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Marriott Rewards® Premier Credit Card

Christine Krzyszton
Updated on: 07/04/2017
RE®: 79
Our Rating
Marriott Rewards® Premier Credit Card
How to Apply

To apply for this offer please contact
Chase Bank

For excellent/good credit

"With Marriott’s network of worldwide hotels, you’ll have the ability to redeem points at over 5,800 properties in 110 countries."

Every traveler can benefit from having a hotel-branded credit card in their wallet. Selecting one that matches your hotel preferences and compliments your hotel loyalty membership should be paramount in your decision. The Marriott Rewards Premier credit card is a good choice that offers earning and redemption options over a diverse family of hotels, a fast path to elite status and a free night at a category 1 through 5 hotel when your card is renewed each year.

Redemption flexibility, vacation package awards and a generous sign-up bonus make the Marriott Rewards Premier credit card a worthy choice. Understanding these benefits, as well as the value of Marriott Rewards points and additional cardholder perks, can help you decide if this card is a good fit for you.

Also worth noting is Marriott’s acquisition of Starwood Hotels and the Starwood Preferred Guest program. While currently these programs are separate, transfer, redemption and status match opportunities exist which may warrant getting this card while it is still available.

Bonuses and Benefits

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Marriott Rewards® Premier Credit Card offers and the value of the Chase Marriott Rewards® points you earn.

Bonuses

If you haven’t had the Marriott Rewards Premier Credit Card within the past 24 months, you’re eligible to receive an 80,000 points sign-up bonus. You have to spend $ 3,000 within the first 3 months to get the bonus. You can earn an additional 0 points by adding an authorized user to the card. They must also make a purchase within 3 months to get the bonus. If you refer a family or friend who gets approved for the card, you can earn another 10,000 points, for up to a maximum of 50,000 points per year.

You’ll also receive a free night at up to a category 5 hotel after each account anniversary. That’s worth at least 7,500 points.

Your path to Elite status is expedited by the 15 Elite status night credits you receive annually. These nights will be credited within 6 to 8 weeks from the account opening and at renewal each year. Since Silver Elite Status requires staying 10 nights, you’ll receive complimentary Silver Elite status when the 15 nights are credited.

Marriott periodically offers PointSavers awards where award redemptions start at just 6,000 points per night. You can also maximize the value of your points by booking four consecutive award nights and getting the fifth one free.

What You Get

  • Earn 80,000 points after you spend $3,000 on purchases in the first 3 months
  • You'll earn 7,500 bonus points when you add an authorized user and they make a purchase within the first 3 months
  • Refer a friend and receive 10,000 points if they become a cardholder. You can earn up to 50,000 points a year through referrals.
  • Every year you have the card you’ll get 15 nights toward elite status. That’s enough for Silver status.

Marriott Rewards points expire after 24 months of inactivity. Qualifying activity keeps points alive and includes earning points on a qualifying stay, redeeming or purchasing points, making a credit card purchase, redeeming points for a hotel stay, transferring points and more.

Everyday Earnings

While not the most generous card for everyday earning, the Marriott Rewards card does offer an impressive 5 points for every dollar spent with the Marriott family of properties. You’ll also get double points for dining out, airfare and car rentals, which is an unusual for a co-branded travel card. All other purchases earn just 1 point per dollar spent. If you travel a lot and often stay at Marriott, you’ll earn a lot of points fast. Otherwise, you may want to consider another card for most of your spending.

Marriott Rewards Premier Credit Card Rewards

Customize your spending detailsSpecify your parameters
Your Monthly Charges
Rewards You Will Earn Annually
24,000points$221in dollar value
Travel
1points/$1
Car Rental
2points/$1
Marriott Purchases
5points/$1
Airfare
2points/$1
Dining
2points/$1
All Other Purchases
1points/$1

Hotel-related purchases that receive 5X points include spending at any of the brands in the Marriott family including Marriott branded hotels, Ritz-Carlton and Starwood-branded properties. Travel purchases, as defined in the 2X points category, include airline tickets purchased directly with the airline, as well as purchases at restaurants and rental car agencies.

Travel Benefits

While some travel benefits are included for cardholders, others can be secured with Marriott Rewards points.

