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!
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!
What You’ll Get When You Sign-Up for the Chase Marriott 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 Marriott, Ritz-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:
- AC Hotels by Marriott
- Autograph Collection Hotels
- Courtyard by Marriott
- Fairfield Inn & Suites by Marriott
- Gaylord Hotels
- JW Marriott
- Marriott Executive Apartments
- Marriott Hotels
- Marriott Vacation Club
- Moxy Hotels
- Protea Hotels
- Renaissance Hotels
- Residence Inn by Marriott
- Ritz-Carlton Reserve
- Springhill Suites by Marriott
- TownePlace Suites by Marriott
And you’ll earn bonus points using your card for paid stays at these Starwood hotels: Aloft, Design Hotels, Element, Four Points, Le Meridien, Sheraton, St Regis, The Luxury Collection, Tribute Portfolio, Westin, and W hotels.
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)
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!
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:
- Book award nights for as little as 6,000 Marriott points
- Book stays using Cash & Points
- Convert points to airline miles
- Get a 5th night free on select award stays
- Get a 7-night hotel certificate AND airline miles by booking a Hotel + Air package
- Instantly transfer Marriott points to Starwood points at a 3:1 ratio
- Marriott Moments
- Room upgrades
Here’s a handy chart for referencing how many points you’ll use for Marriott award nights and Cash & Points stays.
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.
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)
- 45,000 Marriott points per night at a Category 9 Marriott hotel like the JW Marriott Santa Monica Le Merigot
- 70,000 Ritz-Carlton points per night at Tier 5 Ritz-Carlton hotel like The Ritz-Carlton New York, Central Park
- 30,000 to 35,000 Starwood points per night at a Category 7 Starwood hotel like The St. Regis Punta Mita Resort
Remember, you can instantly convert 90,000 Marriott points to 30,000 Starwood points because of the 3:1 transfer ratio.
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!
Before Applying for the Chase Marriott Card, Consider Other Chase Cards First
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.
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 Requirements||Our 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 account||Read 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 account||The #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 Freedom||$150 bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening your account||Here'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!
Between the points you earn from the sign-up bonus, minimum spending, and adding an authorized user, you’ll have enough points for:
- A 3-night stay at a Category 6 Marriott hotel like the Courtyard Kaua’i at Coconut Beach
- A free night at ANY top-tier luxurious Marriott, Ritz-Carlton, or Starwood hotel
- Award flights when you convert Marriott points to Starwood points and transfer to a Starwood airline partners