Platinum in 2021 showed Amex wanted to expand this card well beyond travel. While it’s unlikely the Platinum will ever fully shed its decades-long roots in the travel sphere, Amex also hopes to play a role at the top of your wallet whether you are at home or away.

Of course, on the travel front, the card still earns 5X on airfare purchased directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year), 5X on prepaid hotels, provides the most access to lounges of any card issuer, and has built-in travel protections and elite-status perks. This is on top of all the other relatively-recent lifestyle benefit additions — from Uber credits, Equinox credits, preferred restaurant reservations with Resy, and much, much more.

airfare-the-platinum-card-from-american-express

 

A few notes you need to know:

Amex now has language restricting you from getting the bonus on this Card if you have or have had this card OR have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards.

Additional Platinum cards are $195 each.

If you want an Authorized User card with none of the benefits, that is still available as the “Companion Platinum Card.” They will simply be able to make charges that post to your account.

Bottom Line:

While the Platinum is a solid choice for most cardholders looking to level up their travel experience, consider other options from both Chase and Capital One including the $550-per-year Chase Sapphire Reserve and $395-per-year Capital One Venture X credit card.

Rates and Fees for the The Platinum Card® from American Express

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

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