Marriott Bonvoy Daring Credit score Card overview
The Marriott Bonvoy Daring® Credit score Card (see charges and charges) is Marriott’s entry-level private cobranded bank card. This no-annual-fee product presents a solution to earn Marriott Bonvoy factors and provides cardholders a jump-start on reaching elite standing. Nonetheless, frequent Marriott visitors are higher off with a card that costs an annual charge and presents extra perks. Card ranking*: ⭐⭐½
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Marriott Bonvoy Daring is the one no-annual-fee card within the Marriott Bonvoy household.
As they are saying, you get what you pay for, and that’s true relating to bank cards, too. Consequently, the Bonvoy Daring sacrifices some incomes potential and well-liked advantages to compensate for the dearth of an annual charge in comparison with its higher-priced counterparts.
Nonetheless, this generally is a nice possibility for somebody simply entering into journey who desires to get pleasure from the advantages of Marriott Silver Elite standing throughout resort stays.
We advocate a credit score rating of at the very least 670 for the very best approval probability.
Right here’s what else you might want to know in regards to the card if you wish to apply.
Marriott Bonvoy Daring execs and cons
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Marriott Bonvoy Daring welcome supply
New Marriott Bonvoy Daring cardholders can earn two free evening awards (valued at as much as 50,000 factors every) after spending $1,000 on purchases within the first three months from account opening. (Sure motels have resort charges.)
TPG’s January 2026 valuations peg Marriott Bonvoy factors at 0.7 cents every, making this bonus value as much as $700 when you absolutely max out every free evening award (for a complete welcome bonus of 100,000 factors).
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To be eligible, it’s essential to:
Cobranded Marriott playing cards have notoriously complicated eligibility necessities, and the Bonvoy Daring is not any exception. Earlier than making use of, be sure you test your eligibility, as these necessities sometimes require you to not maintain one other Marriott cobranded card or have acquired a welcome bonus on one other Marriott cobranded card for a sure time period.
Associated: The final word information to bank card software restrictions
Marriott Bonvoy Daring advantages
The Marriott Bonvoy Daring card comes with computerized Silver Elite standing. This standing features a 10% bonus on factors earned throughout stays, complimentary in-room Wi-Fi, precedence late checkout and a reservation assure.
The cardboard additionally comes with 5 elite evening credit per 12 months. These elite evening credit will help you progress to the next standing stage, offering extra helpful perks when staying at Marriott properties.
As well as, cardholders obtain the next advantages:
- Baggage delay insurance coverage: You may get reimbursed as much as $100 every day for as much as 5 days for eligible important purchases when there’s a baggage delay of over six hours
- Automotive rental insurance coverage: Protection for collision harm or theft once you decline the rental firm’s collision insurance coverage
- Concierge: Visa Signature concierge service is obtainable 24 hours a day that will help you guide leisure tickets, make dinner reservations and extra
- Prolonged guarantee: For objects with lower than three years of guarantee, you possibly can lengthen a producer’s U.S. guarantee by one further 12 months for as much as 4 years from the date of buy
- Misplaced baggage reimbursement: You’re coated as much as $3,000 per coated traveler ($2,000 for New York residents, as much as $10,000 for all coated vacationers) in case your or a direct member of the family’s checked or carry-on baggage is broken, misplaced or stolen throughout a coated journey
- No international transaction charges
- Buy safety: This covers your new purchases for 120 days (90 days for New York residents) towards harm or theft (as much as $500 per merchandise)
- Journey delay reimbursement: In case your flight is delayed greater than 12 hours or requires an in a single day keep, you’ll be coated as much as $500 per coated traveler for unreimbursed bills, similar to meals and resort prices
It’s uncommon to seek out no-annual-fee bank cards providing baggage and journey delay protection, making the Marriott Bonvoy Daring extra enticing for vacationers who pay for journey.
Cardholders can even use Chase Pay Over Time on purchases of $100-$5,000 made immediately with an airline or Marriott Bonvoy resort. (Entry to Pay Over Time will not be assured and is predicated on components similar to account conduct, creditworthiness and credit score restrict.)
