What credit score do you need to get the Marriott Bonvoy Boundless Credit Card?
Editor's Note
Marriott Bonvoy has a large and diverse credit card portfolio, with options issued by both Chase and Amex.
Marriott Bonvoy credit cards range from no-annual-fee cards to premium cards. However, the Marriott Bonvoy Boundless® Credit Card (see rates and fees) is popular with many travelers since it is right in the middle of the pack in terms of fees, perks and rewards.
If you're considering applying for the Marriott Bonvoy Boundless, here are a couple of things worth noting, including what credit score you need to get approved.
Marriott Bonvoy Boundless overview
The Marriott Bonvoy Boundless has a modest annual fee of $95.
New cardholders can earn 125,000 bonus points and a free night award (valued at up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. Additionally, earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases through June 30, 2027. Certain hotels have resort fees.
As of July 2026, TPG values Marriott Bonvoy points at 0.8 cents each, making this offer worth up to $1,500, including the free night award and the statement credit.
The Marriott Bonvoy Boundless card comes with automatic Marriott Silver elite status and 15 elite night credits a year to help you qualify for a higher tier. If you have a Marriott business card, these elite night credits can be stacked with those you get from your business card.
Plus, you'll get a free night certificate worth up to 35,000 points each year. Certain hotels have resort fees.
Our valuations place this free night certificate at a value of $245, which more than makes up for the cost of the annual fee.
Related: 4 reasons why the Marriott Bonvoy Boundless is worth the $95 annual fee
What credit score do you need to get the Marriott Bonvoy Boundless Credit Card?
Consumers with good or excellent credit are more likely to be approved for the Marriott Bonvoy Boundless. However, getting approved with a score outside this range is certainly possible.
Many other factors go into qualification beyond your credit score, including your income and the age of your credit accounts. Another significant factor often forgotten is your relationship with the bank.
For example, if you've been a longtime Chase customer and have large balances in your banking accounts, reports suggest that you may have better approval odds, especially if you apply in-branch.
Related: What is a good credit score?
What application restrictions should you know about?
Like most Chase credit cards, the Marriott Bonvoy Boundless is subject to Chase's 5/24 rule.
That means that if you've opened five or more credit cards in the last 24 months (across all issuers but excluding most business cards), Chase will automatically reject your application.
While there's no hard limit on the total number of card accounts you can have open, if you've opened too many accounts in the last two years, it will work against you.
You'll also need to contend with a few Marriott-specific application restrictions before you can get approved for the Marriott Bonvoy Boundless card. These rules center on whether you've recently had other Marriott cards issued by either Chase or Amex.
Specifically, you are not eligible to hold the Marriott Bonvoy Boundless or earn a welcome bonus on it if the following apply:
- You are a current cardmember or earned a bonus for either the Marriott Bonvoy Boundless or Marriott Bonvoy Bold® Credit Card (see rates and fees) within the last 24 months.
- You applied and were approved for the Marriott Bonvoy Business® American Express® Card, Marriott Bonvoy Brilliant® American Express® Card or Marriott Bonvoy Bevy® American Express® Card within the last 90 days.
- You received a new cardmember bonus or upgrade bonus for the Marriott Bonvoy Business Amex, Marriott Bonvoy Brilliant or Marriott Bonvoy Bevy in the last 24 months.
These restrictions are separate from your credit score and can affect your eligibility even if you have excellent credit. Before applying, it's worth reviewing both Chase's approval rules and Marriott's card-specific eligibility requirements.
Related: Free nights and easy status: Here's why I have 3 Marriott Bonvoy credit cards
What to do if you're rejected
One of the worst mistakes people make is giving up when they're rejected for a credit card.
If you receive a rejection letter, the first thing you should do is look at the reasons given for your rejection. By law, card issuers must send you a written or electronic communication explaining what factors prevented you from being approved.
Once you've figured out why you've been rejected, call Chase's reconsideration line. Tell the person on the phone that you recently applied for the Bonvoy Boundless and were surprised to see that your application was rejected; ask to speak with someone about getting that decision reconsidered.
From there, it's up to you to build a case and convince the Chase agent on the phone why you deserve the Bonvoy Boundless.
If you were rejected because your credit history was too short, you could point to your stellar record of on-time payments. If you were rejected due to missed payments, you could explain that those were a long time ago and that your record since then has been perfect.
Of course, there's no guarantee this will work, but it could be worth a try. At the end of the day, it's worth spending 15 minutes on the phone if it might help you get the card you want.
Related: 8 reasons why your credit card application was denied
Bottom line
While there's no minimum credit score required for approval, applicants with good to excellent credit — generally a FICO score of 670 or higher — tend to have the best approval odds.
However, your credit score is only part of the equation. Chase also considers factors like your income, credit history and recent credit activity, while Marriott's card-specific eligibility rules and Chase's 5/24 policy can affect your approval even if you have excellent credit.
Before you apply, make sure you meet both the credit and eligibility requirements to give yourself the best chance of being approved.
To learn more about the card's benefits and ongoing value, check out our full review of the Marriott Bonvoy Boundless.
Apply here: Marriott Bonvoy Boundless Credit Card
Frequently Asked Questions
Applying for a new credit card can temporarily lower your credit score by a few points because of the hard inquiry on your credit report. Opening a new account can also reduce your average age of accounts, another factor that influences your score.
However, if you make your payments on time and keep your credit utilization low, your score can recover over time. In many cases, responsible credit card use can help strengthen your credit profile in the long run.
There are several ways to check your credit score for free. Many credit card issuers provide complimentary access to your FICO score through your online account, and free services like Credit Karma and Experian also let you monitor your credit and receive alerts when there are changes to your report.
Checking your own credit score won't hurt your credit, so it's a good idea to review it before applying for a new credit card.
TPG featured card
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Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.