Best Marriott Credit Cards of 2024: Exclusive Benefits and Rewards (2024)

Personal Finance Credit Cards

Written by Jasmin Baron; edited by Katherine Fan; reviewed by Angela Fung

  • Marriott Bonvoy Brilliant® American Express® Card
  • Marriott Bonvoy Boundless® Credit Card
  • Marriott Bonvoy Business® American Express® Card
  • Marriott Bonvoy Bold® Credit Card
  • Marriott Bonvoy Bevy™ American Express® Card
  • Marriott Bonvoy Bountiful™ Card
  • The Platinum Card® from American Express
  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • FAQs
  • Why You Should Trust Us

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The information for the following product(s) has been collected independently by Business Insider: Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Bountiful™ Card, Starwood Preferred Guest® American Express Luxury Card review. The details for these products have not been reviewed or provided by the issuer.

Introduction to Marriott Credit Cards

Marriott is the largest hotel company in the world, with nearly 9,000 properties across more than 30 brands in 139 countries and territories. Marriott includes familiar favorites like Fairfield Inn, Four Points by Sheraton, Residence Inn, and Aloft — but you can also redeem points for luxury stays at upscale brands such as St. Regis, Ritz-Carlton, and W Hotels.

Why Choose A Marriott Credit Card?

If Marriott Bonvoy is your hotel program of choice, it can make sense to have a rewards credit card to enjoy perks like bonus points, complimentary elite status, free reward nights, elite night credits, and more.

Marriott credit cards are some of the best hotel credit cards for earning free nights and valuable hotel elite status. Here's an in-depth look at the ones currently available to new applicants.

Compare the Top Marriott Credit Cards

Best for premium Marriott benefits

Marriott Bonvoy Brilliant® American Express® Card

Apply now

On American Express's website

Insider’s Rating

4.3/5

Perks

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

Annual Fee

$650

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 Marriott Bonvoy bonus points

Recommended Credit

Good to Excellent

Pros

  • Annual statement credits can save you money on Marriott stays
  • You get a free reward night each year after your renewal month

Cons

  • High annual fee
  • Other cards are more rewarding for earning points on your spending

Insider’s Take

If you're loyal to Marriott, the Marriott Bonvoy Brilliant® American Express® Card can help you save money and improve your stays, thanks to automatic Marriott Platinum elite status and lots of opportunities to earn additional points.

Marriott Bonvoy Brilliant® American Express® Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.

Best for occasional Marriott guests

Marriott Bonvoy Boundless® Credit Card

Best Marriott Credit Cards of 2024: Exclusive Benefits and Rewards (2)

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn up to 17X points on purchases at hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account opening

Earn 3 Free Night Awards (each night valued up to 50,000 points)

Recommended Credit

Good to Excellent

Pros

  • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee

Cons

  • The only lucrative bonus category is participating Marriott Bonvoy hotels
  • Upgrading to Gold status requires spending $35,000 on the card in an account year

Insider’s Take

If you want to earn Marriott points on your everyday spending, the Marriott Bonvoy Boundless® Credit Card is a great option with a reasonable annual fee and a generous welcome bonus offer. It comes with good benefits, including a free night award each card anniversary and elite status credits for meeting spending thresholds.

Marriott Bonvoy Boundless Card review External link Arrow An arrow icon, indicating this redirects the user."

Best for business travelers who prefer Marriott

Marriott Bonvoy Business® American Express® Card

Apply now

On American Express's website

Insider’s Rating

4.25/5

Perks

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.

Annual Fee

$125

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn three Free Night Awards, valued at up to 50K points each for eligible stays, after you use your new card to make $6,000 in eligible purchases within the first six months of card membership

Earn Three Free Night Awards

Recommended Credit

Good to Excellent

Pros

  • Comes with a free night reward every year after your card renewal month
  • Earns 4x points on several bonus spending categories, including U.S. purchases for shipping and restaurants worldwide
  • Complimentary Marriott Bonvoy Gold elite status

Cons

  • Not the best option for earning rewards on non-bonus category purchases
  • $125 annual fee may not be worth it for less frequent Marriott guests

Insider’s Take

Small-business owners with a credit card strategy of free hotel stays will get a lot of value from this card. Even if you own a part-time business or have a side hustle, the Marriott Bonvoy Business® American Express® Card is a great pick.

Marriott Bonvoy Business Amex Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Welcome Offer: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.

