New Application Restrictions for Marriott Co-Brand Credit Cards

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UPDATE: The changes to the Marriott co-brand card application rules are now live – full details in our updated post.

As reported by View from the Wing, new card restrictions/approvals will be in effect as of August 26, 2018, for those looking to pick up any Marriott Rewards or Starwood Preferred Guest co-branded credit cards from either Chase or American Express.


With the Marriott Rewards / Ritz-Carlton / Starwood Preferred Guest merger scheduled to happen on August 18, 2018, there is a ton going on with the program, and we're glad to have an update on what is happening with existing credit cards and the new cards that'll be offered. Simply put, well, it isn't simple. These rules impact all cards in the Marriott/SPG family including:

  • Marriott Bonvoy™ American Express® Card
  • Marriott Bonvoy Brilliant™ American Express® Card
  • Marriott Rewards® Premier Business Credit Card
  • Marriott Rewards® Premier Plus Credit Card
  • Starwood Preferred Guest® Business Credit Card from American Express

Brief Summary of Updates

There are rules and restrictions in place for every scenario we can think of and here is a summary:

Cross-issuer rules include restrictions on welcome bonuses if you have or have had equivalent cards.

Our Take

Honestly, kudos to Marriott for getting this right. They've put out the information, and while it is complex, it is clear. The rules as we see it are logical. Just as the loyalty programs are integrating, so much the points-earning mechanism.

Yes, it is entirely different than the (lack of) integration in place with Citi/Barclays and their partnerships with American Airlines, but I think both Chase and American Express have a ton of skin in the game here and they want Marriott to play nice.

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