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EVERYTHING You Should Know Before Applying for the Chase Marriott Card 80,000-Point Offer!

EVERYTHING You Should Know Before Applying for the Chase Marriott Card 80,000-Point Offer!

Million Mile SecretsEVERYTHING You Should Know Before Applying for the Chase Marriott Card 80,000-Point Offer!Million Mile Secrets Team

If you’re looking to save money on hotel stays nearly anywhere in the world, you might consider getting the Marriott Rewards® Premier Credit Card.

Besides a valuable sign-up bonus ($750+ worth of travel), you get a free night certificate at a Marriott Category 1 to 5 hotel every cardmember anniversary.  This fantastic perk makes the card worth keeping for a lot of folks (including Million Mile Secrets team member Joseph).  Because it can easily get you a room night worth $150+ and it works at nearly 3,600+ Marriott hotels around the world!

Chase Marriott Credit Card Review 2018
Use the Chase Marriott Card Sign-Up Bonus to Save Lots of Money on Hotel Stays! Even at Resort Locations, Like the Scrub Island Resort Spa & Marina Where Emily Stayed!

You can benefit from having the Chase Marriott card, even if you NEVER stay at Marriott brand hotels.  Because of the Marriott-Starwood merger, you can earn Marriott points and instantly convert them to Starwood points at a 3:1 ratio, which means more flexible redemption options beyond just free hotel stays!

But the Chase Marriott card is NOT the first card I’d recommend if you’re a beginner to the miles & points hobby.  I’ll explain why here in my Chase Marriott credit card review!

What You’ll Get When You Sign-Up for the Chase Marriott Card

Link:   Marriott Rewards® Premier Credit Card


You’ll earn 80,000 Marriott points when you sign-up for the Chase Marriott Rewards Premier card and spend $3,000 on purchases within the first 3 months of opening your account.

Plus, you’ll earn an additional 7,500 bonus Marriott points when you add an authorized user who makes a purchase within the first 3 months of opening your account.  This is an easy way to generate extra points, but be sure to read my post on the pros and cons of adding someone to your account.

Chase Marriott cardholders also get:

  • 1 free night in a Marriott Category 1 to 5 location on your card anniversary
  • 5 Marriott points per $1 spent at MarriottRitz-Carlton, and Starwood hotels
  • 2 Marriott points per $1 at restaurants, on car rentals, and airline tickets purchased directly from the airline
  • 1 Marriott point per $1 spent on all other purchases
  • No foreign transaction fees
  • 15 nights credit towards elite status (so you get Marriott Silver status)
  • Access to Chase Offers, which can save you money on everyday purchases you’re already planning
  • Visa Signature perks and discounts, which can include rental car savings and deals on hotel packages

Marriott is the largest hotel chain in the world (based on total number of rooms)!  This means folks with the Chase Marriott card have lots of ways to earn bonus points on paid stays at these hotel brands:

And you’ll earn bonus points using your card for paid stays at these Starwood hotelsAloftDesign HotelsElementFour PointsLe MeridienSheratonSt RegisThe Luxury CollectionTribute PortfolioWestin, and W hotels.

Chase Marriott Credit Card Review 2018
Chase Marriott Cardholders Can Earn Valuable Points by Using the Card to Pay for Stays at Hotels Like the Courtyard by Marriott Santa Monica

The Chase Marriott card’s $85 annual fee is NOT waived for the first year.  But the free night certificate on your card anniversary can easily offset the annual fee expense.  For example, Million Mile Secrets team member Joseph used the certificate to book a room night that would have cost $186 if he paid cash.

Plus, the Chase Marriott card comes with handy ongoing protections for travelers and shoppers that can make the annual fee worth paying, including:

  • Lost baggage coverage – up to $3,000 per person each trip
  • Purchase protection – covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account
  • Trip cancellation & interruption insurance – up to $5,000 per occurrence
  • Trip delay reimbursement – If your trip is delayed for more than 6 hours, you could be reimbursed for up to $500 per ticket for reasonable expenses (meals, lodging, toiletries, medication, and other personal use items)
Chase Marriott Credit Card Review 2018
Pay for Airfare With the Chase Marriott Card to Get Coverage for Delayed or Lost Baggage!

Be sure to read the complete Guide to Benefits for the card for additional details and exclusions.

What Can You Do With ~90,000 Marriott Points?

Remember, the Chase Marriott card sign-up bonus is 80,000 Marriott points, but you’ll also earn points by meeting the minimum spending requirements and easy bonus points if you choose to add an authorized user.

So it’s possible to accumulate 90,500 Marriott points by signing up for the card (80,000 point sign-up bonus + at least 3,000 points from minimum spending + 7,500 bonus points for adding an authorized user and making a purchase).