Lounge Access

You can redeem Marriott Rewards points for a Priority Pass Membership starting at 20,000 points.

TSA PreCheck

You can redeem 25,000 Marriott Rewards Points for TSA PreCheck membership. However, the regular cost of PreCheck is only $85 for five years.

No Foreign Transaction Fee

You will not be charged foreign transaction fees on your purchases abroad.

Concierge Service

Get personal assistance anytime and anywhere you need it. 24/7 concierge service comes with the card.

Dedicated Customer Service Phone Line

Cardholders have access to a dedicated help line even when traveling internationally.

Earn Elite Status Fast

The path to earning Elite Status is accelerated by the 15-night credit you receive with the Marriott Rewards Premier credit card. You also earn one additional night toward status for every $3,000 spent on the card.

Since Silver Elite status requires staying only 10 nights annually, the annual 15-night credit qualifies you automatically. The next Elite level is Gold, which requires staying a total of 50 nights, and Platinum requires 75 nights. As an added bonus, SPG and Marriott have elite status matching, so whatever status you earn with one program, you’ll automatically get with the other.

Silver Elite status with Marriott gives you room upgrades, priority late checkout, a special elite reservation and guest services phone line, 20 percent bonus points on paid stays, and exclusive discounts and offers. These benefits are in addition to membership benefits for signing up for the Marriott Rewards loyalty program, which include free Wi-Fi, room discounts and mobile check in.

  • Annual 15-night credit toward elite status, which is good for Silver Elite.
  • Get an additional 1-night credit toward elite status for every $3,000 you spend. 

Fees: the cost of Having the Card

To offset the $85 annual fee, you need to spend about $5,500 a year, assuming a point value of 1.56 cents each. With a monthly spend of about $2,000, you’ll pay off the fee in three months. This is assuming you spend $5,500 on purchases that receive only one point per dollar. If you spent $1,100 at Marriott properties, for example, you’ll get 5X points and earn the same 5,500 points.

While the 80,000 points sign-up bonus certainly justifies paying the $85 annual fee for the first year, the ongoing value of the card depends on how much you use it and whether you stay at the Marriott family of hotels. This is where you’ll receive the highest earnings potential and the best redemption values.

Late Payment Fee:
Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more
Balance Transfer Fee:
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign Transaction Fee:
0%
Annual Fee:
$85

See What It Takes to Cover an Annual Fee:

Your Average Monthly Spend
Months to Cover Annual Fee
5 months

Recommendations

We strongly recommend to spend not less than $3,080 per months to cover the annual fee in three months.

We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the Marriott Rewards ® Premier credit card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.

These estimates are based on an annual monthly spend of $2,000

First Year

Signup Bonus
$736
Anniversary Bonus
Everyday Rewards
$221
Statement Credit
Free Bags
Earnings
$957
Foreign Transaction Fees
-$0
APRS Charges
-$0
Annual Fee
-$85
Charges
-$85
Rewards Earned First Year
$872

Second Year

Signup Bonus
Anniversary Bonus
Everyday Rewards
$221
Statement Credit
Free Bags
Earnings
$221
Foreign Transaction Fees
-$0
APRS Charges
-$0
Annual Fee
-$85
Charges
-$85
Rewards Earned Second Year
$136

Top 5 Benefits of the Marriott Rewards ® Premier Credit Card

With a generous sign-up bonus, the ability to earn additional rewards points quickly and the earning potential from bonus category purchases, building an initial bank of Marriott Rewards points is simple and easy. A free annual stay, automatic elite status and access to an expansive hotel network for point redemptions makes the Marriott Rewards Premier credit card a good choice for the traveler frequenting the Marriott family of properties.

  1. A Generous Sign-Up Bonus: This card comes with a huge sign-up bonus of 80,000 points. The bonus alone could equal as many as 13 free nights at category 1 properties utilizing PointSavers.
  2. Ongoing Earning Potential: In addition to the sign-up bonus, you can earn points for adding an authorized user, referring others to sign up for the card, and bonus-earning categories that include 5X at Marriott, Ritz-Carlton and Starwood hotels and 2X on certain travel expenses.
  3. Automatic Elite Status: Each year, 15 nights toward status are granted to the cardholder. Silver Elite status requires only 10 nights.
  4. You’ll be paying an annual fee of $85 for the Marriott Rewards Premier credit card, but the value of the annual free night alone can offset the fee.
  5. Excellent Domestic Redemptions: Expansive Hotel Network: With over 5,800 properties in 110 countries, you’re sure to be able to redeem your Marriott Rewards points for the perfect hotel room.

