Thursday, November 24, 2022

Is Marriott Credit Card Worth It

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Valuable Points For A Hotel Credit Card

Marriott Bonvoy Brilliant Amex Card – Is It Worth It?

Each point you earn with the Marriott Bonvoy Boundless® Credit Card is worth roughly 1 cent when redeemed for a free night. That might not sound like a lot and its not compared to cash back credit cards, which typically offer at least 1.11% cash back per dollar spent but its a better redemption rate than many other leading hotel credit cards offer.

Make Sure You Qualify For Marriott Bonvoys Welcome Bonuses

One important note: If you have or have previously had a Marriott or SPG card, you might not qualify for the big 100,000-point bonus. Make sure you read the fine print before applying.

In summary, there is value in these cards, but do a little bit of research and reflection before applying to make sure youre making the right move.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Tony Mecia is a freelance business writer based in Charlotte, N.C. In addition to his articles for CreditCards.com, Tony writes for a variety of trade and general-interest publications and companies. As a reporter and editor with the Charlotte Observer, he won Best in Business awards from the Society of American Business Editors and Writers for his coverage of the airline and textile industries.

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What Are The Best Marriott Credit Cards

The best Marriott cards depend very much on you. All have their own perks but essentially, your perfect card will be the one that helps you earn the most benefits for the least amount of personal spending. Compare each card before you rush to sign up and take into account whether or not youre willing to pay an annual fee, how often you actually stay in Marriott properties and what your individual spending habits are.

As we have outlined, for instance, the Marriott Bonvoy Boundless Credit Card is perfect if youre a beginner to the hotel rewards game and the Marriott Bonvoy Bold Credit Card is great for Marriott loyalists who are after more points.

There isnt an overall best card just the card thats best for you.

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Restrictions On New Card Sign

Do all four of these cards sound good to you? Unfortunately, you cant get them all. While two cards are issued by Chase and two are issued by American Express, the banks work together to limit which cards you can have at the same time.

For example, you wont be approved for the Marriott Bonvoy Bold or the Marriott Bonvoy Boundless if you are a current cardholder of a Chase Marriott branded credit card. Youll also be denied if you earned a new cardholder bonus within the last 24 months on any of these three cards.

But wait, theres more. While you can apply for the Marriott Bonvoy Bold or the Marriott Bonvoy Boundless, you wont be eligible for the sign-up bonus if any of the following are true:

  • You are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott Bonvoy American Express® Card
  • You are a current or previous cardmember of either Marriott Bonvoy Business American Express® Card or Marriott Bonvoy Brilliant American Express® Card and received a new cardmember bonus or upgrade bonus in the last 24 months
  • You applied and were approved for Marriott Bonvoy Business American Express® Card or Marriott Bonvoy Brilliant American Express® Card within the last 90 days.
  • There are similar restrictions on the American Express credit cards. If you already have a Marriott credit cardor have had one recentlyread the terms and conditions carefully before signing up for a new card.

    Introducing The Marriott Business Amex Card

    Marriott Bonvoy American Express credit card review

    If youre looking for a business credit card that earns hotel rewards, the is worth considering. Not only will you earn extra points for every dollar you spend on Marriott hotel stays, as well as several other popular business categories, youll find a number of perks that can make the card pay for itself every year.

    It all starts with the cards welcome bonus. Right now, new card members can earn 75,000 bonus points when you spend $5,000 within the first three months after opening the account, plus up to $150 back in statement credits on eligible purchases made on your new card within the first three months.

    Frequent flyer website The Points Guy values Marriott points at 0.6 cents apiece, so at that rate, those 75,000 bonus points are worth $450 in travel. Add in the $150 in statement credits and youre looking at a total bonus of $600.

    Earning 6 points per dollar on Marriott purchases is great if you stay at Marriott hotels on a regular basis, but even when youre at home, you should be able to rack up rewards quickly with 4 points per dollar at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2x points on other purchases.

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    Free Night Reward Each Year

    This is the biggest selling point for this card.

    With the Marriott Bonvoy Boundless credit card, youll receive one free night reward each year after your account anniversary date.

    Redeem your free night at participating hotels and select resorts.

    Now:

    There is a redemption value of up to 35,000 points.

    Still, this one free night can be worth hundreds of dollars depending on the hotel.

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    Free Nights As An Initial Bonus

    Most of the top-tier rewards credit cards these days offer enticing initial bonuses, and the Marriott Bonvoy Boundless® Credit Card is no different. It offers 3 Free Nights to new cardholders who make at least $3,000 in purchases within 3 months of opening an account. Since each night is valued at up to 50,000 points, that could save you hundreds of dollars when you stay at Marriott Bonvoy hotels and resorts.

