Marriott Bonvoy Bountiful Benefits, Credits & Annual Fee

• 85,000 Marriott Bonvoy points

  $4,000 net purchases First 3 months from account opening Not available to current Bountiful cardholders or prior Bountiful bonus recipients within 24 months. Bonus excludes listed Amex Marriott/SPG personal and business cards held within 30 days, acquired within 90 days, or bonused/upgraded within 24 months. Named cards: Bonvoy Amex, SPG, Bonvoy Business, SPG Business, Brilliant, SPG Luxury, Bevy. Account open/not in default; closure before 6 months may claw back bonus. Excludes cash equivalents, transfers, gambling, fees and interest.

  Checked Oct 14, 2026Source

• Monthly Instacart Credit$10 / moTrackableEnrollment required

  Receive $10 back each month toward Instacart purchases, adding up to $120 per year. The credit applies automatically when you pay with your card on eligible orders through the Instacart app or website.

  Resets: MonthlyChecked May 20, 2026

Travel Benefits

• Free Night Award Points Top-Off

  Add up to 25,000 Marriott Bonvoy points to a Free Night Award to book a room requiring more points than the award covers. Apply the award and points together when booking a participating hotel. Certain hotels charge resort fees, which the award does not cover.

  Checked Sep 28, 2026
• Annual Free Night Award via SpendingTrackableMin spend $15,000

  Once you reach $15,000 or more in purchases in a calendar year, receive a free night award redeemable at participating Marriott Bonvoy properties at or under 50,000 points. Aggregate calendar-year spend; not a single-charge minimum.

  Resets: Calendar yearChecked Sep 14, 2026

Hotel Status

• Gold Elite StatusEnrollment required

  Simply holding the card grants you Marriott Bonvoy Gold Elite status automatically, with no minimum nights required. Gold Elite perks include a 25% bonus on points earned during stays, room upgrades, and late checkout when available - equivalent to what members earn by staying 25 nights per year.

  Checked Sep 28, 2026
• Elite Night Credits

  Each year you hold the card, 15 Elite Night Credits are automatically added to your Marriott Bonvoy account - no hotel stays required. These credits count toward earning or maintaining higher status tiers like Platinum or Titanium, and they stack with credits from a Marriott business card.

  Checked May 20, 2026

Rental Car

• Car Rental Loss and Damage Insurance

  Pay for your entire car rental with this card and decline the rental company's collision coverage to receive protection against theft or damage to the vehicle. Coverage is secondary to any personal auto insurance you already carry, and certain vehicle types or countries may not be covered.

  Checked May 20, 2026

Travel Insurance

• Trip Delay Reimbursement

  If your trip is delayed for a covered reason, you can be reimbursed for necessary out-of-pocket expenses such as meals or lodging. Pay for your travel with this card to be eligible, and note that a minimum delay period typically must pass before coverage kicks in.

  Checked May 20, 2026
• Baggage Insurance Plan

  When you buy your common carrier ticket with this card, you and immediate family members traveling with you are covered if luggage is lost, damaged, or stolen. Coverage limits differ depending on whether the bag is checked or carry-on.

  Checked May 20, 2026

Bonus Earnings

• Refer a Friend Rewards

  Earn rewards for referring friends who are approved for a Marriott Bonvoy credit card from Chase. Share your referral link with friends and have them apply through it. A referral alone is not enough; your friend must be approved for a qualifying card.

  Checked Sep 28, 2026
• 6x Points on Marriott Bonvoy Hotel Purchases6x points

  Earn 6 Marriott Bonvoy points per dollar on purchases at participating Marriott Bonvoy hotels. Use the card at check-in or for any charges billed directly by the hotel to earn at this rate. Only properties in the Marriott Bonvoy program qualify.

  Checked Sep 30, 2026
• 4x Points at Restaurants and Grocery4x points

  Earn 4 Marriott Bonvoy points per dollar at restaurants and grocery stores, applied to combined spending across both categories up to $15,000 per calendar year. Spending beyond that cap earns the base 2 points per dollar rate.

  Checked Sep 30, 2026
• 2x Points on All Other Purchases2x points

  Earn 2 Marriott Bonvoy points per dollar on everyday purchases that don't fall into a higher bonus category. This base rate applies automatically with no spending cap.

  Checked Sep 30, 2026
• Bonus Points on Each Eligible Stay1,000 pts / yr

  Earn an extra 1,000 Marriott Bonvoy points on each eligible stay at participating hotels and resorts when you pay with this card. The bonus is awarded per stay - not per night - and only applies at properties in the Marriott Bonvoy program.

  Checked Sep 28, 2026
• Base Earn Rate on All Other Purchases2 pts / yr

  Earn 2 points per dollar on all eligible purchases that don't qualify for a higher bonus category. There's no cap on how much you can earn at this base rate.

  Checked Sep 30, 2026
• Base Earning Rate2 pts / yr

  Every purchase that doesn't qualify for a higher earning category earns 2 Marriott Bonvoy points per dollar. This rate applies automatically with no annual spending cap.

  Checked Sep 30, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  Use your card for purchases made abroad or in foreign currencies without paying any extra transaction fees. The full purchase amount is charged with no surcharge added.

  Checked May 20, 2026
• Complimentary Instacart+ MembershipEnrollment required

  Get a complimentary 3-month Instacart+ membership, which includes free delivery on orders over $35 and reduced service fees. You must activate it through Instacart before December 31, 2027, or the offer will expire unused.

  Checked May 20, 2026