Is the Marriott Bonvoy Bountiful™ Credit Card worth it?
The honest break-even math on a $250 annual fee — printed credits, top earn rate, and the spending it takes to come out ahead. No editorial spin: the same figures the optimizer scores your real charges with.
Updated 2026-09-04
The break-even math
| Annual fee | $250 |
| Printed statement credits | $0 |
| Net cost to earn back | $250 |
| Top earn rate | 4x on groceries |
| Break-even spend | $7,353/yr |
Subtract the $0 of printed statement credits from the $250 fee and $250 is left to earn back through rewards. At its top rate — 4x on groceries, valuing Marriott Bonvoy points at 0.85¢ — you'd need about $7,353 of groceries spending a year just to break even.
The verdict
A close call. $7,353 of groceries spending isn't a stretch for many households, so this card earns out for steady spenders in that category — and loses to a no-fee card for everyone below that line.
If the answer is no, downgrade — don't cancel
You do not have to choose between paying $250 and closing the account. Marriott Bonvoy Bountiful™ Credit Card can normally be product-changed to 2 lower-fee cards in the Chase Marriott Bonvoy family — the cheapest is Marriott Bonvoy Bold® Credit Card at no annual fee, saving $250 a year while the account, its age and its credit line stay on your report.
What does the Marriott Bonvoy Bountiful™ Credit Card downgrade to? See all 2 options →
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Full Marriott Bonvoy Bountiful™ Credit Card details → · All 286 cards