Points · Visa · $250 annual fee
Last verified 2026-09-09. Review issuer source
Chase Marriott Bonvoy Bountiful is a $250-a-year points card from Chase. Its best everyday rates are 4x on dining, and 4x on grocery stores; everything else earns 2x. There is also 18.5x on Marriott, a single-merchant rate. Dining is capped at $15,000 a year, then drops to the base rate. Rewards are Marriott Bonvoy points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $228, $22 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 85,000 points after $4,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Marriott Bonvoy often enough to use the perks. A general travel card earns points that go more places.
Cap: $15,000 per annual
Earn 4X points for every $1 on the first $15,000 in combined purchases each year on grocery stores and dining
Cap: $15,000 per annual
Earn 4X points for every $1 on the first $15,000 in combined purchases each year on grocery stores and dining
Up to 18.5X total points at Marriott - Earn 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bountiful™ credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 2.5X points from Marriott with Gold Elite Status, a benefit of being a Marriott Bonvoy Bountiful™ Cardmember.
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening
Receive 15 Elite Night Credits each calendar year. Restrictions apply.
Earn 1,000 Bonus Points per eligible stay at hotels participating in Marriott Bonvoy®.
You will automatically receive Gold Elite Status each account anniversary year as a cardmember.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
As a Marriott Bonvoy Bountiful™ Cardmember, you'll enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one night hotel stay at a property with a redemption level of up to 50,000 points. Certain hotels have resort fees. Free Night Awards start at 7,500 points.
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Covers your new purchases for 120 days against damage or theft up to $500 per claim, and $50,000 per account.
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Marriott Bonvoy Bountiful® Credit CardThis card · 4x on dining | $250 | $228 | −$22 | 1122nd of 1,291 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
