Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

The 12 Best Credit Cards for Marriott Bonvoy Loyalists [2024]

Christine Krzyszton's image
Christine Krzyszton
Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

317 Published Articles

Countries Visited: 98U.S. States Visited: 45

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Edited by: Juan Ruiz
Juan Ruiz's image

Juan Ruiz

Senior Editor & Content Contributor

122 Published Articles 730 Edited Articles

Countries Visited: 41U.S. States Visited: 28

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1050+ Expert Credit Card Guides

In general, having a hotel-branded credit card allows you to receive elevated earnings at that hotel chain, perks during your stay, and some associated useful or money-saving benefits.

The same premise applies to Marriott Bonvoy-branded cards, so if you’re a die-hard Marriott loyalist, you’ve probably considered applying for one of these cards. However, if you haven’t yet made the leap, you’ll find the information in today’s article of interest.

While it may seem logical that the best credit cards for Marriott loyalists are Marriott Bonvoy-branded cards, there are additional travel rewards cards that offer Marriott-related benefits, plus more flexible earning and redemption options. You’ll even find a few that offer luxury travel benefits.

Each card in the collection we’re going to discuss today could be a potential consideration for a Marriott fan, but depending on your spending mix, travel profile, and benefit preferences, you may also find a combination of cards that creates an ideal match for your situation.

Let’s get started with our take on the best cards for those travelers who make Marriott their hotel brand of choice.

The 9 Best Personal Cards for Marriott Bonvoy Loyalists — Overview

Before we get into the details, here’s a look at the best personal cards to choose from, along with their core features and benefits as they relate to the Marriott Bonvoy program:

SCROLL FOR MORE

The 5 Best Personal Marriott Bonvoy-branded Cards for Marriott Loyalists

Although both Chase and American Express issue Marriott Bonvoy-branded credit cards, there’s consistency throughout the collection when it comes to earnings and Marriott-related benefits.

If the card has an annual fee, it will offer a complimentary hotel night certificate and have the same elevated earnings at Marriott properties.

Also, regardless of the card you select, you’ll enjoy complimentary Marriott Bonvoy elite status.

Let’s take a look at the Marriott Bonvoy-branded personal cards and all they have to offer the Marriott loyalist.

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
95,000 bonus points
$665
$650
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy program
  • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
  • 2x points per $1 on all other purchases
Cons
  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

The Marriott Bonvoy Brilliant card is a premium rewards card packed with perks that can make your travel more comfortable, save you money with statement credits, and make it easy to enjoy free hotel nights faster.

Why We Like This Card for Marriott Loyalists

  • 6x points at participating Marriott hotels
  • 3x points at U.S. restaurants and on flights booked directly with airlines
  • Complimentary Marriott Bonvoy Platinum Elite status
  • 25 Elite Night Credits toward Marriott Bonvoy elite status each calendar year
  • Free Night Award each card anniversary year, worth up to 85,000 points
  • Up to $100 property credit at Ritz-Carlton or St. Regis properties
  • Complimentary premium internet at Marriott properties
  • Up to $300 in dining credits each year upon enrollment (up to $25 monthly)
  • Worldwide lounge access to over 1,400 properties via a complimentary Priority Pass Select membership upon enrollment
  • Global Entry or TSA PreCheck application fee statement credit
  • Travel benefits such as secondary car rental insurance
  • Shopping protections such as purchase protection
  • No foreign transaction fees (see rates & fees)

Marriott Bonvoy Bevy™ American Express® Card

Marriott Bonvoy Bevy™ American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
85,000 points
$595
$250
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Marriott Bonvoy Bevy™ American Express® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy
  • 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X points)
  • 2x points per $1 on all other purchases
Cons
  • $250 annual fee (rates and fees)
  • Free Night Award certificate is not an automatic benefit
  • Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
  • Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
  • Earn 2X points on all other eligible purchases.
  • Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
  • With complimentary Marriott Bonvoy Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit, available for Qualifying Rates.
  • Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
  • $250 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

A new entry in the portfolio of Marriott co-branded credit cards, the Marriott Bonvoy Bevy card slots into the middle of the range of options. With a $250 annual fee, the card offers a number of perks and elevated earnings for Marriott stays at participating properties. If you’re not comfortable shelling out top dollar for the ultra-premium Marriott Bonvoy Brilliant card, this option is worth considering.

