Saturday, January 28, 2023

Which Marriott Credit Card Is Best

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The BEST Marriott CREDIT CARD! (Amex Marriott Bonvoy Business)

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.

    Chase Marriott Bonvoy Boundless Card Offer

    The is offering a fantastic bonus, described as the best points offer yet. The card is offering a two-part welcome bonus:

    • Earn 125,000 Marriott Bonvoy points after spending $5,000 within the first three months
    • Earn one bonus free night award after spending $5,000 within three months

    This is an awesome bonus, that has a value of up to 175,000 Bonvoy points. But there are reasons beyond the bonus that youll want to get this $95 annual fee card:

    What Credit Cards Does Marriott Accept

    You can book a room through using a Visa, American Express, Discover or Mastercard.

    For rates and fees of the Marriott Bonvoy Brilliant American Express® Card, please click here.

    For rates and fees of the The Platinum Card® from American Express, please click here.

    Terms apply to American Express credit card offers. See for more information.

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site . ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

    How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin’s alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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    Free Night Certificate Annually

    The Bonvoy Brilliant Card also offers a free night certificate worth up to 50,000 points for every anniversary of holding the card, as well as complimentary Marriott Gold Elite status.

    But thanks to this limited time offer, you also get a free night certificate good for any hotel up to 85,000 points per night, when you hit $5,000 in spending within the first 3 months. So on top of the 150,000 welcome points, youre effectively getting another 85,000 via this free night offer.

    A Marriott loyalist and still not convinced? It gets better.

    Drawbacks Of Marriott Bonvoy Bold Credit Card

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

    While Marriott does have thousands of properties to choose from, the biggest drawback of the program is the value of your points. Our recent analysis showed that were only worth about half of a cent each on average. You may find you get more value from a card that earns points within an issuer program, like Chase Ultimate Rewards or American Express Membership Rewards, which you can transfer to Marriott Bonvoy.

    The Marriott Bonvoy Bold earns competitive rewards on hotel stays within the program, but youll get little benefit from your spending elsewhere, with just 2x points on other travel and 1x on everything else. Marriott Bonvoy Bold also doesnt offer many benefits beyond boosted status, which is relatively common among no annual fee co-branded cards. If youre looking for perks like free nights on your cardmember anniversary, annual resort credits, and more, compare other Marriott credit cards and hotel cards from other brands before you apply.

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    American Express Green Card

    no annual feeAmerican Express® Green Card

    By signing up for the American Express® Green Card, you can earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. Its a $100 value, 10,000 Aeroplan points or 12,000 Marriott Bonvoy points.

    With this no-fee credit card, youll also have access to online promotional offers that earn points or rebates on your purchases.

    Can I Pool Points From Different Individuals Marriott Bonvoy Credit Cards Into One Account

    Yes, you can pool points between different Marriott Bonvoy accounts, although each account is limited to sending 100,000 points per calendar year and receiving 500,000 points per calendar year.

    Points transfer can only be done over the phone. The sender should call Member Support and provide the recipients Marriott Bonvoy account number in order to initiate the process.

    Miles & Points

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    Marriott Credit Card Offers

    Best Marriott Credit Card Overall

    The best Marriott credit card is the because it offers a lot of bonus rewards, starting with 125,000 points and 1 free night award for spending $5,000 in the first 3 months of opening an account. Marriott Bonvoy Boundless also gives 6 points per $1 spent at Marriott hotels . The Marriott Bonvoy Boundless® Credit Card has plenty of other things going for it, too. Cardholders get a free night award after each account anniversary, for one thing. Bonvoy also provides complimentary Silver Elite Status in the Marriott Rewards program, giving users benefits such as 10% more points on stays, priority late checkout and a dedicated reservation line.Those perks help soften the blow of the cards $95 annual fee. There is no foreign transaction fee.

    Whats The Optimal Strategy For Hotel Credit Cards

    Best Marriott Bonvoy Credit Card: Marriott Boundless vs Amex Marriott Brilliant

    If youre a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, hotel credit cards will play a significant role in your strategy.

