Marriott Bonvoy Boundless Payoff Calculator 2026

Card data, May 13, 2026

• Issuer: Chase Bank USA, N.A.
• Card type: Co-branded hotel credit card
• Network: Visa Signature
• APR: 21.24-28.24% variable on purchases and balance transfers
• Annual fee: 95 dollars
• Rewards: 6x Bonvoy points at Marriott properties; 3x on grocery and gas (first 6,000 combined per year); 2x other
• Points value: approximately 0.75 cents each in typical Marriott redemption
• Free anniversary night: 1 certificate per cardmember year, up to 35,000 points (roughly 260 dollar value)
• Intro APR: none
• Balance transfer fee: 5% (minimum 5 dollars)
• Late fee: up to 40 dollars
• Foreign transaction fee: 0%
• Status benefit: automatic Silver Elite Bonvoy status

Source: Chase Marriott Bonvoy Boundless terms, verified 2026-05-13.

Hotel card economics

Co-branded hotel cards are structured around the anniversary free night certificate. For the Boundless, that single benefit (worth 200-300 dollars at typical redemption values) more than offsets the 95 dollar annual fee for any cardholder who uses it. The rewards earning rates and elite status are secondary.

The math reverses for a revolver. A 5,000 dollar carried balance at 24.74% APR midpoint accrues roughly 100 dollars in interest per month, exceeding the free night value (260 dollars) within 3 months. The CFPB’s 2025 Consumer Credit Card Market Report documents the structural mismatch between rewards card economics and revolving balances.

Worked scenarios at the Marriott Boundless APR

Scenario 1: 5,000 dollar balance, 24.74% APR midpoint

• 200 per month: 32 months payoff, 1,365 dollars total interest
• 300 per month: 20 months payoff, 836 dollars total interest
• 400 per month: 14 months payoff, 608 dollars total interest

Scenario 2: 10,000 dollar balance, 24.74% APR midpoint

• 300 per month: 48 months payoff, 4,478 dollars total interest
• 500 per month: 25 months payoff, 2,289 dollars total interest
• 700 per month: 17 months payoff, 1,529 dollars total interest

Scenario 3: Annual fee compounds the cost

A 5,000 dollar balance at 200/month: 1,365 in interest plus 3 years of 95-dollar annual fees = 285 dollars. Total cost: 6,650 dollars versus the original 5,000 (33% cost). If you also do not redeem the anniversary night certificate during the payoff period, the net cost calculation is fully negative. If you do redeem the certificate at full 260-dollar value, net cost drops to 6,390 (still 28% cost).

The pillar tool accepts the Boundless APR range.

Rewards-versus-interest break-even

The 6x Bonvoy rate on Marriott spending at 0.75 cents per point translates to 4.5% effective rewards. At 24.74% APR midpoint, monthly interest is roughly 2.06 dollars per 100 of carried balance. The 4.5% rewards on new spending offsets carrying cost on roughly 200 dollars of carried balance for one month. For most cardholders, monthly rewards earned do not cover monthly carrying interest on a meaningful balance.

The 2x base rate on non-Marriott, non-grocery, non-gas spending is the more common rate for most cardholders. At 0.75 cents per point, that is 1.5% effective rewards, below the break-even of carried-balance interest at any APR over 18%.

The grace period forfeiture trap

Once a balance carries into a new cycle, all new purchases accrue interest from posting date (no grace period). For a Marriott Boundless holder optimizing the 6x rate at hotel stays during the payoff period, this means every dollar spent at Marriott also generates interest at the carrying APR. The headline 6x rewards rate becomes net negative after roughly 24 days of carrying a single dollar.

The behavioral conclusion: stop using the Boundless for new purchases until the balance reaches zero. Then resume paid-in-full usage to extract the rewards and anniversary night value.

Capture the anniversary night during payoff

The free anniversary night certificate posts roughly 8-10 weeks after each card anniversary date. Even during a debt payoff period, redeeming this certificate provides a 200-300 dollar value at no additional cost. Use it for a planned business or family stay at a Marriott property where a normal night would cost 25,000-35,000 points.

