Offer analysis

The current offer on the Marriott Bonvoy Bountiful awards 85,000 points after spending $4,000 within 90 days of account opening.

Annual fee value

The $250 annual fee is partially offset by ongoing benefits including Gold Elite elite status (~$100), with an estimated total value of ~$100 per year.

In the first year, the sign-up bonus alone delivers approximately $445 in net value after the annual fee and benefit credits.

Application strategy

This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.

The Marriott cross-issuer restriction appears to apply based on current offer terms. Marriott Bonvoy cards are issued by both Chase and Amex, and your existing holdings, recent closures, and bonus history may affect eligibility. The specific restrictions differ depending on whether you're applying for a Chase or Amex card.

This card belongs to the marriott product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.