Highlights
- $0 annual fee, and no foreign transaction fee.
- Earn 3x Marriott Bonvoy points on eligible purchases at hotels participating in Marriott Bonvoy.
- Cardmembers automatically receive Silver Elite status each year, plus 5 Elite Night Credits.
Issuer: Chase
Payment network: Visa
Type: Credit card
Annual fee: $0
Foreign transaction fee: None
Rewards are Marriott Bonvoy points. After each billing cycle ends, Chase automatically transfers points into the linked Marriott Bonvoy account.
Welcome Offer
【September 13, 2026 update】 45,000 Marriott Bonvoy points:
- Spend at least $1,000 in eligible purchases within the first 3 months of account opening: 45,000 Marriott Bonvoy points.
- Current holders of specified Chase Marriott consumer cards, or anyone who received a new-cardmember bonus for a specified Chase Marriott consumer card in the past 24 months, are not eligible for this offer. Chase also sets eligibility limits based on holding, recent approval of, or bonus history on certain Marriott Bonvoy American Express cards.
- Eligible purchases exclude balance transfers, cash advances, cash-like transactions, gambling transactions, account checks, interest, fraudulent transactions, and fees of any kind. After you qualify, Chase says points may take up to 8 weeks to post; the account must remain open and not in default.
Past welcome offers
【January 1, 2024 update】 60,000 points + one 50K Free Night Award:
- Spend $2,000 in the first 3 months
Everyday Spending
3x: Eligible purchases at hotels participating in Marriott Bonvoy. This is the earn rate provided directly by the card; Marriott Bonvoy member and Silver Elite stay earning at hotels is calculated separately under Marriott program terms.
2x: Eligible purchases at grocery stores; internet, cable, and phone services; and select streaming services. Final category classification depends on the merchant category code; transactions processed through third-party payment services or digital wallets may not earn the bonus category rate.
2x: Eligible rideshare purchases in the taxicabs and limousines category.
2x: Eligible food-delivery purchases made directly through DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless, or Delivery.com.
1x: All other eligible purchases. Balance transfers, cash advances, cash-like transactions, gambling, interest, and fees do not earn points.
Benefits & Insurance
- Automatic Silver Elite Status
Cardmembers receive Silver Elite status automatically each calendar year; the first grant after account opening can take up to 8 weeks. To keep this card-granted status, the account must remain open and not in default.
- 5 Elite Night Credits each year
The primary cardmember can receive 5 Elite Night Credits each year while the account is open, not in default, and linked to an active Marriott Bonvoy account. Across eligible personal Marriott cards on the same member account, only the highest annual personal-card Elite Night Credit benefit applies; annual Elite Night Credits from an eligible business card can be earned separately.
- Pay Yourself Back®
Redeem Marriott Bonvoy points for statement credits on eligible tickets purchased directly from an airline or eligible purchases at hotels participating in Marriott Bonvoy, up to $750 in total statement-credit redemptions each year. The current redemption rate is 12,500 points for a $100 statement credit; each redemption has a 1-point minimum and you can select up to 12 transactions in the same order. Statement credits usually appear within 1 to 2 billing cycles.
- Chase Pay Over Time eligibility
Chase Pay Over Time eligibility is not guaranteed and depends on creditworthiness, credit line, and account behaviour. Direct airline or participating Marriott Bonvoy hotel purchases of $100 to $5,000 made in the past 90 days, and other merchant purchases of at least $100, may be eligible; Amazon checkout orders may be eligible from $50. The plan terms shown when the offer is presented on the account govern.
- Complimentary DashPass for 12 months
From February 1, 2025 through December 31, 2027, the first time you activate DashPass for DoorDash or Caviar with this card, you can receive 12 months of complimentary DashPass. You must activate with a U.S. address, set this card as the default payment method, and use it to pay for eligible orders. After the complimentary period ends, the membership renews at the then-current monthly rate unless you cancel.
- $10 Off Quarterly on DoorDash Non-Restaurant Orders
After activating DashPass, you can apply a $10 subtotal discount to one eligible DoorDash non-restaurant order each calendar quarter, limited to one redemption per person per quarter, through December 31, 2027. Unused value expires and does not roll over; taxes, service fees, tips, gift cards, and alcohol in some states are excluded. Checkout must use the same card that activated DashPass.
- Visa Signature Concierge Service
Visa Signature Concierge provides 24/7 personal assistance, such as restaurant reservations and event arrangements. You pay for any goods or services purchased through the service.
Travel-Related Insurance
- Baggage Delay Insurance
When checked baggage is delayed or misdirected by a common carrier for more than 6 hours, you can be reimbursed for essential personal items at up to $100 per day for up to 5 days. All or part of the common-carrier fare must be paid with this card and/or eligible rewards, and coverage is secondary. You must report the delay to the carrier, file a claim within 20 days of the delay, and submit documents within 90 days. Jewellery, watches, cameras and other electronics, money and documents, and recreational equipment are among items not covered.
- Lost Luggage Reimbursement
When a common carrier causes checked or carry-on baggage to be lost, damaged, or stolen, secondary reimbursement after the carrier pays covers the difference in actual cash value, up to $3,000 per covered traveller per trip; jewellery/watches and cameras/electronics each have a $500 sublimit. New York residents are also limited to $2,000 per bag and $10,000 for all covered travellers combined per trip. All or part of the fare must be paid with this card and/or eligible rewards. You must report the loss to the carrier, file a claim within 20 days, and submit documents within 90 days.
- Trip Delay Reimbursement
When a common carrier is delayed for more than 12 hours, or an overnight stay is required, because of equipment failure, severe weather, a strike, or hijacking, you can be reimbursed for reasonable meals, lodging, toiletries, and medication up to $500 per covered traveller per trip. All or part of the fare must be paid with this card and/or eligible rewards, and coverage is secondary. File a claim within 60 days of the delay and submit documents within 100 days.
Shopping-Related Insurance
- Purchase Protection
New eligible purchases (including gifts) are covered against theft, damage, or involuntary accidental parting for 120 days from the purchase date—90 days for New York residents—when all or part of the purchase is paid with this card and/or eligible rewards. Reimbursement is the lesser of repair cost, replacement cost for a similar item, the amount charged or paid with rewards, and $500 per item, up to $50,000 per account, and coverage is secondary. File a claim within 90 days of the loss and submit documents within 120 days. Animals and plants, collectibles, vehicles, software, rented or leased items, and used goods are among items not covered.
Comments
Comments from a new email are reviewed before they appear.