Marriott Bonvoy credit cards offer valuable rewards and perks for frequent travelers who stay at Marriott properties. Chase currently issues two versions: the Marriott Bonvoy Boundless credit card and the Marriott Bonvoy Bold credit card. Both provide opportunities to earn points on hotel stays, dining, and everyday purchases, but qualifying for these cards requires a strong credit profile.
Before applying, it’s helpful to know the credit score requirements and other factors that influence approval. Credit card issuers look at more than just your score—they also assess income, existing debt, and overall credit history. Taking steps to strengthen these areas can improve your chances of securing a Marriott Bonvoy credit card.
Minimum Credit Score Requirements for Marriott Bonvoy Credit Cards
The recommended minimum credit score for both Marriott Bonvoy credit cards is 700. However, as a premium travel credit card, the Marriott Bonvoy Boundless card typically requires a higher credit score of at least 740. Keep in mind that credit card issuers take various factors into account, so even if your credit score is above the minimum requirement, approval is not guaranteed.
Strategies to Boost Your Approval Odds for a Marriott Bonvoy Card
To increase your chances of getting approved for a Marriott Bonvoy card, you’ll need to plan ahead and ensure your financial situation is in good shape. Here are some tips to help you prepare:
- Know your credit scores and reports: Be aware of your credit scores and what’s in your credit reports. You can obtain a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every 12 months at AnnualCreditReport.com. Regularly monitoring your credit can help you identify areas that need improvement and spot any potential errors that may be negatively affecting your credit score.
- Maintain a strong credit history: Credit card issuers prefer applicants with a history of responsible credit use. Make sure to pay your bills on time, avoid maxing out your credit cards, and keep your debt levels low.
- Steady income: A stable income demonstrates your ability to repay your credit card balance. Ensuring that your income is sufficient and consistent can improve your chances of being approved for a Marriott Bonvoy card.
- Keep credit utilization low: Aim to use less than 30% of your available credit limit on all your revolving credit accounts. This will show credit card issuers that you can responsibly manage credit without overextending yourself.
- Limit credit inquiries: Applying for too much credit in a short period can raise red flags for potential lenders. Space out your credit card applications and try not to have too many hard inquiries on your credit report at once.
Seeking Professional Help to Improve Your Credit Score
If your credit score needs a boost before applying for a Marriott Bonvoy credit card, consider seeking professional assistance. Credit repair services like Credit Saint offers assistance with disputing and potentially remove negative items from your credit report, such as late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
By working with a reputable credit repair service, you can improve your credit score and increase the likelihood of getting approved for a Marriott Bonvoy credit card or other financial products.
Visit their website and fill out the form for a free consultation.