Best Marriott card with no annual fee

Marriott Bonvoy Bold® Credit Card

Best Marriott Credit Cards of 2024: Exclusive Benefits and Rewards (4)

Insider’s Rating

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

3.6/5

Perks

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services. Earn 1X point for every $1 spent on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 bonus points and one free award night after you spend $2,000 on purchases in the first three months from account opening

Earn 60,000 bonus points and one free night award

Recommended Credit

Good to Excellent

Pros

  • No annual fee
  • Cardholders get 15 elite night credits toward status

Cons

  • Only offers strong rewards for Marriott purchases

Insider’s Take

The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.

Marriott Bonvoy Bold® Credit Card review External link Arrow An arrow icon, indicating this redirects the user."

Best Amex card for earning Marriott Bonvoy points fast

Marriott Bonvoy Bevy™ American Express® Card

Apply now

On American Express's website

Insider’s Rating

3.4/5

Perks

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

Annual Fee

$250

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Earn 85,000 Marriott Bonvoy bonus points

Recommended Credit

Good to Excellent

Pros

  • Substantial welcome offer and 4x bonus points on dining worldwide and U.S. supermarkets
  • Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays)
  • Earn 1,000 bonus Marriott points per stay

Cons

  • High annual fee
  • No free night award after your account anniversary; must spend $15,000 in a year to earn
  • 4x points capped at $15,000 in combined purchases on dining and U.S. supermarkets

Insider’s Take

The Marriott Bonvoy Bevy™ American Express® Card is worth considering if you stay with Marriott often, want to earn points fast, and don't mind paying a high annual fee for better earning rates and premium travel perks like Gold elite status. But the card has some notable caveats compared to some other Marriott Bonvoy credit cards that affect its overall appeal.

Marriott Bonvoy Bevy™ American Express® Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
  • Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
  • Earn 2X points on all other eligible purchases.
  • Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
  • With complimentary Marriott Bonvoy Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit, available for Qualifying Rates.
  • Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
  • $250 Annual Fee.
  • Terms Apply.

Best Chase card for earning Marriott Bonvoy points fast

Marriott Bonvoy Bountiful™ Card

Best Marriott Credit Cards of 2024: Exclusive Benefits and Rewards (6)

Insider’s Rating

3.4/5

Perks

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X points on the first $15,000 in combined purchases each year on grocery stores and dining. Earn 2X points on all other purchases.

Annual Fee

$250

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening

Earn 85,000 bonus points

Recommended Credit

N/A

Pros

  • Substantial welcome offer and 4x bonus points on dining worldwide and U.S. supermarkets
  • Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays)
  • Earn 1,000 bonus Marriott points per stay

Cons

  • High annual fee
  • No free night award after your account anniversary; must spend $15,000 in a year to earn
  • 4x points capped at $15,000 in combined purchases on dining and U.S. supermarkets

Insider’s Take

The Marriott Bonvoy Bountiful™ Card comes with automatic Gold elite status and other perks that appeal to frequent Marriott travelers. However, it's got a $250 annual fee, so unless you can maximize its benefits, a different Marriott card would be a better fit.

Marriott Bonvoy Bountiful™ Card review External link Arrow An arrow icon, indicating this redirects the user."

Best for elite status

The Platinum Card® from American Express

Apply now

On American Express's website

Insider’s Rating

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Annual Fee

See Rates and Fees

$695

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership

Earn 80,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros

  • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Annual statement credits with Saks and Uber

Cons

  • Bonus categories leave something to be desired
  • One of the highest annual fees among premium travel cards

Insider’s Take

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

Amex Platinum Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best for travelers who also like to stay at other hotels

Chase Sapphire Preferred® Card

Apply now

On Chase's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

Annual Fee

$95

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Intro Offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • High intro bonus offer starts you off with lots of points
  • Strong travel coverage

Cons

  • Doesn't offer a Global Entry/TSA PreCheck application fee credit

Insider’s Take

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

Sapphire Preferred Card review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for travelers who also like to stay at other hotels and want premium benefits

Chase Sapphire Reserve®

Apply now

On Chase's website

Insider’s Rating

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

4.4/5

Perks

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

Annual Fee

$550

Intro APR

N/A

Regular APR

22.49% - 29.49% Variable

Intro Offer

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 60,000 bonus points

Recommended Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros

  • Annual travel credit can effectively shave $300 off the annual fee if you use it
  • Strong travel insurance
  • Strong bonus rewards on travel and dining

