Tell us what you actually use. We'll show you what this card is worth to you.
Most of this card's value is the points or cash back it earns. The WTF Check counts credits only, so weigh what you earn on top.
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Your estimated value
This is a quick estimate. For your honest verdict — Worth It, Watch It, or Cancel — tap every credit you'd actually use in the full calculator below.
Auto-Counted
Included automatically in your WTF Check. No selection required.
0 credits
Capturable
Available only if you use it. Select the amount you realistically expect to capture.
1 credit
Earned, Not Given
Requires spending or qualifying activity. Include only what you realistically expect to earn.
11 credits
Adjust each credit to reflect your real usage. Your verdict updates as you go.
Auto-Counted
Included automatically in your WTF Check. No selection required.
Capturable
Available only if you use it. Select the amount you realistically expect to capture.
DoorDash Non-Restaurant Discount
$0 / $40Requires an active DashPass membership; $10 off one non-restaurant DoorDash order each calendar quarter.
Earned, Not Given
Requires spending or qualifying activity. Include only what you realistically expect to earn.
Free Night Award (after $15,000 spend)
$0 / your callOnly unlocked after $15,000 in purchases in a calendar year; valid for one night at a property with a redemption level up to 50,000 points; expires after 12 months.
Requires $15,000 qualifying spend to unlock
15 Elite Night Credits
$0 / your callCounts toward Marriott Bonvoy elite status.
Marriott Bonvoy Gold Elite Status
$0 / your call1,000 Bonus Points per Eligible Stay
$0 / your callNo Foreign Transaction Fees
$0 / your callBaggage Delay Insurance
$0 / your callUp to $100 a day for up to 5 days when bags are delayed over 6 hours.
Lost Luggage Reimbursement
$0 / your callUp to $3,000 per covered traveler.
Purchase Protection
$0 / your call120 days against damage or theft, up to $500 per item.
DashPass Membership
$0 / your call12 months only; must be activated by Dec 31, 2027, after which it renews at the regular rate.
Trip Delay Insurance
$0 / your callDelays over 12 hours or requiring an overnight stay; up to $500 per covered traveler.
These services may help you capture more value. Only count them if you'd actually use them.
Some links may earn us a commission. Your verdict is based on your card value, not commissions.
DoorDash Non-Restaurant Discount
dining
Counts toward: up to $40/year
Frequency: Quarterly
Requires an active DashPass membership; $10 off one non-restaurant DoorDash order each calendar quarter.
Plain-language answers, with live numbers from this card.
Value & break-even
Whether Chase Marriott Bonvoy Bountiful is worth its $250 annual fee depends on which credits you actually use. Your WTF Check starts with $0/year in Auto-Counted Value. Add the Capturable credits you expect to use and the Maximum Credit Value is $40/year — your value may be much lower, and that is what the WTF Check calculates. Run the WTF Check above for your verdict.
You'd need to capture $250 in credits each year to break even. Using every credit that isn't spend-gated returns $40 (16% of the fee).
Banks add up every possible credit at its theoretical maximum. We separate the Auto-Counted Value included in the WTF Check ($0/year here) from Capturable and Earned value that counts only if you use or earn it. If you don't use it, we don't count it.
No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.
Credits & enrollment
None of them — nothing on the Chase Marriott Bonvoy Bountiful posts automatically. Every credit takes an action to capture, which is why we count none of it for you by default. Use every credit that isn't spend-gated and the Chase Marriott Bonvoy Bountiful gives back $40 a year. Review each credit below and include only what you realistically expect to use or earn.
These credits require you to opt in through your account before they'll post: DoorDash Non-Restaurant Discount, DashPass Membership. If you don't enroll, you get nothing — even after you spend.
WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.
Methodology & account
We sort every credit into three buckets: Auto-Counted (included in the WTF Check with no selection required), Capturable (available only if you actually use it), and Earned, Not Given (requires spending or qualifying activity). Your verdict adds Auto-Counted Value to the value you select—never the bank's marketing total.
Every credit here is read from the issuer's own published terms by a person, who records the source link and the date. The date on this page is that date — it is when we last checked, not a promise about when we will check next. When a term changes we log it to our terms-history so you can see exactly what shifted and when, and if a credit's reset window changes, your reminders update too.
Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card you've saved, we surface a warning on this page and email you. You can always downgrade or cancel before the renewal posts.
No. Some card links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.
Yes—your current selections are kept in this page's URL automatically. Create a free account to save your Fee Report to My Wallet and get reminders before each credit's reset window closes.
Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
Verified against official issuer sources on September 19, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.