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Change is the name of the game and for the past few years, and ever since they announced the acquisition of Starwood, Marriott has been in flux. This has created all sorts of headaches with their loyalty program, but it has also created opportunities.
Recently Marriott announced the name of their new loyalty program – Marriott Bonvoy. With the name change Marriott is also updating their credit cards and rolling out new increased bonus offers. These credit card updates are going into place on February 13, 2019, and at that time 2 Marriott cards will no longer be open for applications:
- Starwood Preferred Guest® Credit Card from American Express
- Marriott Rewards® Premier Plus Business Credit Card
If you’re interested in either of these cards, you’ll have to apply by February 12, 2019. Recently, Chase expanded their 5/24 rule to apply to all of their credit cards, but recently some people have been approved for the Marriott Premier Business Plus card even though they were over the “5/24” limit. So for some of you, this could be a great card to apply for.
I’ll break down what you’re getting and what you’re giving up if you apply for either card. And if you want to stay on top of the changes in the miles & points world, subscribe to our newsletter.
Should You Apply for Either of These Marriott Cards While You Still Can?
Normally, I’d recommend applying for just about any card that’s about to disappear forever. But with the Marriott cards it’s different because there are some very convoluted application rules associated with both the Chase and AMEX Marriott cards. If you apply for a Chase Marriott card, you could be disqualifying yourself from applying for an AMEX Marriott card later on and vice versa.
In February, the intro bonus for all the new Marriott Bonvoy cards will be increasing to 100,000 Marriott points. Currently the bonus for both the AMEX Starwood card and Marriott Premier Plus Business card is 75,000 Marriott points after meeting minimum spending requirements. So let’s look at if you’re eligible for either card and which cards you won’t be eligible for if you apply for either of these cards before they’re gone.
Will You Qualify for the Chase Marriott Premier Plus Business Card?
First off you’ll need a business, but it doesn’t need to be a full-time business. Even a part-time sole-proprietorship can qualify you for a small business credit card. This includes freelancing gigs or driving for Uber or Lyft. As a sole-proprietor you can use your name as the business name and your social security number as your business tax ID on the credit card application.
Here are the application restrictions for the Chase Marriott Premier Plus Business Card, you aren’t eligible for it if:
- You currently have it
- You earned an intro bonus on this card within the last 24 months
- You currently have or have had The Starwood Preferred Guest® Credit Card from American Express within the last 30 days
- You currently have either the Starwood Preferred Guest® Business Credit Card from American Express or the Starwood Preferred Guest® American Express Luxury Card, and received a new cardmember bonus or upgrade bonus in the last 24 months
- You were approved for The Starwood Preferred Guest® Business Credit Card from American Express or the Starwood Preferred Guest® American Express Luxury Card within the last 90 days.
If you are approved for the Chase Marriott Premier Plus Business card you won’t be eligible for the intro bonus on the following cards:
- AMEX Starwood Business Card until 30 days after you last had your Chase Marriott Rewards Premier Plus card open
- AMEX Starwood Luxury Card until 24 months after you earned the intro bonus for the Chase Marriott Premier Plus Business card
The AMEX Starwood Business card is becoming the Marriott Bonvoy Business™ American Express® Card on February 13, 2019. At that time it will also have an intro bonus of 100,000 Marriott points, which you’ll earn after spending $5,000 on purchases within the first 3 months of account opening. The AMEX Starwood Luxury card will also have the same bonus and minimum spending requirements as of the same date.
So it be worth waiting to apply for either of those cards. You can read more about the new benefits of those cards here.
If you apply for the Chase Marriott Premier Plus Business card, you’ll be locking yourself out of those 2 cards for a bit. But AMEX will only allow you to earn the intro bonus on a credit card once per lifetime and even with the card name changes you won’t qualify for the bonus on either of those AMEX cards if you’ve ever had them in the past. If that’s the case for you, then applying for the Chase Marriott Premier Plus Business card now could be a good move – especially since it won’t add to your Chase “5/24” count and it looks like it might not be restricted by the Chase “5/24” rule either.
Will You Qualify for the AMEX Starwood Personal Card?
If you have ever had the AMEX Starwood personal card, you won’t be eligible for it’s intro bonus. You also aren’t eligible for the card if you:
- Currently have or have had any of these cards in the past 30 days
- The Marriott Rewards® Premier Credit Card
- The Marriott Rewards® Premier Plus Credit Card
- The Marriott Rewards Credit Card
- The Ritz-Carlton Rewards® Credit Card
Before you decide whether it makes sense to apply for the AMEX Starwood card here are the cards it will hinder you from opening:
- If you currently have or have had the AMEX Starwood personal card in the past 30 days you aren’t eligible for the intro bonus on the Marriott Rewards Premier Plus Business Card or the Marriott Rewards Premier Plus card
Opening this card limits your other options a bit less, but it will count toward your Chase “5/24” limit, so if you’re waiting to get under that than you’ll want to hold off on applying.
For me personally I won’t be applying for either card because I’ve had the AMEX Starwood card in the past and I just was approved for the all-time high public offer for the United℠ Explorer Business Card, which is a Chase business card. But even if I hadn’t just been approved for that one, I would most likely wait for the increased 100,000 point offers before applying for a Marriott card.
The information for the Marriott Rewards Premier Business Credit Card, The Marriott Rewards® Premier Credit Card, The Marriott Rewards Credit Card, The Ritz-Carlton Rewards® Credit Card and Starwood Preferred Guest® American Express Luxury Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
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