Should You Get the Marriott Rewards ® Premier Credit Card?

The Marriott Rewards Premier card is perfect for the traveler seeking a co-branded hotel credit card. With Marriott’s extended network of worldwide hotels, which now includes Starwood properties, you’ll have the ability to redeem points at over 5,800 properties in 110 countries. The sign-up bonus of 80,000 points could fund an entire vacation’s worth of free hotel accommodations. However, with no foreign transaction fees, automatic elite status and an annual free hotel night, the ongoing value of the card more than offsets the $85 annual fee.

The ability to earn points through paid hotel stays, everyday purchases, making referrals and adding authorized users results in expedited earnings. Add the flexible transfer opportunity of Marriott Rewards points to the SPG Rewards program and the card becomes a no-brainer.

The wild card is whether the Marriott card will continue to be offered if or when the Marriott Rewards and Starwood Preferred Guest programs are combined or a new program is created. You may want to secure the card while you still can.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • Now that Marriott has merged with Starwood, Marriott Rewards Points are transferrable to Starwood Preferred Guest at a ratio of 3 Marriott Rewards Points to 1 SPG point. You must first transfer points to SPG which will then allow you to book hotel nights at Starwood properties. With the addition of Starwood properties to the portfolio, Marriott Rewards points are now redeemable directly or indirectly at over 5,800 hotel properties throughout the world. This opens up the possibility for luxury and aspirational property redemptions at some of the high-end SPG properties.

  • Points don’t expire in the program as long as you’re an active member in the Marriott Rewards program, which is separate from the credit card. Points that have been earned on the credit card but have not yet been transferred to the Marriott Rewards Program will be lost if the credit card is closed, so you’ll want to make sure all points have transferred if you are not going to renew the credit card.

    Points that are in the Marriott Rewards Program expire after 24 months of inactivity. It’s easy to keep your account active, though, through the following activities: purchasing points, staying and earning points at a participating property, redeeming points, transferring points and using the Marriott credit card.

  • Points don’t expire in the program as long as you’re an active member in the Marriott Rewards program, which is separate from the credit card. Points that have been earned on the credit card but have not yet been transferred to the Marriott Rewards Program will be lost if the credit card is closed, so you’ll want to make sure all points have transferred if you are not going to renew the credit card.

    Points that are in the Marriott Rewards Program expire after 24 months of inactivity. It’s easy to keep your account active, though, through the following activities: purchasing points, staying and earning points at a participating property, redeeming points, transferring points and using the Marriott credit card.

  • The short answer to this question is yes. You can utilize the search tool on the Marriott Rewards web site to find and book airline tickets as well as rental cars. If you do not have enough points to pay for your entire purchase, you can select a combination of using points and paying the remaining amount with your credit card.

    You can also transfer Marriott Rewards points directly to the airlines and receive miles. You can then use the miles to purchase an award ticket. The downside of using your Marriott Rewards points for airline tickets is the lack of value you receive for your points. Even when transferring Marriott Rewards points to the airline, you must spend 10,000 points to receive as few as 1,500 to 2,000 frequent flier miles, depending on the airline.

  • The Marriott Rewards Premier Business credit card is considered a separate product from the Marriott Rewards Premier credit card. Therefore, you can apply for both of these Chase credit cards. The annual fee for the Marriott Rewards Premier credit card is $85, and the fee for the Marriott Rewards Premier Business credit card is $99.

    If you have not held the cards within the last 24 months, you should receive the sign-up bonus for each card after completing the minimum spend. The sign-up bonuses would more than offset the fees. Plus, you’ll receive 2 stays at category 1-5 hotels at renewal, one for each credit card.