Cons

  • Very high annual fee

Insider’s Take

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

Chase Sapphire Reserve review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC

Best Marriott Credit Cards of 2024

  • Marriott Bonvoy Brilliant® American Express® Card: Best for premium Marriott benefits
  • Marriott Bonvoy Boundless® Credit Card : Best for occasional Marriott guests
  • Marriott Bonvoy Business® American Express® Card: Best for business travelers who prefer Marriott
  • Marriott Bonvoy Bold® Credit Card : Best Marriott card with no annual fee
  • Marriott Bonvoy Bevy™ American Express® Card: Best Amex card for earning Marriott Bonvoy points fast
  • Marriott Bonvoy Bountiful™ Card : Best Chase card for earning Marriott Bonvoy points fast
  • The Platinum Card® from American Express: Best for elite status
  • Chase Sapphire Preferred® Card: Best for travelers who also like to stay at other hotels
  • Chase Sapphire Reserve®: Best for travelers who also like to stay at other hotels and want premium benefits

Marriott Credit Card Reviews 2024

Best for Premium Marriott Benefits: Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card is the ultimate travel companion for Marriott loyalists.

This card has several valuable benefits, including up to $300 in statement credits each year to use at restaurants worldwide (up to $25 a month), and an annual Free Night Award.

The Bonvoy Brilliant gets you a free night award each year for properties that cost up to 85,000 points.The card also gets you complimentary Marriott Bonvoy Platinum Elite Status, and 25 annual Elite Night Credits. If you're hoping to earn lifetime elite status, these annual credits (and automatic Platinum status) can help you get there without relying completely on booking Marriott stays.

If you have other premium credit cards that also offer benefits like free Priority Pass airport lounge access** and a Global Entry or TSA PreCheck application fee credit, the Marriott Bonvoy Brilliant® American Express® Card really only stands out for its high-end Marriott benefits. But if you frequently stay at Marriott hotels, you'll find those perks to be very useful for saving money and enjoying elite status perks.

This card has an annual fee of $650.

Marriott Bonvoy Brilliant Amex Card Review

Best for Occasional Marriott Stays: Marriott Bonvoy Boundless® Credit Card

The Marriott Bonvoy Boundless® Credit Card is a great option for occasional travelers looking to maximize their Marriott stays. Consider this one if you want to book your next Marriott stay on points and enjoy a few extras, but don't stay at Marriotts enough to warrant paying $650 a year for the Marriott Bonvoy Brilliant® American Express® Card.

Cardholders receive a free night certificate, valid at hotels that cost 35,000 points or less, each year on their card anniversary — which can be worth much more than the card's $95 annual fee.

The card offers low-level Silver status with Marriott, and if you spend $35,000 on the card in a calendar year, you'll be upgraded to Gold status. If you don't want to spend that much, you can also get Gold status as a complimentary benefit with the Marriott Bonvoy Bountiful™ Card,Marriott Bonvoy Bevy™ American Express® Card, Marriott Bonvoy Business® American Express® Card, and The Platinum Card® from American Express.**

Marriott Bonvoy Boundless Credit Card Review

Best for Business Owners who Favor Marriott: Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card offers exceptional value for frequent travelers. It's currently offering three Free Night Awards, valued at up to 50,000 points each for eligible stays, after you use your new card to make $6,000 in eligible purchases within the first six months of card membership.

The card also offers helpful perks like complimentary Gold elite status and an annual free night award valid at hotels that cost up to 35,000 points. It also earns 4 Marriott points per dollar on a handful of business spending categories, like U.S. shipping purchases. Plus, it now offers a 7% discount on eligible bookings made directly with Marriott for participating properties, so it could help you save money if you frequently book paid stays.

The Marriott Bonvoy Business Amex Card rewards high spenders with a second free night award each year after their account anniversary when they spend $60,000 or more in a calendar year.

Marriott Bonvoy Business Amex Card Review

Best for No Annual Fee: Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold® Credit Card has a decent list of benefits for a no-annual-fee credit card, so if you want to earn Marriott points without incurring a yearly cost, it's worth considering.

You'll also get perks like no foreign transaction fees, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, purchase protection, and Visa Signature Concierge access.

Marriott Bonvoy Bold Credit Card Review

Best Amex Card for Quickly Earning Bonvoy Points: Marriott Bonvoy Bevy™ American Express® Card

The new Marriott Bonvoy Bevy™ American Express® Card offers bonus points on eligible hotel purchases and everyday spending categories, for a $250 annual fee.

