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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 option to earn Marriott Bonvoy factors and provides cardholders a jump-start on attaining elite standing. Nonetheless, frequent Marriott visitors are higher off with a card that fees an annual payment and presents extra perks. Card score*: ⭐⭐½
*Card score relies 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 standard advantages to compensate for the dearth of an annual payment in comparison with its higher-priced counterparts.
Nonetheless, this generally is a nice choice for somebody simply stepping into journey who needs to get pleasure from the advantages of Marriott Silver Elite standing throughout resort stays.
We advocate a credit score rating of at the least 670 for the most effective approval likelihood.
Right here’s what else you have to know concerning the card if you wish to apply.
Marriott Bonvoy Daring professionals and cons
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Marriott Bonvoy Daring welcome provide
New Marriott Bonvoy Daring cardholders can earn two free night time 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 accommodations 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 for those who absolutely max out every free night time award (for a complete welcome bonus of 100,000 factors).
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To be eligible, you need 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 examine your eligibility, as these necessities sometimes require you to not maintain one other Marriott cobranded card or have obtained a welcome bonus on one other Marriott cobranded card for a sure time period.
Associated: The final word information to bank card utility 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 night time credit per yr. These elite night time credit can assist you progress to the next standing degree, offering extra precious 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 day by 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 injury or theft once you decline the rental firm’s collision insurance coverage
- Concierge: Visa Signature concierge service is out there 24 hours a day that will help you e book leisure tickets, make dinner reservations and extra
- Prolonged guarantee: For gadgets with lower than three years of guarantee, you may lengthen a producer’s U.S. guarantee by one extra yr 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 right away 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) in opposition to injury 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, corresponding 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 engaging for vacationers who pay for journey.
Cardholders may also 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 relies on elements corresponding to account conduct, creditworthiness and credit score restrict.)
Associated: Do you have to get journey insurance coverage when 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 the Bonvoy program. Between the ten base factors and the ten% bonus from Silver Elite standing, you’ll earn as much as 14 whole factors per greenback spent on eligible Bonvoy resort stays with the Bonvoy Daring card. This equates to a 9.8% return on spending primarily based 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 provide larger incomes charges on each Marriott stays and on a regular basis spending (and a few have a number of different bonus classes).
If in case 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 essentially the most worth out of your factors once you use them for award stays at eligible Bonvoy accommodations.
A pleasant profit to redeeming Marriott factors for award stays is that you simply’ll get a fifth night time free at eligible properties, saving you 20% on five-night stays.
Freshmen who might not have huge factors balances for redemptions may also reap the benefits of 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 remainder.
TPG lead author Katie Genter spent 5 nights at Le Meridien N’Fis in Marrakech, Morocco, for simply 52,500 Marriott Bonvoy factors by profiting 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 possibly can switch your Marriott factors to a formidable listing of practically 40 airline companions, sometimes at a 3:1 ratio.
That is not often the most effective redemption choice, however it may be helpful to high off factors or miles balances with airline packages with no different switch companions, corresponding to Saudia Alfursan.
Associated: Do you have to switch resort factors to airline companions?
Which playing cards compete with the Marriott Bonvoy Daring?
If you need extra Marriott Bonvoy perks or choose completely different rewards, take into account one in every of these alternate options:
For extra choices, see our listing of the most effective Marriott Bonvoy bank cards and the most effective 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 payment to justify, rookies 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 usually and is keen to pay an annual payment is healthier 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 rookies, you’ll doubtless 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 provide rewards charges and extra perks that greater than make up for his or her annual charges. Nonetheless, true rookies (and perhaps these in opposition to including one other annual payment to their wallets) might discover strong worth within the Bonvoy Daring.
Whereas it’s not essentially the most rewarding card available on the market, it may be a helpful entry level into the Marriott Bonvoy program, particularly for these trying 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.
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