Marriott Bonvoy Bountiful Payoff Calculator 2026

Card data, May 13, 2026

• Issuer: Chase
• Network: Visa Signature
• Purchase APR: 20.99-27.99% variable
• Annual fee: $250
• Rewards: 6x Bonvoy points at participating Marriott hotels, 4x at U.S. grocery stores and dining (on first $15,000 combined annually, then 2x), 2x everything else
• Point value baseline: roughly 0.84 cents per Bonvoy point in median redemptions; aspirational redemptions can reach 1.5-2 cents per point
• Free Night Award: one annual Free Night Award (up to 50,000 points value) on cardholder anniversary
• Automatic Marriott status: Gold Elite
• Balance transfer: standard variable APR applies, 5% transfer fee, $5 minimum; no 0% intro promo offered
• Late fee: up to $40
• Foreign transaction fee: 0%
• Penalty APR: up to 29.99%
• Minimum payment formula: 1% of statement balance plus interest and fees, $40 floor (per Chase Schumer box)
• Typical FICO floor: 720

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

TL;DR

The Bountiful is a hotel co-brand priced for frequent Marriott guests. The Free Night Award is the centerpiece of the value proposition; 6x at Marriott amplifies it for heavy spenders. For revolvers, hotel-points rewards at sub-2-cent valuations cannot offset 20%+ APR.

Math worked example

$4,000 balance at 24.49% APR (midpoint of range):

• $150 per month: 37 months to payoff, $1,765 interest, total cost $5,765 plus 3 annual fees ($750) = $6,515
• $200 per month: 24 months to payoff, $1,148 interest, total cost $5,148 plus 2 fees ($500) = $5,648
• $300 per month: 15 months to payoff, $670 interest, total cost $4,670 plus 1 fee ($250) = $4,920
• Minimum payment only (about 1% plus interest): 20 plus years and over $6,500 in interest, per the CARD Act time-to-payoff disclosure under TILA Regulation Z

Annual fee math: the Free Night Award certificate redeems at properties costing up to 50,000 points per night. At the 0.84 cent baseline, that is $420 of value, against a $250 fee. Net positive $170 if you actually use the certificate; net negative $250 if it expires unused.

Run your specific Bountiful numbers

The pillar tool accepts the Marriott Bountiful purchase APR. Enter your specific rate from your most recent Chase statement (under “Purchase APR”). The output shows months to payoff, total interest, and total cost.

Add $250 per year of holding to the calculator output to account for the annual fee.

Point value math: why hotel co-brand redemptions are tricky

Marriott points operate on a dynamic award chart since 2022. A standard room at a Category 5 property can cost 25,000-40,000 points depending on date. The Points Guy May 2026 monthly valuation places Bonvoy points at 0.84 cents each baseline.

For a $4,000 spend at the 6x Marriott category, you earn 24,000 points. At baseline value: $202 in rewards. At a peak-value aspirational redemption (a 50,000-point night at a hotel priced $1,000+ cash): higher per-point value, but only if you would have paid cash for that specific stay otherwise.

Comparison to a no-fee 2% cashback card on the same $4,000: $80 cashback, no annual fee. The Bountiful only wins for users actually staying at Marriott properties and using the Free Night Award.

Avalanche priority

The Bountiful APR (20.99-27.99%) overlaps with most mid-tier travel co-brands. If your specific rate is 24% or higher, the card likely lands at the top of your avalanche method priority list. Pull the exact APR from your statement and compare against your other cards.

Why Chase does not offer 0% balance transfers on this card

Per the Chase Schumer box, the Bountiful does not advertise an intro 0% APR balance transfer. Hotel co-brand cards generally do not run transfer promos because their target audience is brand loyalists, not balance-shoppers. To move a Bountiful balance, transfer to a dedicated balance transfer card (Chase Slate Edge, Citi Diamond Preferred, BankAmericard) at a different issuer.

