Chase · Visa · personal · Marriott Bonvoy
Review the linked sources below for offer details and eligibility.
Earning
| Marriott (Hotels (booked direct))
Chase wording: '3 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy'. Chase advertises 'up to 14X total' = 3X card + up to 10X Bonvoy member base points + 1X Silver Elite bonus on paid stays; only the card's 3X is filed here.
|
3x | 2.55% |
| Groceries (supermarkets)
Chase wording: 'grocery stores'. No annual cap (Upgraded Points 2026-03-12).
|
2x | 1.7% |
| Phone, internet, cable
Chase wording: 'internet, cable, and phone services'.
|
2x | 1.7% |
| Streaming services
Chase wording: 'select streaming services'.
|
2x | 1.7% |
| Rideshare
Chase's rewards-category wording is 'taxicabs and limousines' (marketed as 'rideshare'); this is the merchant code Uber and Lyft use, and traditional taxis qualify too. Filed as rideshare rather than transit because public transit, parking and tolls do not earn the bonus.
|
2x | 1.7% |
| Food delivery apps
Chase wording: 'select food delivery services' - purchases made directly with DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless, and Delivery.com. Merchant left null because the bonus spans seven named merchants (DoorDash, Uber Eats and Grubhub exist in the taxonomy and resolve to this category; Caviar, Postmates, Seamless and Delivery.com do not have merchant keys).
|
2x | 1.7% |
| Everything else
Chase wording: '1 point for each $1 spent on all other purchases'.
|
1x | 0.85% |
Right column: value per $ at travel valuation (0.85¢/pt).
Credits
None.
Benefits
- No annual fee
- No foreign transaction fees
- Automatic Marriott Bonvoy Silver Elite status — Granted each calendar year while the account is open: 10% Elite bonus points on stays, priority late checkout (based on availability), complimentary Wi-Fi at participating hotels.
- 5 Elite Night Credits every calendar year — 5 Elite Night Credits toward the next Marriott Bonvoy Elite tier each calendar year (reduced from 15 in the July 2024 relaunch). Elite Night Credits post from only one Marriott personal card per year even if you hold several.
- Pay Yourself Back on airfare and Marriott stays — Redeem Marriott Bonvoy points for a statement credit against airline tickets purchased directly with airlines or Marriott Bonvoy hotel stays at 12,500 points per $100 (0.8 cents per point), up to $750 in redemptions per year (Chase card page).
- Chase Pay Over Time for travel (no fee) — Split qualifying airline and Marriott hotel purchases of $100-$5,000 into equal monthly payments with no interest and no plan fee (Chase press release 2024-07-11; Chase card page).
- 12 months complimentary DashPass + $10 off quarterly — 12 months of DashPass (DoorDash and Caviar) when first activated with this card by 12/31/2027; auto-renews at the then-current rate unless cancelled. Also up to $10 off one non-restaurant DoorDash order each quarter through 12/31/2027 - a checkout discount, not a Chase statement credit.
- Marriott Bonvoy airline transfers — Marriott Bonvoy points transfer to 40+ airline programs at 3:1 (Upgraded Points 2026-08-06); a 5,000-mile bonus for every 60,000 points transferred improves the effective rate to about 2.4:1 (The Points Guy).
- Auto rental collision damage waiver (secondary in U.S.) — Reimbursement for theft and collision damage on most rental vehicles when you decline the rental company's CDW and pay with the card; secondary to personal auto insurance in the U.S.
- Purchase protection — Covers eligible new purchases for 120 days (90 days for NY residents) against damage or theft, up to $500 per item.
- Extended warranty protection — Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less (up to four years total).
- Trip delay reimbursement — Up to $500 per covered traveler for unreimbursed expenses such as meals and lodging when a common-carrier trip is delayed more than 12 hours or requires an overnight stay.
- Baggage delay insurance — Up to $100 a day for up to 5 days for essential purchases when checked baggage is delayed more than 6 hours.
- Lost luggage reimbursement — Up to $3,000 per covered traveler for checked or carry-on luggage that is lost or damaged (NY residents: $2,000 per bag, $10,000 per trip).
- Travel accident insurance — Up to $500,000 accidental death or dismemberment coverage when air, bus, train or cruise fare is charged to the card.
- Roadside dispatch (pay-per-use) — 24/7 dispatch for towing, jump starts, lockouts; service fees are billed to the card at the time of dispatch.
- Visa Signature Concierge — 24/7 complimentary concierge for dining, tickets and travel planning; cardmember pays for any goods or services.
- Chase Credit Journey — Free credit score and monitoring alerts.
Protections
| purchase protection | 120 days (90 days NY), up to $500 per item against damage or theft |
| extended warranty | +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total) |
| trip delay | Up to $500 per covered traveler when a common-carrier trip is delayed 12+ hours or requires an overnight stay |
| baggage delay | Up to $100/day for up to 5 days when checked baggage is delayed 6+ hours |
| lost luggage | Up to $3,000 per covered traveler (NY residents: $2,000 per bag, $10,000 per trip) |
| rental car | secondary |
| roadside | Roadside dispatch (service fees billed to the card at time of dispatch) |
| travel accident | Up to $500,000 accidental death or dismemberment (common carrier fare charged to the card) |
Notes
Card relaunched 2024-07-11 (Chase press release): 2X categories became grocery stores, rideshare, select food delivery, select streaming and internet/cable/phone (previously 2X on non-Marriott travel), Marriott earn is 3X (up to 14X total), Elite Night Credits dropped from 15 to 5 per year (USCCG dates the reduction to 2025 for existing cardholders), and fee-free Chase Pay Over Time for $100-$5,000 travel purchases was added; annual fee stayed $0 and the protections were unchanged (Upgraded Points 2026-03-12). No anniversary free night and no statement credits. The 2026 Boundless airline-credit promotion is NOT on the Bold (Chase's Marriott comparison page shows it only under Boundless). Trip cancellation/interruption is not listed on Chase's benefits page. APR 19.24%-27.74% variable (WalletHub 2026-08-11; Chase page shows the same floor with a 29.99% penalty ceiling). Chase 5/24 applies. Bonus restrictions (Chase): not available if you currently hold, or received a new-cardmember bonus in the last 24 months on, the specified Chase Marriott cards; also blocked if in the last 30 days you held the Marriott Bonvoy Amex, in the last 90 days were approved for the Marriott Bonvoy Business/Brilliant/Bevy Amex, or in the last 24 months received a new-cardmember or upgrade bonus on those Amex cards. Points do not expire as long as the Bonvoy account has activity every 24 months.
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10