    On the whole, its relatively easier for Canadians to earn points that will cover your flights at a good value, compared to hotels and other places to stay.

    Therefore, the objective of your hotel credit card strategy is to give you as many free hotel nights using points as possible, while elevating the quality of all your hotel nights through elite status benefits.

    The and are the two most prominent hotel co-branded credit cards in Canada.

    Either of these two cards also gives you 15 elite qualifying nights towards your . Stay 35 more nights, and youll reach the 50 elite qualifying nights required for Platinum Elite status, which is where your elite benefits really start to kick in.

    The American Express Platinum Card is another straightforward way to boost your hotel experiences, offering mid-tier Gold status with Marriott, Hilton, and Radisson, as well as access to the Fine Hotels & Resorts program to unlock elite-equivalent benefits at a wider range of luxury hotels around the world.

    To further maximize points with the major hotel chains, youd likely need to explore US credit cards, which offer a much wider range of more powerful credit cards among Marriott, Hilton, Hyatt, IHG, and several other global hotel chains.

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    Unorganized And Unable To Get Answers Concerning False Credit Card Charges

    I stayed in July 2021 for a wedding. When checking in for the wedding, they gave me the key to the groom’s father’s room having me walk in on them unexpectedly. Then they charged me for the room which was covered under the wedding, refunded me a month later, charged me a second time two months later, and have refused to return my calls and emails for over a month trying to inquire about the charges. Completely unorganized from the start and still have $500 of false charges on my credit card.

    • Value

    12.3 km

    • Free Wifi

    10.7 km

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    9.9 km

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    12.6 km

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    11.8 km

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    9.8 km

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    11.1 km

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    1.8 km

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    1.0 km

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    8.8 km

    • Free parking


    Checked in for a reservation and room was not ready. They had no estimation of when the room would be available. We did not get our room until 11:00pm that night. The only compensation that was offered was a free breakfast. I felt a pro rated fee would be suffucant for the time I was unable to use my room. Made numerous phone calls to speak with the manager and was never contacted back. Finally filed a claim and still no word back from hotel. The last attempt with the hotel I was offered some points which amounted to nothing . I have been a Marriott customer for over 30 years and have never encountered service like this. I understand that there might be situations that arise that they have no control over but treating customers like this is not acceptable.

    • Service
    • Value

    American Express Cobalt Card

    American Express Cobalt Cardthe best credit card from American Express

    The welcome bonus is distributed monthly for the first 12 months. You earn 2,500 Membership Rewards points for every $500 in purchases charged to your card during the month . Thats up to 30,000 Membership Rewards points.

    Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Thats up to 50,000 Membership Rewards points as a welcome bonus!

    You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10. Or, you can transfer your points to Aeroplan, Marriott Bonvoy, or Hilton Honors.

    With the American Express Cobalt Card, you can earn between 1 and 5 points per dollar:


    This is a 1 to 5% return on all these purchases.

    In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.

    Find out in this article how to optimize the welcome bonus to get 87,500 points with your current spending.

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    Which Marriott Credit Card Is Best For You

    Each of the Marriott card offerings has benefits, but the right card for you is the one that helps you earn the most for the least out-of-pocket cost. Compare the cards and options above before you dive in, and you can start earning points and booking free hotel stays in no time.

    Before you rush out to sign up for a hotel credit card, also make sure to compare all your options. The merger between Starwood Preferred Guest and Marriott Rewards made this hotel brand stronger and larger than ever before, but you should also explore credit cards that co-brand with Hilton, IHG Rewards and other hotel programs.

    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.

    Holly Johnson is a financial expert and award-winning writer who is obsessed with frugality, budgeting and travel. In addition to serving as contributing editor for The Simple Dollar, Johnson owns Club Thrifty and is the co-author of Zero Down Your Debt: Reclaim Your Income and Build a Life Youll Love.