On a $4,000 balance at 24.49%:

• Status quo: $1,148 interest, 24 months
• Transfer to 18-month 0% APR with 3% fee ($120 fee): $4,120 total cost, paid in 18 months at $229 per month. Savings: $1,028.

Free Night Award redemption rules

The annual Free Night Award certificate is valid for one year from issuance and can be used at any property costing up to 50,000 points per night. You can top off with up to 15,000 of your own points to reach a 65,000-point property. The certificate cannot be used for taxes, resort fees, or stays under cash rates.

The CFPB has flagged hotel-points expiration as a consumer concern in its credit card market reports. Set a calendar reminder 60 days before expiration.

Should you keep Bountiful during payoff?

If you have one Marriott stay planned in the next 12 months, the Free Night Award alone justifies the $250 fee. If your travel pattern has shifted away from Marriott, downgrade to the no-annual-fee Marriott Bonvoy Bold (Chase typically allows product change without a hard pull) or the $95-fee Marriott Bonvoy Boundless during the payoff period.

Bountiful vs Boundless vs Brilliant

Chase issues three Marriott Bonvoy consumer cards: Bold ($0 fee, no Free Night), Boundless ($95 fee, 35,000-point Free Night), Bountiful ($250 fee, 50,000-point Free Night). The Bountiful’s incremental $155 in annual fee over Boundless buys a 15,000-point uplift in certificate value, roughly $126 at baseline, which means Bountiful is only worth it if you also value the 4x grocery and dining earn category (Boundless does not have it).

Sibling Chase travel cards

• Chase Sapphire Preferred payoff calculator
• Chase Sapphire Reserve payoff calculator
• World of Hyatt payoff calculator
• British Airways Visa payoff calculator

Other Marriott Bonvoy options

• Amex Marriott Bonvoy Bevy payoff calculator

Related

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

Frequently asked questions

What is the APR on the Marriott Bonvoy Bountiful Card?

The variable Purchase APR is 20.99-27.99% as of May 13, 2026 per the Chase pricing page. Your specific APR was set at application based on credit profile and the prime rate published by the Federal Reserve H.15 release. The rate floats with prime: a one-point prime increase raises your APR by one point. Check your most recent statement under “Purchase APR” for your exact figure.

Is the $250 annual fee on the Bountiful worth it?

The Free Night Award certificate (up to 50,000 points) is the headline justification. At The Points Guy May 2026 baseline of 0.84 cents per Bonvoy point, that certificate is worth roughly $420. If you use the certificate annually, you net $170 positive on the fee. Add the 6x category at Marriott, automatic Gold Elite status, and the 25-elite-night credit, and frequent Marriott guests come out ahead. Infrequent guests do not.

Can I do a balance transfer to the Bountiful Card?

Chase does not advertise a 0% intro APR balance transfer offer on the Bountiful. Transfers incur the standard variable purchase APR (20.99-27.99%) plus a 5% transfer fee with a $5 minimum, per the Chase Schumer box. For balance transfers, use a dedicated transfer card such as Chase Slate Edge or Citi Diamond Preferred from a different issuer.

Are Marriott Bonvoy points worth more than cashback?

Bonvoy points redeem at a median of about 0.84 cents each per the Points Guy May 2026 valuation. Peak aspirational redemptions (top-tier hotels priced at $1,000-plus per night that fall within the 100,000-point award band) can reach 1.5-2 cents per point. Cash back from a no-fee 2% card delivers fixed value with no expiration risk. Bonvoy wins only for users who would have paid cash at Marriott properties in the same booking window.

What credit score do I need for the Marriott Bountiful Card?

Chase typically requires a FICO score of 720 or higher for the Bountiful, and applicants are subject to the Chase 5/24 rule: applicants with five or more new credit card accounts opened in the past 24 months across all issuers are typically denied. The 5/24 rule applies to most Chase co-brand and rewards cards including the Marriott family, per public Chase application data tracked by consumer credit forums.