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Decoding Marriott's Credit Card Rules: What You Need to Know Before Applying Decoding Marriott's Credit Card Rules: What You Need to Know Before Applying

Decoding Marriott's Credit Card Rules: What You Need to Know Before Applying

Miguel RuedaMark Jackson
by Miguel Rueda and Mark Jackson
January 24, 2025
47

Reviewed byJT Genter

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Offers for the Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card, The Ritz-Carlton™ Credit Card, Marriott Bonvoy Bountiful™ Card, Marriott Bonvoy® Premier Plus Business Credit Card, Marriott Rewards® Premier Plus Credit Card, Marriott Bonvoy Premier Credit Card, Marriott Bonvoy™ American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express and Starwood Preferred Guest® American Express Luxury Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers

If you're someone who likes to collect as many Marriott points as possible, earning bonuses on the bevy of Marriott credit cards issued by American Express and Chase sounds like a great strategy. However, there are a myriad of Marriott application rules created by the issuers to prevent “gaming” in the credit card market.

In addition to restricting you from earning all possible multiple Marriott welcome offers, some restrictions even prevent you from getting certain Marriott co-branded cards if you don't meet certain conditions.

The Marriott application rules for co-branded cards layer on top of application restrictions already in place from each provider, including Amex’s “once per lifetime per card” welcome offer rule and Chase’s 5/24 policy. Each card has a separate policy, and the rules are an elaborate tangle bound to trip up even the most plugged-in points and miles aficionados.

Related: How to Choose Between Marriott Bonvoy® Credit Cards

Marriott Application Rules for Co-Branded Credit Cards

Breaking things down a bit, we’ve compiled the information for Marriott application rules into the table below and listed the new welcome offer restrictions next to the card to which they apply. You'll only find cards open to new applications here on the table; product changes from other Marriott cards won't likely allow you to earn a welcome bonus anyway.

Tip: Use the search tool to enter a card name to see how that card interacts with others.

CARDAPPLICATION RESTRICTIONS
Marriott Bonvoy Bold® Credit CardThis credit card is not available to you if:

(1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® Credit Card, Marriott Rewards® Premier Plus Credit Card, Marriott Bonvoy Bold® Credit Card.

The new cardmember bonus is not available to you if:

(1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy™ American Express® Card, Starwood Preferred Guest® American Express Luxury Card; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy® American Express® Card.
Marriott Bonvoy Boundless® Credit Card (previously the Marriott Rewards® Premier Plus Credit Card)This credit card is not available to you if:

(1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® Credit Card, Marriott Rewards® Premier Plus Credit Card, Marriott Bonvoy Bold® Credit Card.

The new cardmember bonus is not available to you if:

(1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy™ American Express® Card, Starwood Preferred Guest® American Express Luxury Card; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy® American Express® Card.
Marriott Bonvoy Bountiful™ Card This credit card is not available to you if:

(1) you currently have this card or (2) you received a new Cardmember bonus for this card within the last 24 months.

The new cardmember bonus is not available to you if:

(1) you currently have or had any of the following cards within the last 30 days, (2) you applied and were approved for any of the following cards within the last 90 days, or (3) you received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy™ American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy® American Express® Card.
Marriott Bonvoy Bevy® American Express® Card Welcome offer not available to applicants who:

(i) have or have had The Ritz-Carlton™ Credit Card, the J.P. Morgan Ritz-Carlton Rewards® Credit Card, the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, the Marriott Bonvoy® Premier Plus Business Credit Card,the Marriott Bonvoy Premier Credit Card, the Marriott Rewards® Premier Credit Card from Chase, the Marriott Bonvoy™ Credit Card, the Marriott Rewards® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card, the Marriott Bonvoy® Premier Plus Business Credit Card, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business Credit Card, or the Marriott Rewards Business® Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, the Marriott Bonvoy Bold® Credit Card in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, or the Marriott Bonvoy Bold® Credit Card in the last 24 months.
Marriott Bonvoy Brilliant® American Express® Card (previously the Starwood Preferred Guest® American Express Luxury Card)Welcome offer not available to applicants who have or have had:

(i) have or have had The Ritz-Carlton™ Credit Card or the J.P. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, or the Marriott Bonvoy Bold® Credit Card in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, or the Marriott Bonvoy Bold® Credit Card in the last 24 months.
Marriott Bonvoy Business® American Express® Card (previously the Starwood Preferred Guest® Business Credit Card from American Express) Welcome offer not available to applicants who:

(i) have or have had the Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card, the Marriott Bonvoy Business® Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, or the Marriott Bonvoy Bold® Credit Card, in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Bountiful™ Card, the Marriott Bonvoy Boundless® Credit Card, or the Marriott Bonvoy Bold® Credit Card.
St. Regis Bal Harbour entrance
I've used my free nights from Marriott credit cards to stay at swanky places like the St. Regis Bal Harbour / Credit: Mark Jackson

That table is a lot to take in. So, let's break it down by card.

