Marriott Bonvoy Daring® Credit score Card Assessment (2025.6 Replace: 60k+1FN Provide)

Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2025.6 Replace: The brand new affords are 60k+1FN (as much as 50k). Nonetheless, I want to emphasise this once more: we don’t advocate to use for this card! As a result of it makes you ineligible for Chase Marriott Bonvoy Boundless which has a better sign-up bonus.

2025.3 Replace: The upper provide is expired. The present affords are 30k.

2025.1 Replace: The brand new affords are 60k+1FN (as much as 50k). Nonetheless, I want to emphasise this once more: we don’t advocate to use for this card! As a result of it makes you ineligible for Chase Marriott Bonvoy Boundless which has a better sign-up bonus.

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Advantages

1. 60k+1FN provide: Earn 60,000 Marriott factors plus 1 Free Evening (FN) Awards (with a redemption stage as much as 50,000 Marriott factors) after spending $2,000 within the first 3 months from account opening. That is the most effective provide on this card.
2. Marriott level is now essentially the most versatile factors (after the merger with SPG). We estimate that Marriott factors are price about 0.7 cents/level, see beneath for a quick introduction. We estimate that 50k FN is price about $210 every. So the 60k+1FN highest sign-up bonus is price about $630.
3. Earn 3x Marriott factors at Marriott resorts (together with Marriott, Ritz-Carlton and SPG manufacturers). Earn 2x Marriott factors journey, and 1x on every part else.
4. [Update] Earn 5 elite nights every calendar 12 months (elite nights are for standing, not free nights). [Update] Ranging from 2025, you now not get 15 elite nights, if you need 15, you’ll have to no less than pay some annual charge to the Boundless card for instance. You’ll solely obtain Elite Evening Credit from ONE Marriott co-branded private bank card even if in case you have a couple of Marriott/SPG/Ritz-Carlton bank cards. You may get 15 extra Elite Evening Credit if in case you have a Marriott co-branded enterprise bank card.
5. No overseas transaction charge.
6. No annual charge.

Introduction to Marriott Factors

• Marriott factors are essentially the most versatile transferable factors (After the merging with SPG, Marriott obtained all its airline companions).
• You possibly can earn Marriott factors with Chase Marriott Bonvoy Boundless, Chase Marriott Bonvoy Daring, AmEx Marriott Bonvoy Sensible, AmEx Marriott Bonvoy Enterprise, and the next playing cards that don’t settle for new purposes however settle for product change: Chase Ritz-Carlton, and AmEx Marriott Bonvoy.
• Marriott factors are saved in your Marriott account, not in your bank cards, so you will not lose your factors by canceling the bank cards.
• Your Marriott factors will expire when you do not earn or spend any Marriott factors in 24 months. So long as you earn make a purchase order with the corresponding bank cards or keep in a resort, otherwise you redeem some factors throughout the timeframe, the purpose expiration date shall be postponed accordingly.
• Marriott factors might be transferred to a number of airways miles (you do not have to have a Marriott associated bank card to make the switch), and the ratio is 3:1.25 (i.e. 3:1 switch fee, plus you get 5k bonus miles for each 60k Marriott factors you switch at a time). The nice choices are: Alaska Airways (AS) (Non-alliance), Japan Airways (JL) (Oneworld), United Airways (UA) (Star Alliance), American Airways (AA) (Oneworld), All Nippon Airways (ANA, NH) (Star Alliance), Korean Air (KE) (SkyTeam), and so forth. Should you use Marriott factors on this means, the worth is about 0.7 cents/level.
• Marriott factors can be redeemed for resort stays clearly. Here is the redemption chart: Marriott redemption chart. Typically talking, you will get a greater redemption worth from lowest classes. Should you use Marriott factors on this means, the worth is about 0.7 cents/level.
• In abstract, we estimate that Marriott factors are price about 0.7 cents/level.

Really helpful Software Time

1. [5/24 Rule] If in case you have 5 or extra new accounts opened previously 24 months, Chase won’t approve your software on this card, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this publish for particulars about easy methods to probably bypass this rule.
2. This product is out there to you when you do not need the previous Chase Marriott bank card, Chase Marriott Bonvoy Boundless, or this card and haven’t acquired a brand new cardmember bonus for the previous Chase Marriott bank card, Chase Marriott Bonvoy Boundless, or this card previously 24 months. Be aware that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
3. [New] The bonus is just not accessible to you when you:
   1. are a present cardmember, or had been a earlier cardmember throughout the final 30 days, of AmEx Marriott Bonvoy (Previously AmEx SPG);
   2. utilized and had been accredited for AmEx Marriott Bonvoy Enterprise (Previously AmEx SPG Enterprise), AmEx Marriott Bonvoy Bevy, or AmEx Marriott Bonvoy Sensible (Previously AmEx SPG Luxurious) throughout the final 90 days.
   3. or are a present or earlier cardmember of both AmEx Marriott Bonvoy Enterprise (Previously AmEx SPG Enterprise), AmEx Marriott Bonvoy Bevy, or AmEx Marriott Bonvoy Sensible (Previously AmEx SPG Luxurious), and acquired a brand new cardmember bonus or improve bonus within the final 24 months.
4. Don’t apply for greater than 2 Chase bank cards inside 30 days, it’s extremely possible that you’re going to get rejected.
5. We advocate you to use for this card after you could have a credit score historical past for greater than a 12 months.

Abstract

This card is just not price making use of, as a result of it makes you ineligible for Chase Marriott Bonvoy Boundless which has a better sign-up bonus. Nonetheless, it’s a superb downgrade choice for Chase Marriott Bonvoy Boundless or Chase Ritz-Carlton. With this card, you continue to earn 15 elite nights yearly even when you throw it in a sock drawer (you continue to want to make use of it no less than yearly although, to keep away from account shutdown). [Update] Now you solely get 5 elite night time from this card yearly, not 15 any extra. Due to this fact if you need 15, you’ll have to no less than pay some annual charge to the Boundless card for instance. So now this card principally solely serves as a no-annual-fee downgrade choice to hold the credit score historical past going.

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After Making use of

• Name 800-436-7927 to examine Chase software standing. That is an automatic phone line, and the knowledge has the next meanings: Obtain determination in 2 weeks means your software might be accredited; Obtain determination in 7-10 days means your software might be rejected; Obtain determination in 30 days merely means your software requires additional overview and there’s nothing to inform you for now.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it when you didn’t get approve instantly. Your private info shall be acquired and they’ll then overview it. You seldom reply questions, as a substitute, simply benefit from the music and then you definately get accredited or rejected, or additional info is required to be hand in to the department or faxed.

Historic Affords Chart

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