It's currently offering a welcome bonus of 85,000 Marriott Bonvoy bonus points after you use your new card to make $5,000 in purchases within the first six months of card membership (worth about $595 in stays based on Business Insider'spoints and miles valuations). It also comes with complimentary Gold Elite status and 15 annual elite night credits.

One of Marriott Bonvoy Bevy™ American Express® Card's most notable perks is 1,000 bonus points for each qualifying stay when you pay with your card, which is a quick and easy way to rack up points. However, unlike similar Marriott Bonvoy cards, cardholders won't receive an automatic anniversary free night. Instead, you can earn a free night award worth up to 50,000 points after making $15,000 in purchases per year.

Marriott Bonvoy Bevy Credit Card Review

Best Chase Card for Quickly Earning Bonvoy Points: Marriott Bonvoy Bountiful™ Card

This card can offer exceptional value for frequent travelers. Marriott Bonvoy Bountiful™ Card offers similar rewards, bonuses, and Marriott Bonvoy perks as the Amex co-branded version (Marriott Bonvoy Bevy™ American Express® Card) also for a $250 annual fee.

This card offers 85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening, worth about $595 in travel according to Insider's valuations.

Cardholders earn 6x points on participating hotel purchases, as well as 4x points at global restaurants and U.S. supermarkets on up to $15,000 in combined spending per year (then 2x), and 2x points on all other eligible purchases).

Marriott Bonvoy Bountiful Card Review

Best for Complimentary Elite Status: The Platinum Card® from American Express

The Amex Platinum Card is a good option if you want to enjoy perks when you stay at Marriott hotels, but you aren't necessarily a Marriott loyalist. That's because it offers complimentary Marriott Bonvoy Gold status to cardholders — along with complimentary Hilton Honors elite status**.

Marriott Bonvoy Gold status gets you benefits like room upgrades, late checkout, a 25% points bonus on paid stays, and a welcome gift.

Keep in mind that the Amex Platinum Card is a premium card — with a $695 annual fee — so you'll want to make sure you can take advantage of its many other valuable benefits before applying.

It's currently offering a sky-high welcome bonus of 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. Based on Insider's valuation of Amex points, that's worth around $1,440 in travel.

American Express Platinum Card Review

Best for Brand-Agnostic Travelers: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is our top travel credit card recommendation because you can use the Ultimate Rewards points it earns to book travel with a great selection of Chase transfer partners — including Marriott Bonvoy.

The Chase Sapphire Preferred® Card offers a solid bonus: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Insider pegs Chase points as worth 1.8 cents each, on average, making the bonus worth about $1,080 in travel. Because you can transfer Chase Ultimate Rewards® points to Marriott Bonvoy at a 1:1 ratio, you can consider this bonus as an equal number of Marriott points.

Overall, the Chase Sapphire Preferred® Card is a strong pick because it earns bonus points on a wide variety of travel and dining purchases, and it gets you valuable travel insurance, all for a reasonable annual fee of $95.

Chase Sapphire Preferred Card Review

Best for Brand-Agnostic Premium Travel: Chase Sapphire Reserve®

The Chase Sapphire Reserve® is definitely a premium option with a$550 annual fee — but if you want a travel card with all the bells and whistles, it's a top contender. It's currently offering 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth around $1,080 in travel, based on Insider's valuation of Chase points.

The card's $300 in statement credits for travel effectively cuts the annual fee down to $250, and other benefits with Lyft, DoorDash, and Instacart can add extra value.

As with the Chase Sapphire Preferred® Card, you can transfer the points you earn with the Chase Sapphire Reserve® to Marriott Bonvoy.

Chase Sapphire Reserve Credit Card Review

What You Should Know About Marriot Credit Cards

Comparing Marriott credit cards is best done by evaluating your personal needs and travel habits against the benefits and rewards available on each card.The right Marriott card will hit the perfect sweet balance of benefits and annual fees for your lifestyle.

Our guide helps you choose the right Marriott credit card out of all of the options available to you so you can make an informed decision.

Maximizing Benefits of the Marriott Credit Card

You'll get the most out of your Marriott credit card points, upgrades, and perks if you carefully track the rewards on your particular card and remember to utilize them before they expire. Our guide to the best reward tracking apps can help you maintain your benefits in one convenient destination.

Can You Have More Than One Marriott Credit Card?

You can have more than one Marriott credit card, but Marriott does have some complicated application rules.