How you decide to redeem the points will depend on your travel goals and style.  For example, some folks might prefer to stretch the points for more free stays at lower category Marriott hotels.  Others might splurge and use points to book a luxurious 1-night stay to celebrate a special occasion!

Chase Marriott Credit Card Review 2018
Some Folks Might Want to Get the Chase Marriott Card to Save Money on a Vacation to Hawaii!

Before sharing specific examples of how you can redeem 90,500 Marriott points, take a look at some of the many ways you can redeem Marriott points:

Here’s a handy chart for referencing how many points you’ll use for Marriott award nights and Cash & Points stays.

Chase Marriott Credit Card Review 2018
The Amount of Points You’ll Use for Marriott Award Stays Depends on the Hotel Category

Here are 3 examples of how you can redeem ~90,000 Marriott points.

1.   3-Night Stay in Hawaii (Save $750+)

Planning a trip to Kauai, Hawaii?  You can use 90,000 Marriott points to book a 3-night stay at the Courtyard Kaua’i at Coconut Beach.  This is a Category 6 Marriott hotel, which means you’ll pay 30,000 Marriott points per night when booking an award stay.

Chase Marriott Credit Card Review 2018
Escape to Hawaii and Save Money on a 3-Night Stay at the Courtyard Kaua’i at Coconut Beach, Which Costs 30,000 Marriott Points per Night

A similar 3-night stay in April 2017 would cost more than $750 if you paid cash.

Note:   You’ll pay a $20 nightly resort fee at this hotel whether you book with points or cash, which covers parking and gets you 2 signature cocktails during your stay.

2.   One Free Night at Top-Tier Luxurious Marriott, Ritz-Carlton, or Starwood Hotels (~$1,000 Worth of Value)

Folks looking to splurge for a special occasion can use Marriott points to book award stays at top-tier MarriottRitz-Carlton, and Starwood hotels.  You’ll pay:

Remember, you can instantly convert 90,000 Marriott points to 30,000 Starwood points because of the 3:1 transfer ratio.

Chase Marriott Credit Card Review 2018
Million Mile Secrets Team Member Keith and His Wife Thought Using Points to Stay at The St. Regis Punta Mita Was a Great Deal!

With taxes and fees, room nights at top-tier Ritz-Carlton and Starwood hotels could cost more than $1,000!  So signing-up for the Chase Marriott card can get you incredible value!

3.   Save Money on Airfare! (~$845+ in Savings)

One of my favorite ways to use Starwood points is to transfer them to airlines!  Besides having lots of great Starwood airline partners, you get a 5,000 mile bonus for every 20,000 Starwood points you transfer to airlines with a 1:1 transfer ratio!

So you can convert 90,000 Marriott points to 30,000 Starwood points.  Then, transfer points to an airline partner to get 35,000 airline miles (includes 5,000 mile bonus for transferring 20,000 Starwood points).

If you choose Alaska Airlines as your transfer partner, you’ll have enough miles to book a round-trip coach award flight from New York to Maui!  The same flight would cost ~$845 if you paid cash!

Chase Marriott Credit Card Review 2018
Instantly Transfer Marriott Points to Starwood Points. Then, Transfer Starwood Points to an Airline Partner Like Alaska Airlines to Book Great Award Flight Deals and Save Money on Airfare!

Before Applying for the Chase Marriott Card, Consider Other Chase Cards First

Link:   Best Card Strategy for Beginners

Chase has lots of valuable travel credit cards.  But the bank also has a strict card limit rule, which makes it difficult to get most of their cards if you sign-up for lots of cards.

If you’ve opened 5 or more credit cards from ANY bank in the past 24 months (excluding certain small business cards and Chase business cards)Chase will NOT approve you for many of their best travel rewards credit cards.  And the Chase Marriott card WILL count toward your 5 card limit.

That’s why I recommend getting cards that earn Chase Ultimate Rewards points first.  These flexible points can get you Big Travel with Small Money because you have the option to transfer points directly to terrific airline and hotel partners, like British Airways, Hyatt, and Singapore Airlines.

Chase Marriott Credit Card Review 2018
Earn Flexible Chase Ultimate Rewards Points to Get Big Travel to Destinations Like Sydney!

You can also transfer points to Marriott at a 1:1 ratio.  That said, we don’t normally recommend doing that because you can typically get much more value with other partners.  But it’s a useful option if you just need to top off your account to book an award stay.

These are the cards I recommend:

Card Sign-Up Bonus & Minimum Spending RequirementsOur Review
Ink Business Preferred℠ Credit Card
80,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the first 3 months of opening your accountRead why this is the top card pick for small business owners
Chase Sapphire Preferred® Card

50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your accountThe #1 card for beginners
Chase Sapphire Reserve℠50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your account
Lots of folks love this premium credit card because of the ongoing perks!
Chase FreedomCard Image Not Available
$150 bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening your accountHere's my review of this great no-annual-fee card!

