Chase Marriot Rewards Card
From fine dining to nights in 500 thread count sheets, the Chase Marriott Rewards card makes it possible to fund your lifestyle with more smarts than cash. If you know how to put this card to work for you, you can rack up Marriott Rewards points quickly and redeem them on free hotel stays, upgrades, getaways, gift cards and merchandise. Plus, this card comes with some sweet perks, including a free night in a Marriott or partner hotel just for being a cardholder each year. There’s so much on offer here, it’s hard to get your head around it all, so we’ve broken down the details for you.
- No Foreign Transaction Fees
- 6x Points When You Stay At Marriott and SPG Hotels
- 2x Points on Everything Else
- No Foreign Transaction Fees
- 6x Points Staying at the Hotels
- 2x Points on Everything Else
- No Flexible Rewards Redemption
Recommended Credit Profile
Rates & Fees
- Annual Fee$95
- Regular APR17.99% to 24.99%
- Great ForMarriott HotelsDiningTravel
- Regular Purchase APR17.99% to 24.99%
- Regular Balance Transfer APR17.99% to 24.99%
- Cash Advance APR26.99%
- Balance Transfer Fee$5 or 5%
- Cash Advance Fee$10 or 5%
- Foreign Transaction Fee$0
Chase Marriott’s Always Got a Super Sign-Up Deal
The current deal on offer is this: spend $3,000 in the first three months you open the account and get 75,000 in bonus rewards points.
We get it: $3,000 sounds like a lot of cash. But you earn those bonus points no matter how you spend it, so all you have to do is cover your regular expenses by swiping this card. It’s $1,000 per month or less than $250 per week. Or about $33 a day, which means you’re probably covered once you fund your fuel, food and incidental purchases.
What’s the point in getting that bonus? For 75,000 points, you can stay one night in a Tier 5 property (that’s the fancy stuff!) or up to 3 nights in a Tier 1 property (definitely not slumming it, since Marriott’s hotels are always high-quality).
Seek tip: Book with select hotels where PointSavers goes into effect and get even more for your points. The Sina Villa Medici in Florence is part of Marriott’s luxury Autograph Collection, and PointSavers lets you book two nights with 70,000 points there. You can save 33 percent of your points by booking with select PointSavers destinations all over the world.
Keep On Earning and Redeeming Points
Of course the points don’t stop in that first three months, and you can stack up a lot more than 75,000 bonus points. With the Chase Marriott Rewards card, you get points every time you swipe.
Here’s how you can earn.
- Earn 5 points for every dollar you spend with Marriott Rewards and SPG (Starwood Preferred Guests) hotels. That’s more than 5,700 properties around the world, including Marriott, Sheraton, Westin, Meridien, The Luxury Collection and other brands.
- Earn 2 points for every dollar spent on car rentals, airfare or dining (you have to book and pay directly with the airline).
- Earn 1 point for every other dollar you spend.
Let’s just run some numbers on the first 3 months, where you’re going to spend $3,000 to qualify for the sign-up bonus. Maybe you spent $1,000 at Marriott hotels, $500 on dining out, and $1,500 on regular expenses. That’s another 7,500 points, bringing your total after three months to 82,500 points.
Now, what if you keep swiping all year.
- You spend $500 a month on incidentals for the remaining 9 months of the year. That’s $4,500 that you earn a point per dollar on: 4,500 points.
- You take two more trips, staying with Marriott branded hotels for a total sum of $5,000. That’s 25,000 more in points.
- During your trips and your daily life, you spend another $7,000 on airfare, car rentals and eating out. That’s 14,000 points.
You’re up to 126,000 points, which could cover a week’s stay in a Marriott property.
You don’t have to redeem all your points for free hotel nights (though that’s probably the best bang for your buck). You can also:
- Combine points with cash payment to reduce the cost of a hotel stay
- Upgrade to larger rooms or a suite
- Redeem your rewards instantly as a credit against room charges (2,500 points = $5.00)
- Convert points to airline miles to get free airfare
- Get TSA Precheck enrollment to reduce your time in airport security
- Book a cruise or week-long getaway
- Redeem points for gift cards or merchandise
- Donate points to charity
Since your points are housed in your Marriott Rewards account, you don’t lose them even if you close your card account. You do lose them if you don’t spend any Marriott Rewards points in 24 months, so you definitely want to put these points to work regularly.
Other Perks of the Chase Marriott Rewards Card
One of our favorite perks with this card is an automatic free night at a Tier 1 through 5 Marriott property once you pass your anniversary date. That means you get a free hotel night every year for just holding onto this account.
Other perks include:
- Guaranteed Elite status when staying with Marriott branded hotels
- Access to exclusive events
- Ability to transfer rewards points between several programs, including the Starwood Preferred Guests program
The benefits exceed the cost
There is no annual fee the first year and only $95 after that. That means all those rewards points and free hotel stays are gravy — whatever you save using them is cash in your pocket.
Even after the first year, this card is a stellar deal because you get that free anniversary night at a Marriott hotel. In almost any case, a night at the Marriott is going to run you more than $95, so even if you don’t earn any points, the card doesn’t cost you anything each year if you use that free night.
A perk that’s super important for international travelers is $0 foreign transaction fees, which this card comes with. That means you don’t pay anything extra when you’re swiping outside of the United States. Just for comparison, most banks charge at least a 3 percent foreign transaction fee, which means a $10,000 overseas trip could cost you an extra $300. That, plus the robust reward structure, makes this card a great companion for international travelers.
Whether you cross borders or just travel for business domestically, if you stay at Marriott properties a few times of year, you’ll want this card in your wallet. Use the rewards right, and it actually pays you to use it.