Associated: Must you get journey insurance coverage in case you have bank card safety?
Incomes factors on the Marriott Bonvoy Daring
The Marriott Bonvoy Daring earns:
Keep in mind that the three factors per greenback you earn on Marriott resort stays are along with the factors you earn by way of the Bonvoy program. Between the ten base factors and the ten% bonus from Silver Elite standing, you’ll earn as much as 14 complete factors per greenback spent on eligible Bonvoy resort stays with the Bonvoy Daring card. This equates to a 9.8% return on spending based mostly on TPG’s January 2026 valuations.
It’s value mentioning that these incomes charges don’t examine favorably to any of the opposite Marriott Bonvoy bank cards. All the opposite Marriott playing cards supply larger incomes charges on each Marriott stays and on a regular basis spending (and a few have a couple of different bonus classes).
When you have a normal journey bank card, such because the Chase Sapphire Most popular® Card (see charges and charges) or the Capital One Enterprise Rewards Credit score Card, you’ll be higher off utilizing a kind of playing cards for many journey purchases.
Associated: Your full information to incomes Marriott Bonvoy factors
Redeeming factors on the Marriott Bonvoy Daring
As is the case with Bonvoy playing cards, Bonvoy Daring included, you’ll sometimes get probably the most worth out of your factors once you use them for award stays at eligible Bonvoy motels.
A pleasant profit to redeeming Marriott factors for award stays is that you just’ll get a fifth evening free at eligible properties, saving you 20% on five-night stays.
Freshmen who might not have huge factors balances for redemptions can even benefit from Marriott’s Money + Factors redemption choices, the place you need to use factors to pay for a part of your resort keep and money for the remaining.
TPG lead author Katie Genter spent 5 nights at Le Meridien N’Fis in Marrakech, Morocco, for simply 52,500 Marriott Bonvoy factors by benefiting from the “Keep for five, Pay for 4” function.
Associated: How I plan to redeem greater than 800,000 Marriott Bonvoy factors
Transferring factors on the Marriott Bonvoy Daring
In contrast to many different hotel-branded playing cards, the Bonvoy Daring has respectable switch choices. You’ll be able to switch your Marriott factors to a powerful listing of almost 40 airline companions, sometimes at a 3:1 ratio.
That is not often the very best redemption possibility, however it may be helpful to prime off factors or miles balances with airline applications with no different switch companions, similar to Saudia Alfursan.
Associated: Must you switch resort factors to airline companions?
Which playing cards compete with the Marriott Bonvoy Daring?
If you need extra Marriott Bonvoy perks or want completely different rewards, think about one in all these options:
For extra choices, see our listing of the very best Marriott Bonvoy bank cards and the very best resort bank cards.
Associated: Marriott Bonvoy Daring vs. Marriott Bonvoy Boundless: Which newbie Marriott card is greatest for you?
Is the Marriott Bonvoy Daring value it?
Since there’s no annual charge to justify, freshmen might discover sufficient worth within the Bonvoy Daring’s computerized Silver Elite standing to make the cardboard worthwhile. Nonetheless, anybody who stays at Marriott properties frequently and is keen to pay an annual charge is best off utilizing their Chase 5/24 slot for a Marriott card with extra strong advantages.
Backside line
Whereas the Marriott Bonvoy Daring presents some respectable worth for freshmen, you’ll possible get extra worth from different journey bank card choices, particularly once you have a look at the total lineup of Marriott Bonvoy playing cards.
These different playing cards supply rewards charges and extra perks that greater than make up for his or her annual charges. Nonetheless, true freshmen (and possibly these towards including one other annual charge to their wallets) might discover stable worth within the Bonvoy Daring.
Whereas it’s not probably the most rewarding card in the marketplace, it may be a helpful entry level into the Marriott Bonvoy program, particularly for these seeking to keep away from annual charges.
Apply right here: Marriott Bonvoy Daring
For charges and charges of the Hilton Honors Amex Card, click on right here.