If you already have these cards, then the Chase Marriott card is definitely worth considering!

Bottom Line

When you sign-up for the Chase Marriott Rewards Premier card, you’ll earn 80,000 Marriott points after meeting minimum spending requirements.

Between the points you earn from the sign-up bonus, minimum spending, and adding an authorized user, you’ll have enough points for:

And the Chase Marriott card has a terrific ongoing perk, which can save you money every year!  You’ll get a free night certificate every card anniversary to use at a Marriott Category 1 to 5 hotel.

Plus, Chase Marriott cardholders can save money with no foreign transaction fees, Chase Offers, and Visa Signature discounts.

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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For me, this card is more of a problem than a plus. My husband and I both got this at some point during a previous 80k point promotion, and between us we have about 200k Marriott points. However, I am finding that they are extremely difficult for us to use. I originally got them with the idea of taking the family to Atlantis, but Marriott has such limited reward usage that there don't seem to be reward rooms available during times we could go. I would really only recommend this card for individual travelers, couples with no children, or people who already have exhausted every other bonus point card opportunity. We are a family of 5 and are pretty much tied to the school calendar for travel. The things we want to do are rarely/never available for reward redemption. Or, if there are rooms available, they are the most basis that only work for a smaller group. I know there is flexibility in the 7 day certificate with airfare, and there is a not horrible point transfer with United, but overall, I find Marriott to be much less flexible than Hilton, which has a pay with points option for any available room at any time, even if sometimes the points price is high.

Hi Jennifer. I've been to Atlantis and personally think that it's overrated. The commercials on TV make it look a lot better than what it is. Using Marriott points there isn't a good redemption because you still have to pay the resort fee of $53.70 per day. I've also read through the fine print on the Atlantis website and there is a $75 fee for each child 12 years and older in your room assuming you have 2 adults in the room. In addition there is a mandatory gratuity fee of about $10 per person per day. After adding all of these fees up, your free stay could end up costing you over $200 per night. If you have to do an Atlantis trip, check out the Comfort Suites next door to the Atlantis resort. You'll get access to the Atlantis waterpark included in your stay.

Hi Jennifer. I just wanted to add one more comment about Atlantis. The price of food is very expensive. They have a dining plan that starts at $85 per person per day age 12 and older. $20 per child 7-11. Ages 6 and under are free. There is also a 7.5% VAT and 15% gratuity added to the prices.


Atlantis is a mediocre resort at a super premium price. Don't get sucked into the marketing

I'm very surprised to hear your displeasure trying to use Marriott points. I have had pretty good luck traveling with my wife and 4 kids exclusively using Marriott points. I suppose that we have been fairly flexible on dates and times but we are headed for Aruba in March during Spring Break and we were able to use points for 6 nights (2 rooms each night) without any issues. We had recently taken a trip to Northern California using only points and we had 8 nights (2 rooms each night), but we moved around to available properties. The best deal is still to try and utilize the 5th night free if you can.

Million Mile Secrets

Thanks for commenting Jennifer and I understand your frustration! Have you considered converting Marriott points to Starwood points? It might open up more options for using points to save on a hotel stay. And they also have a 5th night free perk.

We love Scrub Island in the BVI. In the past, we have encouraged our friends and family to sign up for this card to get a couple free nights there. With points transferring to the person with the highest Marriott status, we have enjoyed upgrades to the large suites with adjoining rooms for free. These rooms can be over $1,000 per night so it is so worth signing up for this card to find a way to maximize the return of the points. Great article!

Million Mile Secrets

Emily loved the resort too!

Transferring points to a person with elite status is a great idea! Thanks for commenting!

I need an edit function – I am*not*pleased with this card!

The best redemption that you can make with Marriott points is their 7 night air and hotel packages. Airline miles are worth almost double what Marriott points are worth so make sure that you book the packages with the maximum airline miles that you can get. You can get a 7 night stay in a category 1-5 Marriott and 132,000 United Miles for 270,000 Marriott points. This is even a better value than Starwood's nights and flights packages.

Barry.. can the airlines miles that are a part of this package be used for multiple family members? Thanks!

Hi Denise. In general, yes you can use your airline miles to book flights for other people. I've transferred Marriot points to United and Southwest in the past, and both of those airlines allow you to use your points to book flights for anyone of your choosing. Some other airlines, like Korean Air, are more restrictive on who can use the points. Be sure to check the airline's points use policy before making the transfer.

Million Mile Secrets

These packages are very popular! If you already have a stash of Marriott points, earning the sign-up bonus can put you much closer to booking these awards.