The certificate expires 12 months after issuance. Set a calendar reminder for 11 months out and use it before expiration regardless of debt situation.

Avalanche priority

The Marriott Boundless APR (21.24-28.24%) is mid-pack among Chase consumer cards. If your specific APR is 25%+, the Boundless is likely your highest-APR Chase card and warrants avalanche priority. If your stack includes other 27-29% cards (subprime Freedom Flex, Freedom Rise), those outrank the Boundless.

The debt avalanche method side-by-side walks through the prioritization for a mixed Chase stack.

Balance transfer alternative

The Marriott Boundless does not offer 0% intro APR on balance transfers. For consolidation:

• Wells Fargo Reflect: typically 21 months 0% on transfers, 5% fee
• Citi Diamond Preferred: typically 21 months 0%, 5% fee
• Chase Slate Edge: 18 months 0% (sibling Chase product, 3% fee in first 60 days)

On a 5,000 Boundless balance at 24.74% moved to Slate Edge at 0% for 18 months with 3% fee (150 dollars): paid in 18 months at 286/month, total cost 5,150 dollars. Status quo on Boundless: 5,000 + 836 in interest at 300/month over 20 months = 5,836. Savings: 686 dollars. The balance transfer calculator handles your specific numbers.

Downgrade option

Chase typically allows product change from Marriott Bonvoy Boundless to the Marriott Bonvoy Bold (no annual fee) without a hard pull. The downgrade saves 95 dollars per year. The trade-off: the Bold earns lower rates (3x Marriott, 2x other travel, 1x everything else) and does not include the free anniversary night.

For a cardholder no longer staying at Marriott often enough to use the anniversary night, the Bold downgrade is the cleaner economic choice during and after debt payoff.

Authoritative sources

• Chase Marriott Bonvoy Boundless Schumer box and terms, Chase Bank USA, N.A., verified 2026-05-13
• CFPB 2025 Consumer Credit Card Market Report, accessed 2026-05-13
• 15 U.S.C. § 1637 Truth in Lending Act, Cornell Law
• Federal Reserve H.15 Selected Interest Rates, accessed 2026-05-13

Sibling Chase co-brand cards

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• Chase Aeroplan payoff calculator

Related tools

• Credit card payoff calculator (home), pillar tool
• Credit card payoff by card type, full hub
• Balance transfer calculator
• Avalanche vs snowball method

Frequently asked questions

What is the APR on the Chase Marriott Bonvoy Boundless?

21.24-28.24% variable as of May 13, 2026, per the Chase Marriott Bonvoy Boundless pricing page. The 95 dollar annual fee applies to all cardholders. Foreign transaction fee is 0%, making this a useful card for international hotel stays. Your specific APR is set at application based on credit profile and the prime rate.

What is a Marriott Bonvoy point worth?

Marriott Bonvoy points typically redeem at roughly 0.75 cents each for hotel stays (some Marriott independent properties redeem higher; transient business hotels redeem lower). At that value, the 6x Marriott rewards rate translates to 4.5% effective rewards. The free anniversary night certificate (up to 35,000 points) is worth roughly 260 dollars at typical redemption values.

Is the 95 dollar annual fee worth it?

If you redeem the free anniversary night at a property requiring 25,000 to 35,000 points, the night value (200-300 dollars) significantly exceeds the 95 dollar fee. For paid-in-full users who stay at Marriott 2+ times per year, the fee is typically justified. For revolvers carrying a balance, the fee adds to interest cost and the math turns negative.

How long to pay off 5,000 dollars on Marriott Boundless?

At 24.74% APR midpoint and 200 dollars per month, payoff takes 32 months and costs about 1,365 dollars in interest. At 300 per month, 20 months and 836 dollars. At 400 per month, 14 months and 608 dollars. Plus 95 dollars in annual fee per year carried. Minimum payment only stretches past 17 years.

Should I close my Marriott Boundless during debt payoff?

Generally no. Closing removes available credit, raising utilization on other cards. Better option: stop using the card for new purchases, pay down the balance aggressively, and consider downgrading to the no-annual-fee Marriott Bonvoy Bold card (60 dollars saved annually plus no fee impact on average account age) once Chase confirms downgrade eligibility.