For Chase-issued cards, the Chase 5/24 rule applies, which means you won't be approved if you've opened five or more cards (from any bank) in the past 24 months. And for Amex cards, you're not eligible if you've received the bonus on the exact same card before (the "once per lifetime rule").

In addition, each card has its own restrictions. Generally speaking, if you've recently opened or received a bonus on one Marriott card, you won't be able to open a different one for a specified amount of time. You can find the card's specific rules under "Offer and Benefits Terms" on the card application page.

For example, to be eligible for the bonus on the Marriott Bonvoy Brilliant® American Express® Card, you can't have or have had that exact card (or the Starwood Preferred Guest® American Express Luxury Card review which is no longer available to new applicants). You also won't qualify for the bonus if:

  • You are a current cardmember, or were a previous cardmember within the last 30 days, of The Ritz-Carlton™ Credit Card from JPMorgan or J.P. Morgan Ritz-Carlton Rewards® Credit Card
  • You've opened the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ Card in the last 90 days
  • In the last 24 months, you've received a new cardmember bonus offer or upgrade offer for the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, orMarriott Bonvoy Bountiful™ Card

Marriott Bonvoy Credit Card Frequently Asked Questions

What makes a Marriott credit card worth it?

Marriott credit cards are worth it even for those who stay at Marriott just a couple of times each year. Most cards come with a free night certificate and hotel elite status that can single-handedly offset the annual fee. That said, if you're not particularly loyal to Marriott or spread your travel among several brands, a travel credit card that earns transferable points is probably a better bet. You'll earn flexible rewards you can use for hotels, flights, and other travel, without being locked into a single loyalty program.

What credit score do you need for a Marriott credit card?

You'll typically need at least good credit to excellent credit to qualify for any of the Marriott credit cards, which means a FICO score of at least 670.

Can Marriott credit card points be transferred to airline miles?

Yes, Marriott points transfer to 40 airline and hotel partners.

Are there any annual fees on Marriott credit cards?

Yes, some Marriott credit cards have annual fees. The Marriott Bonvoy Bold® Credit Card does not have an annual fee, ranging up to the Marriott Bonvoy Brilliant® American Express® Card which has a $650 annual fee.

How does the Marriott credit card enhance my travel experience?

Marriott credit cards often come with complimentary elite status, extra benefits, bonus points and other benefits that can make your Marriott stay more enjoyable.

Do Marriott points expire?

Marriott points expire if your account doesn't have any qualifying activity in 24 months. But it's relatively easy to keep Marriott points from expiring — earning points from co-branded credit cards, stays, points transfers from flexible points programs, and converting points to miles can all reset the clock.

How much are 125,000 Bonvoy points worth?

125,000 Bonvoy points are worth $875 toward Marriott Bonvoy hotel stays, according to Business Insider's points valuations. However, you could get more or less value depending on where you redeem your points.

Why You Should Trust Us: How We Chose the Best Marriott Credit Cards

We've included more than just co-branded Marriott credit cards in this roundup because certain non-branded cards offer better opportunities to earn rewards and book free stays for certain situations.

Business Insider's credit card writers and editors have examined all cards on the market to give Marriott fans the best possible options — those that provide concrete Marriott-specific perks, as well as other benefits that will upgrade the rest of your travels.

Read Business Insider's guide to how we rate and review credit cards for more about our methodology.

Jasmin Baron

Editor

Jasmin Baron was an editor at Insider, responsible for credit card coverage on Business Insider. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.

Angela Fung

Marketing Compliance Manager

Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.

Top Offers From Our Partners

Best Marriott Credit Cards of 2024: Exclusive Benefits and Rewards (12)

Chime® Checking Account Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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

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

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

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

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FAQs

Best Marriott Credit Cards of 2024: Exclusive Benefits and Rewards? ›

The Marriott Bonvoy Brilliant® American Express® Card is Marriott's top-tier credit card. Welcome offer: Earn 185,000 Marriott Bonvoy points after spending $6,000 in eligible purchases on your card within the first six months of card membership. Offer ends Oct. 2.

What is the highest level of Marriott Rewards? ›

  • Member status. Stay 0 - 9 nights/year. view benefits.
  • Silver Elite. Stay 10 nights/year. VIEW BENEFITS.
  • Gold Elite. Stay 25 nights/year. VIEW BENEFITS.
  • Platinum Elite. Stay 50 nights/year. VIEW BENEFITS.
  • Titanium Elite. Stay 75 nights/year. VIEW BENEFITS.
  • Ambassador Elite. Stay 100+ nights/year + $23,000+ USD Annual Qualifying Spend.