Marriott Bonvoy Bold® Credit Card Application Rules

You can't open the card if…

Chase won't approve you for the Bonvoy Bold if you currently have any of the following cards — or you received a new cardmember bonus for any of the following cards within the last 24 months:

You can't earn the bonus if…

While you can open the card, you won't be eligible for the welcome offer if you currently have or had any of the following cards within the last 30 days:

  • Marriott Bonvoy™ American Express® Card
  • The Starwood Preferred Guest® Credit Card from American Express

… or if you applied and were approved for any of the following cards within the last 90 days or received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months:

If you qualify, here's what's currently on offer for this card:

Marriott Bonvoy Bold® Credit Card
Chase Sapphire Preferred® Card
Learn More
Marriott Bonvoy Bold® Credit Card
Annual Fee$0
Welcome Bonus Earn 60,000 bonus points + 1 Free Night Award after spending $2,000 on eligible purchases within the first 3 months of account opening. Free Night Award valued up to 50,000 points. Certain hotels have resort fees.
Show more
Earning Rates
  • 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
  • 2X points on other travel purchases (from airfare to taxis and trains)
  • 1X point on all other purchases

Marriott Bonvoy Boundless® Credit Card Application Rules

Previous name: Marriott Rewards® Premier Plus Credit Card

You can't open the card if…

If you currently have any of the following cards or you received a new cardmember bonus for any of the following cards within the last 24 months:

You can't earn the bonus if…

While you can open the card, you won't be eligible for the welcome offer if you currently have or had any of the following cards within the last 30 days:

  • Marriott Bonvoy™ American Express® Card
  • The Starwood Preferred Guest® Credit Card from American Express

Or if you applied and were approved for any of the following cards within the last 90 days or received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months:

If you qualify, here's what's currently on offer for this card:

Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
How to Apply
Marriott Bonvoy Boundless® Credit Card
Annual Fee$95
Welcome Bonus Earn five bonus Free Night Awards after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Show more
Earning Rates
  • Earn 6X Bonvoy points per $1 spent participating Marriott Bonvoy hotels, 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining, and 2X points per $1 on all other purchases
  • Earn 3 Marriott Bonvoy® points for every $1 on the first $6,000 spent in combined purchases each year on gas stations, grocery stores, and dining
  • Earn 2X Bonvoy points for every $1 spent on all other purchases

Marriott Bonvoy Bountiful™ Card Application Rules

You can't open the card if…

If you currently have this card or you received a new Cardmember bonus for this card within the last 24 months.

You can't earn the bonus if…

While you can open the card, you won't be eligible for the welcome offer if you currently have or had any of the following cards within the last 30 days, you applied and were approved for any of the following cards within the last 90 days, or you received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months:

If you qualify, here's what's currently on offer for this card:

Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bountiful™ Card
Annual Fee$250
Welcome Bonus Earn 85,000 Marriott Bonvoy points after you spend $4,000 in eligible purchases on their Card in the first three months.
Show more
Earning Rates
  • 6X points on purchases at hotels participating in Marriott Bonvoy
  • 4X points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets
  • 2X points on all other eligible purchases

Marriott Bonvoy Bevy® American Express® Card Application Rules

You can't earn the bonus if…

If you have or have had these cards:

If you have or have had these cards in the last 30 days:

  • The Ritz-Carlton™ Credit Card from J.P. Morgan
  • The J.P. Morgan Ritz-Carlton Rewards® Credit Card
  • Marriott Bonvoy Bountiful™ Card
  • Marriott Bonvoy Boundless® Credit Card
  • Marriott Rewards® Premier Plus Credit Card from Chase
  • The Marriott Bonvoy® Premier Credit Card from Chase
  • The Marriott Rewards® Premier Credit Card from Chase
  • The Marriott Bonvoy® Credit Card from Chase
  • The Marriott Rewards® Credit Card from Chase
  • Marriott Bonvoy Bold® Credit Card
  • Marriott Bonvoy® Premier Plus Business Credit Card
  • The Marriott Rewards® Premier Plus Business Credit Card from Chase
  • Marriott Bonvoy Business Credit Card from Chase
  • The Marriott Rewards Business® Credit Card from Chase

If you have acquired these cards in the last 90 days:

Or if you've received a new Card Member bonus or upgrade offer for these cards in the last 24 months:

If you qualify, here's what's currently on offer for this card:

Marriott Bonvoy Bevy® American Express® Card
Marriott Bonvoy Bevy® American Express® Card
Apply Now
Rates & Fees
(Terms Apply)
Marriott Bonvoy Bevy® American Express® Card
Annual Fee$250
Welcome Bonus Earn up to 135,000 Marriott Bonvoy® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Show more
Why We Like ItHighlightsEarning Rates
The Marriott Bonvoy Bevy® American Express® Card delivers a Free Night Award after spending $15,000 in a calendar year, applicable for one night at hotels in the Marriott Bonvoy program (up to 50,000 points), and receive complimentary Gold Elite status. Enrollment required for select American Express benefits.
  • Earn up to 135,000 Marriott Bonvoy® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your 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 Elite Status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
  • 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.
  • 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.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • Rates & Fees
  • 6X points on purchases at hotels participating in Marriott Bonvoy
  • 4X points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets
  • 2X points on all other eligible purchases

Marriott Bonvoy Brilliant® American Express® Card Application Rules

You can't earn the bonus if…

If you have or have had these cards in the last 30 days:

If you have acquired these cards in the last 90 days:

Or you've received a new Card Member bonus or upgrade offer in the last 24 months from these cards:

If you qualify, here's what's currently on offer for this card:

Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Apply Now
Rates & Fees
(Terms Apply)
Marriott Bonvoy Brilliant® American Express® Card
Annual Fee$650
Welcome Offer Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Show more
Why We Like ItHighlightsEarning Rates
The Marriott Bonvoy Brilliant® American Express® Card offers plenty of value for Marriott enthusiasts: up to $300 yearly in dining credits, Marriott Bonvoy® Platinum Elite status, and a Free Night Award valued at up to 85K points after every card renewal. Earn 6X points at Marriott hotels, 3X on dining and direct airline bookings, and 2X on other purchases. Additional perks include a $100 property credit at select Marriott brands, Global Entry/TSA PreCheck fee credit, 25 annual Elite Night Credits, and a Priority Pass Select membership. Enrollment required for select American Express benefits.
  • Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your 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 the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
  • 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 Brilliant 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 ($120) 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.
  • 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.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • Rates & Fees
  • 6X points on purchases at Marriott Properties
  • 3X points at restaurants worldwide, including takeout and delivery
  • 3X points on flights booked directly with airlines
  • 2X points on all other eligible purchases

Marriott Bonvoy Business® American Express® Card Application Rules

You can't earn the bonus if…

(i) have or have had the Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Bountiful™ Credit Card from Chase, Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase.

If you qualify, here's what's currently on offer for this card:

Marriott Bonvoy Business® American Express® Card
AmexBonvoyBiz
Apply Now
Rates & Fees
(Terms apply)
Marriott Bonvoy Business® American Express® Card
Annual Fee$125
Welcome Bonus 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.
Show more
Why We Like ItHighlightsEarning Rates
The Marriott Bonvoy Business® American Express® Card offers a suite of benefits ideal for frequent travelers and Marriott loyalists. Key benefits include complimentary Marriott Bonvoy® Gold Elite status, offering perks like late checkout and bonus points on stays. Cardholders also enjoy a 7% discount on eligible Marriott bookings, 15 Elite Night Credits annually, a Free Night Award each year post-renewal, and an additional Free Night Award after $60,000 annual spend. Enrollment is required for select Amex benefits.
  • 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.
  • Rates & Fees
  • 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x Marriott Bonvoy® points on each dollar of eligible 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 Marriott Bonvoy® points per dollar on all other eligible purchases

Final Thoughts

As you can see, a lawyer might be needed to see if you're eligible for a new Marriott credit card or Marriott credit card welcome bonus. It's safe to say that if you currently have any Marriott credit card — or have received a Marriott credit card welcome bonus in the last 24 months — you should check the fine print above of the card you're applying for to see if you're eligible.

Compounding these complicated application rules, Chase's 5/24 rule might prevent you from receiving a new Chase-issued Marriott co-branded card. And, if you're eyeing one of Amex's issued cards, know that their “once per lifetime” rule might come into play if you've already received a welcome bonus from that card or a previous version of that card in the past.

While we understand why card issuers put these rules into place — it's a business, after all — the utter madness of listing a dozen card names in each card's T&Cs makes it incredibly frustrating to understand Marriott's card application rules. But it's worth the hassle if you want to maximize the number of welcome bonuses you can earn.

For rates and fees of the cards mentioned in this post, please visit the following links: Marriott Bonvoy Bevy® American Express® Card (Rates & Fees), Marriott Bonvoy Brilliant® American Express® Card (Rates & Fees), and Marriott Bonvoy Business® American Express® Card (Rates & Fees)

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