Chase Marriott

Comparing The Three Marriott Credit Card Offers and Which One Should You Get



The Chase Marriott Premier Rewards credit card gets almost all the press with its 50,000 bonus points offer, but Chase also offers two other versions of the card that few people seem to know about. The two additional cards are the Marriott Rewards credit card and the Marriott Rewards Business credit card. While the signup bonus and earning potential with the cards are not quite as lucrative as the premium version of the card, they hold value in their own right.

Since all of these are different products offered by Chase, you are eligible to earn the signup points bonus for each card–making for a possible total of 110,000 Marriott Rewards points and 2 FREE night certificates at a Category 1-4 hotel.

Why can’t you get 5 free night certificates in total?

The answer lies in the terms and conditions per the cards: “This one-time bonus offer is valid only for first-time Marriott Rewards Credit Card Cardmembers. Previous and existing Marriott Rewards Credit Card Cardmembers are not eligible for this bonus offer. Chase is not responsible for offer fulfillment.”

This gets a little confusing, but you can earn all the points from the multiple cards because Chase awards those and you are eligle for a bonus for each unique product or card. One the other hand, Marriott awards the free night certificates and only allows one account or first-time Marriott Rewards Credit Card Members to receive the free night certificate bonus.

If you plan on applying for multiple Marriott Rewards cards it would make sense to apply for the get the maximum value for either the Marriott Rewards or the Marriott Rewards Business credit card first to get the 2 free night certificates. You will at least get the 2 free night certificates for the first bonus, but will not receive the additional free night certificates with the additional cards. If you apply for the Chase Marriott Premier Rewards you will only receive the 1 free night certificate as the one-time bonus.

I haven’t heard of any information about Marriott letting the bonus slip through the system if you apply for multiple cards. Let me know if you have received more than one free night certificate bonus from multiple Marriott cards.

Did you know that there are 3 different version of the Marriot credit card?

Did you know that there are 3 different version of the Marriot credit card?

The 3 Different Marriott Card Options

All versions of the card offer unlimited point earnings, automatic Silver Elite Status, Concierge Service, a waived annual fee for the first year, 1 Elite Credit for every $3,000 spend, and Free Night Stays starting at 7,500 points.

Marriott Premier Rewards Credit Card

The signup bonus for the Marriott Premier Rewards card is currently 50,000 (sometimes a 70k targeted offer is floating around) Rewards Points after you spend $1,000 in the first 3 months. The earning potential is the highest with this card and you will earn 5 points per dollar spent at Marriott hotels, 2 points per dollar spent at restaurants, car rentals, and airline tickets purchased directly from the airline. On all other purchases you will earn 1 point per dollar spent. After account approval you will get 1 free night certificate to stay at a Category 1-4 Marriott hotel and also get a more valuable one free night certificate at a 1-5 Category hotel after you pay the $85 annual fee at each account anniversary. The premium card also offers 15 Elite Credits per year, while the others only give you 10 Elite Credits per year.

Marriott Rewards Personal and Business Credit Cards

The standard Marriott Rewards credit card offers a 30,000 Rewards point bonus after spending $1,000 in the first 3 months AND 2 free night certificates at a Category 1-4 hotel. The earning potential is lower than the premier card and you will only earn 3 points per dollar spent at Marriott locations and 1 point on all other purchases. The Annual fee is also lower at $45 per year, but you will not receive a free night stay certificate at every card anniversary. The only difference in between the personal card and the business card is that the business version gives you some smaller benefits with tax and expense management and quarterly management reports.

Marriott Rewards redemption chart

Marriott Rewards redemption chart

Ritz Carlton redemption chart

Ritz Carlton redemption chart

The Bottom Line

The 50k Marriott Premier Rewards card offer will get you enough points for a free night at a top-tier Category 9 Marriott property or a middle-tier Category 3 Ritz Carlton property plus a free night certificate at a Category 1-4 property (worth 20,000 points). One of the major benefits of the premier card is that the card does not have a foreign transaction fee and has Smart Chip technology, both of which are helpful and can save you money if you travel abroad frequently. The card is also worth keeping and paying the $85 annual fee after the first year because you can easily get $200+ value from the free night certificate at a 1-5 hotel. If you were to stay at Category 4 hotels with your 50,000 bonus points and booked stays at a Points Saver rate you could get a total of 4 free nights (3 nights using points + 1 night using certificate).

The Marriott Rewards personal and business cards offer are just as good of a signup offer in my opinion, but that depends on how you want to use your points and stays. If you plan on staying at mid-tier properties this offer could actually be just as good for you. For comparison purposes, if you planned on staying at all Category 4 hotels with your points and certificates and booked with the Points Saver rate you would get 4 free nights as well (2 nights using points + 2 nights using certificates).

Each card offer is close to being equally lucrative if you plan on staying at middle or lower-tiered Marriott properties, but if you want to stay at top-tier hotels or Ritz Carlton properties then the Marriott Premier Rewards will be a better deal for you.

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4 Comments

  • Is it possible to get both personal cards? I currently have the Premier but would love to get 30k more points (without closing the Premier).

  • Do you know if a second card would allow for the elite nights earned in the sign-up? Thinking of adding a second Marriott card to make Platinum by the end of the year. Thanks!

    • There seems to be a little gray area because the terms state that you are only eligible for the specific number (10 or 15) of Nights Elite credit award.

      Per the terms for the Marriott Rewards card terms: “Only one Marriott Rewards Credit Card account per Rewards member (Rewards member must be the primary Cardmember on that account) is eligible for the 10 Nights Elite credit award.”

      Per the terms of the Marriott Rewards Premier card terms: “Only one Marriott Rewards Credit Card account per Rewards member (Rewards member must be the primary cardmember on that account) is eligible for the 15 Nights Elite credit award.”