The Marriott Bonvoy Credit Cards Explained

 

There are four Marriott Bonvoy credit cards that allow you to earn points towards stays within the Marriott Bonvoy program. Two of these cards are issued by Chase Bank and two are issued by American Express. These cards usually have high offers 2 to 3 times a year so make sure you sign up when the bonus is high! This article talks about the standard offers on these cards.

 

The Four Marriott Bonvoy Credit Cards

 

Marriott Bonvoy Boundless

The Marriott Bonvoy Boundless Card offered by Chase usually has an offer of about 100K Marriott Bonvoy Rewards. They have limited time offers on this card 2-3 times a year.  This card will earn 6x points on Marriott purchases and 2x points on everything else. The annual fee of $95 is not waived in the first year.

This card does fall under the Chase 5/24 rule. This means that if you have opened more than five cards across any bank in the last 24 months, you will not be approved for the card.

 

Chase Marriott Credit Card

 

 

 

Marriott Bonvoy Bold

The Marriott Bonvoy Bold is also issued by Chase and as such falls under the Chase 5/24 rule. The usual sign-up bonus is 60,000 points after a $2,000 spend in three months. This card has no annual fee but also doesn’t come with the anniversary-free night that all the other Marriott cards come with. It earns 3 points at Mariott hotels, 2 points on travel, and 1 point on everything else. You can only hold one Chase Marriott card at a time so I would choose the Bonvoy Boundless over this card.

 

Marriott Bonvoy Bold Credit Card

This is a no-annual-fee credit card offered by Chase Bank.

 

 


Marriott Bonvoy Business

The Marriott Bonvoy Business card issued by American Express usually has a welcome offer of 75,000 points after meeting the minimum spend. The $125 annual fee is not waived. This card also includes a free night (valued up to 35,000 points) each year on your account anniversary. The card earns 6 points at Marriott hotels, 4 points at gas stations, restaurants, and wireless telephone service, and 2 points on all other purchases.

 

Marriott Bonvoy Business Credit Card

This Marriott Bonvoy credit card is a business card so it won’t count towards your 5/24 status!

 

If you are worried about Chase 5/24 then this is a great card to get as it won’t go towards your count! Remember, most business cards (including Amex and Chase business cards) don’t count towards your 5/24. To learn more about the business card and to see how you may actually have something that counts as a business, check out this post.

 

Marriott Bonvoy Brilliant

Marriott’s luxury card is the Marriott Bonvoy Brilliant Credit Card.  It is issued by American Express. The usual offer is 75,000 Bonvoy points after you spend $5,000 in 3 months. 

There is a big annual fee on this card of $450. The fee includes a $300 annual credit every calendar year toward Marriott stays, a free night award on your cardmember anniversary (valued up to 50,000 points), Priority Pass (lounge access at airports), a statement credit for Global Entry or TSA Precheck, Gold Elite status at Marriott hotels, and more. 

I personally think this card is worth the high annual fee as the $300 annual credit brings the fee down to $150. The free night award (valued up to 50,000 points) can be worth $400+. This year, my mom used one at a Ritz Carlton worth over $700 a night. The card earns 6 points at Mariott hotels, 3 points at restaurants and airfare booked directly through airlines, and 2 points on everything else. 

 

Marriott Bonvoy Brilliant credit card

Marriot luxury card with great benefits!

 

Rules of the Marriott Bonvoy Cards

There are various rules associated with the Marriott Bonvoy Credit Cards. For example, if you have one of the Chase Marriott cards, you can’t open the other Chase Marriott card. If you have an Amex Marriott card you can open the other Amex Marriott card. If you have an Amex Marriott card and want to open a Chase Marriott card, then you will need to wait till it has been 24 months since you received your bonus on the Amex card.

It can be a little confusing. I recommend checking out this chart from the Points Guy that shows you what cards you are eligible for based on what card you currently have.  Also, when applying for these cards make sure you read the eligibility conditions. If you have any questions send me a message.

 

Why I Like These Points:

 

1. Book 4 Nights Get the 5th Night Free on Award Stays

I love this perk! Your points go much further when you get an extra night! I like to always book my award stays for five nights so I can take full advantage of that 5th free night.

 

2. Points Advance

Ok, another perk I absolutely love and wish everyone offered! Marriott doesn’t require you to have all your points in order to make a reservation. Waiting on points to be deposited into your account is kind of annoying, especially if you are worried about rooms selling out. With this perk, you can go ahead and make your reservation whenever you want, even if you don’t have the points! Just make sure you have earned all the points at least two weeks before your stay or else they may cancel your booking. Also, making a points advance just holds a room, it doesn’t lock in the price. To lock in the price you will need the points.

 

3. Free Cardmember Anniversary Night

Each of the Marriott Bonvoy Credit Cards comes with a free night on your cardmember anniversary with the exception of the no-fee Marriott Bonvoy Bold Card. Usually, you can get a hotel that costs much more than your annual fee! Even the Bonvoy Brilliant with its annual fee of $450 can be justified when you are able to use the free night (up to 50,000 points) at a luxury property where nights can go well over $450 a night!  The free nights on the other two cards are for properties up to 35,000 points a night.

 

4. Lots of Hotel Options

There are 6,700 Marriott hotels across 130 countries. Their global footprint is huge!! Because of this, you should have no problem finding a way to use your points.

 

5. Chase and Amex Transfer Partner

You can transfer your Chase Ultimate Rewards and your Amex Membership Rewards into your Marriott account at a ratio of 1:1. I have to mention that you get much more value by transferring your Ultimate Rewards to Hyatt vs. Marriott. I wouldn’t transfer my Chase points into my Marriott account to pay for a whole vacation, but If you are short on points then it might be worth it. Especially if a transfer to top off your Marriott account will get you the necessary points to get a 5th night free! The same goes for Amex, your points will usually be more valuable transferring to airlines. 

 

 

How To Use Your Marriott Points

You can find a Marriott pretty much anywhere you want to go but here are a few examples of some great ways to use your Marriott points. Here’s some info on getting Marriott Hotels on the cheap! We’ve listed some of our favorite redemptions stays below.

 

JW Marriott Phu Quoc Emerald Bay

 

Use Marriott Bonvoy points to Stay at Marriott Phu Quoc Emerald Bay Resort in Vietnam
My mom went to Vietnam just to stay at this resort and she loved it!

Marriott Wailea Beach Resort

 

Use Marriott Bonvoy points to stay at in a guest room with King bed at the Marriott Wailea Beach Resort in Maui
Mitch and I have been here two times and will be back!

St. Regis Bangkok

 

Earn points with Marriott Bonvoy Cards to stay in a Marriott St. Regis Bankgok hotel room
St. Regis hotels are known for luxury.

Springhill Suites at Anaheim Resort/Convention Center

 

Use points from the Marriott Bonvoy Cards to stay at the Marriott Springhill Suites Anaheim Resort/Convention Center hotel room.
A great option for staying near Disneyland.

 

Marriott Puerto Vallarta Resort and Spa

 

Marriott Puerto Vallarta Resort and Spa. View of the hotel, pool and beach.
I wouldn’t be upset to have to spend a long weekend here. ????

There are thousands of options when it comes to where to use your Marriott points, good luck narrowing it down ????. But that’s a great problem to have right?!

 

Bottom Line

We love Marriott Hotels and have stayed in them so many times. Adding a Marriott credit card to your wallet is a great idea for hotel stays. Do you have a Marriott card and if so, which one?

woman swimming in pool at kauai resort

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