    Should You Transfer Chase Points To Marriott

    Marriott Bonvoy Credit Card worth it? #Review

    Marriott is a transfer partner with Chase Ultimate Rewards, so you could transfer points at a 1:1 ratio. For example:

    In some cases, this would be your best bet for earning Marriott points through credit card spending, since you can earn multiple points per dollar in select categories.

    Even so, I wouldnt recommend transferring Chase points to Marriott. As I said, I value Marriott points at ~0.7 cents each, while you can instead transfer points at the same ratio to programs like World of Hyatt, where I value the points at ~1.5 cents each .

    While there are plenty of ways to earn Marriott points with credit cards, there arent many ways to do so at efficient or competitive rates.

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    Earn Up To 30 Bonvoy Elite Nights Per Year With Credit Cards

    As you can see, there are potentially up to eight Marriott Bonvoy credit cards each offering 15 elite nights. Does that mean you can get three Marriott credit cards and earn 45 elite nights per year that way? No, unfortunately not.

    You can earn a maximum of 30 Bonvoy elite nights per year through co-branded credit cards:

    • You can earn at most 15 elite nights per year through personal Marriott Bonvoy credit cards
    • You can earn at most 15 elite nights per year through business Marriott Bonvoy credit cards
    • Theres only one business credit card thats open to new applicants, so if you want to earn 30 elite nights per year with credit cards, youll need to have the plus one personal Marriott Bonvoy credit card

    Which Card Should I Use To Pay For Marriott Stays

    I personally have multiple Marriott cards , so I fully understand wondering which one is best to use for Marriott stays. Outside of the Bonvoy Bold, with its lower 3 points per dollar earnings on eligible Marriott purchases, all the other Bonvoy cards offer an identical 6 points per dollar.

    If you have the luxury of choice, it can make sense to frequently turn to the Bonvoy Business card to try to earn an additional 35,000-point award night certificate after you spend $60,000 on the card in a calendar year if you are really a big spender.

    TPG values Marriott points at 0.8 cents each, meaning that 6x earning is equivalent to a 4.8% return on Marriott charges on all the Marriott cards with an annual fee. Thats very respectable but if youre not set on earning Marriott points, you can potentially do much better with your overall return.

    The ever-popular Chase Sapphire Reserve earns 3 Ultimate Rewards points per dollar spent on travel, including hotels. Based on TPGs valuations, this comes out to a nice 6% return on travel spending.

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    If you have The Platinum Card® from American Express, you can earn 5 points per dollar if you make prepaid hotels booked with Amex Travel or Amex Fine Hotels & Resorts. The downside is that these bookings may not earn you Marriott points or elite benefits, so you have to weigh that cost against the additional Membership Rewards points and property amenities you might otherwise receive.

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    Get The Most Value From The Marriott Bonvoy Boundless

    The Bonvoy Boundless card is all about the Marriott perks. The first step in maximizing the cards worth is to make sure youre maximizing the value of each benefit that comes with the card. Make sure youre utilizing your automatic Silver Elite Status and the 15 Elite Night credits that count toward the next tier. Take advantage of the anniversary free-night-stay, and always use this card to pay for your Marriott Bonvoy hotel stays.

    Youll want to make sure youre strategically booking award stays during off-peak periods whenever possible to take advantage of the lull between peak seasons for your award night redemptions. In some cases, you can end up redeeming double the points if you book an award night during a peak period rather than an off-peak period.

    Finally, consider pairing this card with a more flexible rewards card from Chase to maximize your earning potential. Marriott is a Chase Ultimate Rewards® transfer partner, so youll be able to pool your points before booking high-value award stays.

    How To Qualify For Silver Elite Status

    Learn How to Apply for the Marriott Bonvoy Boundless Card ...

    The Marriott Bonvoy program is made up of five elite status levels. They include the Silver, Gold, Platinum, Titanium, and Ambassador Elite levels.

    You can earn the Silver Elite Status by staying for at least 10 days in Marriott propertiesper annum. The Second is to own a Marriott Bonvoy Boundless credit card or Marriott Bonvoy Business American Express card.

    The credit card issuer of Marriott Bonvoy cards is Chase. All of the cards in this line are Visa cards.

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    Free Night Award Annually

    The real perk that makes the Bonvoy Boundless Card worthwhile is that you get a free night award every year on your account anniversary, valid for a one night hotel stay at a property costing up to 35,000 points.

