AwardWallet may receive compensation from advertising partners when you visit our site, click on a link, when you are approved for a credit card, or when an account is opened. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here’s our complete list of Advertisers.
Offers for The Ritz-Carlton™ Credit Card, Marriott Bonvoy® Premier Plus Business Credit Card, Marriott Rewards® Premier Plus Credit Card and Marriott Bonvoy Premier Credit Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Due to Marriott's acquisition of Starwood Hotels back in 2016, both Chase and American Express offer Marriott co-branded credit cards. That complexity has led to a mess of restrictions when looking to apply for cards with each bank. It feels like a PhD is required to decipher the rules.
As if it wasn't bad enough already, the rules are getting even more restrictive.
New Rules on Amex Marriott Personal Cards
American Express just announced elevated welcome offers on its suite of Marriott cards, some with the best offers we have seen.
However, with those offers comes new restrictive language in the terms and conditions.
$250Rates & Fees
(Terms Apply)
- 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
$650Rates & Fees
(Terms Apply)
- 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
$125Rates & Fees
(Terms apply)
- 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
For example, the new welcome offer language on the Marriott Bonvoy Bevy® American Express® Card now states:
Welcome offer not available to applicants who:
(i) have or have had The Ritz-Carlton® Credit Card from J.P. Morgan, the J.P. Morgan Ritz-Carlton Rewards® Credit Card, the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the 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, the Marriott Bonvoy Bold®Credit Card from Chase, 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 or upgrade offer for the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.
The first part of the offer (i) describes those who have other Marriott cards that would be ineligible for this Marriott Bonvoy Bevy Card welcome offer. Notice that virtually all of the Marriott co-branded cards issued by Chase are now listed here. That means having any Chase Marriott card currently or in the last 30 days will prevent you from earning a welcome offer on any Amex Marriott personal cards. This hurts.
For reference, the previous language had several fewer cards listed under term (i):
Welcome offer not available to applicants who
(i) have or have had The Ritz-Carlton™ Credit Card from JPMorgan or the J.P. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days,
(ii) have acquired the Marriott Bonvoy Boundless™ Credit Card from Chase, the 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 Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Plus Business Credit Card from Chase or the Marriott Rewards® Premier Plus Business Credit Card from Chase in the last 90 days, or
(iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Boundless™ Credit Card from Chase, 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 Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Plus Business Credit Card from Chase or the Marriott Rewards® Premier Plus Business Credit Card from Chase in the last 24 months.
Bottom Line
Current or prospective Marriott cardholders must now essentially decide between Chase and American Express-issued cards. Holding Chase-issued Marriott cards will lock you out of American Express personal card welcome bonuses.
At the time of publishing, the language on the Marriott Bonvoy Business® American Express® Card has not changed — at least for now. That means current Chase Marriott cardholders can still earn the welcome offer on that card.
(Terms apply)
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card 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 250,000 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 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 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.
- 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
But overall, this news is devastating. The ability to apply for and hold multiple Marriott cards from both banks has been advantageous for Marriott loyalists. Now, having to cancel Chase cards and wait 30 days in order to apply for Amex cards is a huge loss.
Page Contents
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)