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    Annual Free Night Certificates

    Marriott Bonvoy Boundless Credit Card Review (2021)

    Free night certificates are the easiest way to justify paying the annual fee on a hotel credit card, and the Bonvoy family of cards is no exception. While the no-annual-fee Bonvoy Bold doesnt offer a free night, the other three cards do.

    The entry-level and Amex Marriott Bonvoy Business each offer an anniversary free night worth up to 35,000 points, which maps over to a Category 5 hotel or lower . I have no problem getting $300 or more in value out of these free nights, which makes it a no-brainer to keep paying the $95 or $125 annual fees, respectively. In the past year alone, here are some of the 35,000 point redemptions Ive made and how much they would have cost in cash:

    With 35,000 points youll have enough to book some luxury , including many JW Marriott/Westin/W Hotels, and occasionally a cheaper Ritz Carlton and St. Regis hotel. If you pick and choose when to use your free night certificate, even the most casual traveler should be able to get $250 or more in value from it.

    As you would hope from a premium credit card, the Bonvoy Brilliant free night certificate is much more valuable, worth up to 50,000 points, which covers most Category 6 hotels. For me, thats meant the following redemptions:

    Again, the average traveler should be able to recoup nearly the entire $450 annual fee just by using this free night certificate, not even accounting for the cards other perks.

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    Will Hotel Status From My Credit Card Give Me Elite Qualifying Nights

    No. Elite nights give you elite status, but elite status doesnt always give you elite nights.

    For example, if you earned Marriott Bonvoy Gold Elite status by holding an American Express Platinum Card, youd still need a full 50 elite qualifying nights to reach Platinum Elite, the next level up. Being Gold Elite doesnt get you halfway there unless youve earned the qualifying nights to back it up.

    Is A Marriott Credit Card Right For You

    Obviously, if you dont stay at Marriott hotels very often, then a Marriott credit card probably isnt a good fit. But if you do expect to be at a Marriott even a few times in 2021 or 2022, then any of these four Marriott credit cards are worth considering for their welcome offers alone, and then to keep on an ongoing basis, especially for the annual complimentary award certificates.

    So if youre just a casual Marriott traveler, consider the credit card from Chase, while small businesses with an owner or employees that make a lot of Marriott stays can choose the card from American Express.

    Or, Marriott fanatics who can use all the perks and the up to $300 in annual statement credits should grab the from American Express and get the best that Marriott offers, while those who dont like paying an annual fee can pick the card from Chase and get bonus points without having to pay for the card each year.

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    Which Marriott Credit Cards Should You Apply For

    If I didnt currently have any co-branded Marriott credit cards but wanted to change that, Id apply for the and . Why?

    • Generally I find American Express cards to be easier to be approved for than Chase cards
    • Based on the application restrictions on each of the Marriott cards, you would be eligible for both of the above cards, assuming you dont have any other Marriott cards
    • The cards have the two best welcome bonuses of any of the cards between them you could earn 275,000 Bonvoy points, plus three free night certificates

    Its hard to beat the value of that, if you ask me

    How To Choose A Marriott Credit Card

    Marriott Bonvoy Boundless BEST Hotel Travel Credit Card 2019

    With a number of great Marriott credit cards to choose from, the best one for you will depend on a few different factors:

    • Cost: Marriott cards offer a wide range of annual fees, so youll have to decide how much youre willing to pay and what benefits make an annual fee worth it.
    • Elite status: If you want to unlock Gold Elite status or above, you may want to pick the Marriott Bonvoy Brilliant American Express card.
    • Rewards categories: Do you want to earn points mostly via hotel spending or do you plan to earn points on things like dining? If youre looking for a more generous rewards rate on purchases outside of the travel category, the Marriott Bonvoy Business American Express card or Bonovy Brilliant card may be good options.
    • Hotel loyalty: If you mainly stay at Marriott hotels, it can make sense to get a Marriott credit card. However, if you prefer to try different hotels or simply look for the best price, a more flexible travel credit card may be a better fit for you.

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