    This is an exceptional deal, and the reason that I think this card is worth having. Marriott is the worlds largest hotel chain, so regardless of what your preferred hotel program is, just about everyone may find themselves in a situation where this could come in handy.

    I consistently redeem this certificate at hotels costing $250+ per night. In early 2020 I even used one of these free night certificates at a hotel costing nearly $500 per night.

    Advantages Of Silver Elite Status

    Silver elite status cards give their owners 15 elite night credits every year. This is more than the 10-night required for the card.

    Silver Elite cardholders can also easily contact the receptionist desk to request a late checkout. The late checkout service of the Silver Elite card is however not guaranteed as is the case with more premium cards such as the cards with platinum or gold status.

    A Marriott Bonvoy offers a dedicated elite reservation line to Silver elite members. Additionally, as a Silver Elite cardholder, youre entitled to 10% more points than regular card members for each dollar spent in eligible Marriott establishments.

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    Is The Marriott Bonvoy Bold Credit Card Worth Getting

    The Marriott Bonvoy Bold® Credit Card offers an impressive lineup of benefits, such as travel insurance, no foreign transaction fees and automatic Silver Elite status, which is unusual for a card with no annual fee. For a regular Marriott guest who values economy and peace of mind but doesnt care as much about climbing the elite status ladder, Marriott Bonvoy Bold® Credit Card is a good choice.

    Free Night Award Worth Up To 50000 Points

    Marriott Bonvoy Brilliant Credit Card Review | Is it worth the $450 annual fee?

    The offers a free night award on your account anniversary every year, valid at a property costing up to 50,000 points per night. This has a significant advantage over the free night award on some other Marriott credit cards, which are only valid at properties costing up to 35,000 points.

    For example, this year I used my free night award at the Ritz-Carlton Amelia Island, which was a lovely Florida getaway. This is a Category 7 Marriott Bonvoy property, and over off-peak dates the hotel can be booked for 50,000 Bonvoy points per night.

    Id say thats a heck of a redemption, when you consider that a paid stay would have cost almost $800 per night.

    At this point Im already coming out ahead with the card. Im paying a $450 annual fee, and when you subtract the $300 travel credit, the card is really costing me $150 per year. And for that I got this stay. Not bad, eh?

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    Welcome Offer That’s Enough For A Free Night

    Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.NerdWallet values Marriott Bonvoy points at about 0.7 cent each. That means the welcome offer is worth several hundred dollars, which is a great value on a credit card with no annual fee. The welcome offer provides enough points for an award night at a Category 4 or Category 5 hotel.

    Plus, youll earn 14 points for every dollar you charge to the card at Marriott properties , 2 points per dollar on non-Marriott travel spending like airfare and taxis, and 1 point per dollar on all other spending.

    Should You Keep The Marriott Bonvoy Boundless Card Long Term

    Absolutely, if you can make use of the perks. The card is worth the annual fee just for the anniversary free-night award. As another example, here is a one-night stay at the Salt Lake City Marriott City Center.

    Instead of paying around $250 for a room, you could be paying only $95. Everything else you earn is simply gravy.

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    Why The Marriott Bonvoy Brilliant Card Is Worth It

    The has a $450 annual fee . I can totally understand how on the surface some people might say well I dont want to pay that much for a card if I dont have to.

    This is a credit card I have, and in this post, I wanted to explain how this card has been oh-so-worth-it to me, and why I think this would be the case for lots of others as well. In no particular order, heres how the benefits of this card have worked out for me:

    Do Elite Nights Earned Through Marriott Credit Cards Count Towards Lifetime Status

    Marriott Bonvoy Boundless Credit Card Review [2020]
    • Lifetime Silver status requires 250 elite nights plus five years of status
    • Lifetime Gold status requires 400 elite nights plus seven years of Gold status or higher
    • Lifetime Platinum status requires 600 elite nights plus 10 years of Platinum status or higher

    Do elite nights earned through Marriott credit cards count towards the lifetime status night requirement? The answer is yes, they absolutely do.

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    How Do You Link Your Marriott Credit Card To Marriott Rewards

    If youre using a Marriott Bonvoy card, your card will be automatically enrolled with Marriott Bonvoy once youre approved. If youre using a card thats a Marriott Bonvoy partner, such as The Platinum Card® from American Express, you wont be able to link your American Express card to your Bonvoy membership. Instead, youll be given the option of transferring your points to Marriott Bonvoy.

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