  • For the best return, you would do better with a credit card that earns more than one point per dollar on most purchases. With the Marriott card, you’ll earn the most by using it for bonus-category purchases, such as stays at Marriott, Ritz-Carlton and Starwood properties, which earn 5X points. If you spend a lot on other travel expenses, you’ll also fare well with earning double points for airfare purchased directly from airlines, rental cars and dining out. Outside of these bonus categories, you’ll only earn one point per dollar.

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Marriott Rewards® Premier Credit Card
For Excellent/Good Credit
Check which Chase card is the right fit for you
How to Apply for this card

To apply for this offer please contact
Chase Bank

Other Marriot Rewards™ cards

While the cards below don’t all share the name Marriott, they are all part of the same family of hotels. Marriott Rewards and Ritz-Carlton Rewards programs have different names, but are essentially the same. In fact, you can’t belong to both programs. That means the Marriott and Ritz cards are basically part of the same loyalty program. Since Marriott purchased Starwood, you can now link your Marriott Rewards or Ritz-Carlton Rewards account to your SPG account. Keep in mind, though, that Marriott/Ritz- Carlton points are not the same as SPG points. You can transfer between programs, but at a rate of 3 Marriott/Ritz-Carlton points to 1 SPG point.

Marriott Rewards® Premier Business credit cardMarriott Rewards® Premier Business credit cardThe Ritz-Carlton Rewards® Credit CardThe Ritz-Carlton Rewards® Credit Card
Sign-up bonus
80,000 points80,000 points0 points
Annual Fee
$99$85$450
APR On Purchases
16.99% to 23.99% Variable±16.99% to 23.99% Variable±16.99% to 23.99% Variable±
Foreign Fee
0%0%0%
Bonus Value
$736$736$0
Second Year Value
$221$221$360

Because of the exchange rates between programs, the SPG Amex card’s 25,000 points sign-up bonus is worth 3X the Marriott Rewards points, or 75,000 points. While the Marriott Rewards Premier credit card and Marriott Rewards Premier Business credit card both offer an 80,000 points sign-up bonus, you can earn additional points immediately by adding an authorized user and with referrals. This makes the sign- up bonuses on these cards slightly more attractive.

The main advantage of the Marriott Rewards Premier Business credit card over the personal card is that it offers additional 2X bonus categories , including offices supplies, internet, cable and phone purchases.

The Ritz-Carlton card is a completely different animal, though, because of its huge $450 annual fee. It’s a premium card with outstanding benefits, but if you don’t use the perks, it won’t be worth the additional cost. The card does come with a $300 annual credit for travel purchases; Gold Elite status at Ritz- Carlton, Marriott and the equivalent with SPG; Global Entry fee reimbursement; Priority Pass lounge access and seven nights of room upgrades.

Compare Marriott Rewards ® Premier Credit Card to Other Cards

The Marriott Rewards Premier credit card wins when your travel goals include staying at the Marriott family of properties. The 5X bonus earnings on those purchases won’t be matched with other rewards cards. You’ll also fare well when it comes time for redemptions at those hotel properties.

If you’re looking for broader redemption options, including a wider variety of travel partners with better transfer rates and statement credits, there are other, more suitable options than the Marriott Rewards Premier credit card.

80,000points offer
Marriott Rewards® Premier Credit Card

Check if Marriott Rewards® Premier Credit Card is the best option for you

While the Marriott Rewards Premier and Chase Sapphire Preferred cards are both good for travel purchases, earning 1X for that bonus category, if you spend a lot on travel for your business, you may want to consider the Ink Business Preferred credit card for the maximum earning potential. Travel, shipping, advertising, internet, cable and phone expenses all receive 3X points on up to $150,000 in purchases, making this card a good choice for the business owner.

The generous 80,000 points sign-up bonus on the Ink Business Preferred credit card equates to $1,000 in travel when redeemed via Chase Ultimate Rewards Travel portal. Chase Ultimate Rewards can also be redeemed for statement credits at a value of one cent each.