How do you earn 185000 bonus points with Marriott Bonvoy? ›

The Marriott Bonvoy Brilliant® American Express® Card is Marriott's top-tier credit card. Welcome offer: Earn 185,000 Marriott Bonvoy points after spending $6,000 in eligible purchases on your card within the first six months of card membership. Offer ends Oct. 2.

Which Marriott card gives lounge access? ›

On top of Priority Pass Select lounge access once you enroll, the Marriott Bonvoy Brilliant is packed with benefits for Marriott loyalists, including complimentary Marriott Bonvoy Platinum Elite status, a Free Night Award every year and elevated earnings on Marriott stays.

What credit card has Marriott Platinum status? ›

You will receive complimentary Marriott Bonvoy Platinum Elite status with your Marriott Bonvoy Brilliant® American Express® Card. This complimentary Platinum Elite status benefit is only available to the Basic Card Member.

How to get Marriott Lifetime Platinum? ›

You must earn 600 Qualifying Nights and 10 years as Platinum Elite or higher to achieve Lifetime Platinum Elite status. Marriott Bonvoy® would love to welcome you to the Lifetime Platinum Elite community!

What is higher than Marriott Titanium Elite? ›

Marriott Bonvoy® offers six levels of membership: Basic, Silver Elite, Gold Elite, Platinum Elite, Titanium Elite and Ambassador Elite. Depending on your Marriott rewards level, you could score late checkouts, room upgrades and lounge access.

Does the Marriott Bonvoy card pay for TSA PreCheck? ›

Marriott Bonvoy Brilliant® American Express® Card Members are eligible to receive one statement credit every 4 years for the Global Entry application fee or every 4.5 years for the TSA PreCheck application fee (when applying through a TSA official enrollment provider), in each case when charged to their eligible Card.

Does Marriott Gold get M Club access? ›

M Club is a Benefit offered to the following Members: Marriott Bonvoy® Platinum Elite. Marriott Bonvoy® Titanium Elite. Marriott Bonvoy® Ambassador Elite.

Can I have both Amex and Chase Marriott Bonvoy? ›

You can have more than one Marriott credit card

Two financial institutions offer Marriott Bonvoy credit cards: Chase Bank and American Express. This makes it easy to take out more than one card to earn even more bonus points and perks. But if you go this route, be strategic.

How to easily get Marriott Platinum status? ›

While there's just one way to earn Marriott elite status, you can help ease the path by holding a co-branded Marriott credit card. If you're a small business owner, you can stack cards to earn an automatic 30 elite night credits each year — getting you more than halfway to the 50 nights required for Platinum status.

How to be titanium at Marriott? ›

Stay 75 Nights at Marriott Hotels in a Calendar Year

The most straightforward way to get to this number is by actually staying 75 nights, within a calendar year, at Marriott Bonvoy hotels.

What is an elite night credit at Marriott? ›

Elite Night Credits are the number of completed Qualifying Nights you have earned with us. One Elite Night Credit* (ENC) is earned for each completed Qualifying Night you stayed at a Marriott Bonvoy® Participating Property on a Qualifying Rate. Earning Elite Night Credits (ENCs) help you earn Elite Status.

What is Marriott's top tier? ›

Elite Membership Tiers
  • Silver Elite* 10 nights per year. Make the most of your stay. ...
  • Gold Elite. 25 nights per year. Do more of what you love. ...
  • Platinum Elite. 50 nights per year. More room to spread out. ...
  • Titanium Elite. 75 nights per year. ...
  • Ambassador Elite. 100+ nights per year + $23,000+ USD qualifying spend per year.

What is the highest Marriott lifetime status? ›

Please Note: The highest achievable Lifetime Status is Lifetime Platinum. Any years spent as Titanium or Ambassador Elite will count as Lifetime Platinum Qualifying Years.

Is Marriott platinum higher than Gold? ›

Marriott has a total of five published elite status levels; Platinum is the third level you can achieve, after both Silver and Gold status. You'll find a variety of perks, including: 50% bonus on points. Platinum members will earn a 50% bonus on all Marriott Bonvoy® points earned during Marriott stays.

Can I buy more than 100000 Marriott points? ›

Need More Points? You may purchase up to 100,000 points per calendar.

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