If you’re not looking for a business card, consider the popular Chase Sapphire Preferred Card. You’ll earn 2X points on travel and dining and reap all the additional benefits of redemption through the Ultimate Rewards program. The 50,000 points sign-up bonus on the Chase Sapphire Preferred Card equates to $625 when used for travel purchased through the Ultimate Rewards travel portal and potentially a lot more once transferred. You’ll have a lot of flexibility with seven airline partners offering 1:1 transfers. A credit card that earns Ultimate Rewards should definitely be in your portfolio of credit cards.

That said, if Marriott (or Starwood) is your brand of choice, then you will do well with the Marriott Rewards Premier credit card. I would, however, consider supplementing it with a credit card that earns points that are transferrable to airlines at a 1:1 ratio, such as the Ultimate Rewards card.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details

Excellent credit score
Issuer
JPMorgan Chase & Co.JPMorgan Chase & Co.
Use miles
Yes
Pay with points
No

Flight Features

Available airline
Any
Loyalty Program
Marriott Rewards®
Flights Type
Domestic and International
Alliance
Not a member

Travel Partners

Airlines
Yes
Hotels
Yes
Car Rental
Yes
Cruise
Yes

Card Terms and Conditions

While it's easy to focus on the rewards offered by the Marriott Rewards ® Premier credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with the Visa card.

Purchases

Intro APR:
See Terms and Conditions
Intro APR for balance transfers:
See Terms and Conditions
Ongoing APR:
16.99% to 23.99% Variable±
Minimum Grace Period:
21 days
Extended Warranty Protection:
On eligible U.S. manufacturer’s warranties of three years or less, this coverage extends the time period by an additional year.
Purchase Protection:
Rest assured with purchase protection that provides coverage for damage or theft for up to $500 per claim and up to $50,000 per account. The coverage applies for up to 120 days after a new purchase.

Cash Advance Features

Ongoing APR:
25.99% Variable±
Cash Advance Fee:
Either $10 or 5% of the amount of each transaction, whichever is greater

Security and Protections

The Marriott Rewards Premier credit card travels well with the added security and chip technology. You can also access your card account via the Chase Mobile Banking app during your travels. Since you have the ability to set up a fraud alert for unusual activity, the combination adds an additional layer of security while on the go.

Account alerts:
You can ask to be alerted when a variety of activity occurs, including international charges, large purchases or even when your bill is due.
Zero Liability for Unauthorized Purchases:
You won’t be held responsible for unauthorzied charges to your account.
EMV Chip Technology:
Get global acceptance and enhanced security at merchants that use chip enabled terminals.

Mobile Banking

Marriott Rewards Premier credit card account information can be accessed via the Chase Mobile banking app on your smart phone. Enabling a mobile payment solution with the credit card also makes for quick, secure payment transactions.

Chase Mobile Banking:
This feature is convenient for checking activity on your Marriott Rewards Premier credit card while traveling.
Apple Pay, Android Pay and Samsung Pay:
Touch and tap for a safe and simple way to pay for your purchases.
Visa Checkout:
Pay a variety of online merchants securely with Visa Checkout.

Additional Cardholder Benefits

When using your Marriott Rewards Premier credit card for purchasing airline tickets, rental cars or other travel purchases, you may receive additional value-added benefits. These are the Visa Signature benefits that come with the Marriott card:

Visa Signature Travel Benefits

Auto Rental Collision Damage Waiver:
You must decline the rental car company’s coverage and charge the entire rental to your Marriott Rewards Premier credit card. Theft and collision coverage is provided for most rentals in the U.S. and abroad. The coverage provided on your credit card is secondary to your personal auto insurance coverage for U.S. rentals.
Emergency Cash Advance and Card Replacement:
If you’re traveling and your card is stolen or lost, you can receive a cash advance and get your card replaced quickly.
Lost Luggage Reimbursement:
If you or your immediate family experience lost or damaged luggage, you may receive up to $3,000 per passenger.
Trip Cancellation/Interruption Insurance:
If your trip is cancelled or interrupted by a covered situation, such as illness or severe weather, non-refundable travel expenses will be reimbursed up to $5,000.
Trip Delay Reimbursement:
For a flight delay of 12 hours or more, unreimbursed expenses may be covered up to $500.
Travel and Emergency Assistance Services:
Emergency legal, travel and medical referral assistance is provided. The additional fees incurred for actual services are the responsibility of the cardholder.