Why We Like This Card for Marriott Loyalists

  • 6x points at participating Marriott hotels
  • 4x points on dining and at U.S. supermarkets
  • 2x points on all other purchases
  • Complimentary Marriott Bonvoy Gold Elite status
  • 15 Elite Night Credits toward Marriott Bonvoy elite status each year
  • Earn 1,000 bonus points per paid stay
  • Earn 1 Free Night Award (valid at properties costing up to 50,000 points) when you spend $15,000 on the card in a year
  • No foreign transaction fees (see rates & fees)
  • Travel benefits such as secondary car rental insurance
  • Shopping protections such as purchase protection

Marriott Bonvoy Bountiful™ Card

Marriott Bonvoy Bountiful™ Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.

Learn More(at Chase's secure site)
The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
85,000 Bonus Points
$595
$250
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Marriott Bonvoy Bountiful™ Credit Card can help enhance your Marriott stays by offering automatic elite status, bonus points on paid stays, and Elite Night Credits, and it helps you earn more Marriott Bonvoy points on your day-to-day purchases.

Pros
    • Up to 18.5x points per $1 at hotels participating in Marriott Bonvoy
    • 4x points per $1 on dining and at U.S. supermarkets (on up to a combined $15,000 in purchases)
    • 2x points per $1 on all other purchases
    • Automatic Marriott Bonvoy Gold Elite status
    • 15 Elite Night Credits
    • 1,000 bonus points per paid Marriott stay
    • 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
    • No foreign transaction fees
Cons
  • $250 annual fee
  • Free Night Award certificate is not an automatic benefit
  • Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
  • Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy®
  • 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy®
  • Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
  • Earn 2X points per $1 spent on other travel purchases
  • Earn 2X points per $1 spent on all
    other purchases
  • Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
  • Enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one-night hotel stay at a property with a redemption level up to 50,000 points. Certain hotels have resort fees.
  • No Foreign Transaction Fees
Financial Snapshot
  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None

Another newcomer, the Chase-issued Marriott Bountiful card offers largely the same benefits and perks as the Amex-issued Marriott Bonvoy Bevy card and comes with the same $250 annual fee.

Why We Like This Card for Marriott Loyalists

  • Up to 18.5x points at hotels participating in Marriott Bonvoy
  • 4x points on dining and at U.S. supermarkets (on up to a combined $15,000 in purchases)
  • 2x points on all other purchases
  • Complimentary Marriott Bonvoy Gold Elite status
  • 15 Elite Night Credits toward Marriott Bonvoy elite status each year
  • 1,000 bonus points per paid Marriott stay
  • 1 Free Night Award (valid at properties costing up to 50,000 points) when you spend $15,000 on the card in a year
  • No foreign transaction fees
  • Baggage delay, trip delay, and purchase protection

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Learn More(at Chase's secure site)
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
$1,050
$95
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros
  • Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
Cons
  • $95 annual fee
  • Marriott Silver Elite Status is the lowest status tier
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

There’s something special about the Marriott Boundless card. Perhaps it’s the fact that it comes with a lower annual fee yet still packs the same earning power as the Marriott Bonvoy Brilliant card. Add in a free hotel night at each card anniversary and you may find that it’s the perfect card for you.

Why We Like This Card for Marriott Loyalists

  • Up to 17x points at participating Marriott hotels
  • 3x points at grocery stores, gas stations, and dining, up to $6,000 in purchases each year
  • Complimentary Marriott Bonvoy Silver Elite status (qualify for Marriott Bonvoy Gold Elite status by spending $35,000 on the card in a calendar year)
  • 15 Elite Night Credits toward Marriott Bonvoy elite status each calendar year, plus earn 1 Elite Night Credit towards elite status for every $5,000 you spend.
  • Free hotel night certificate each card anniversary year, worth up to 35,000 points
  • Complimentary premium Wi-Fi at Marriott properties
  • Baggage delay, trip delay, and purchase protection
  • No foreign transaction fees

For more information on this popular card, check out the great benefits of the Marriott Boundless card.

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Learn More(at Chase's secure site)
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
60,000 points + 1 Free Night Award
$770
$0
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros
  • Up to 14x points per $1 on Marriott purchases
  • 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
  • 5 Elite Night Credits each year
Cons
  • Lower point earn rate than other Marriott Bonvoy cards
  • Marriott Bonvoy Silver Elite status is the lowest status tier
  • Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • New! Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
  • 1X point for every $1 spent on all other purchases.
  • New! Travel now, pay later – Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
  • No Foreign Transaction Fees.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

If you frequently stay at Marriott properties and want a Marriott Bonvoy-branded credit card, but do not want to pay an annual fee, the Marriott Bold card may be a fit.

This no-annual-fee card comes with Marriott Bonvoy Silver Elite status that gives you complimentary internet, late checkout, a 10% points bonus, and a dedicated elite reservation line.

Why We Like This Card for Marriott Loyalists

  • Up to 14x points at participating Marriott hotels
  • 2x points at grocery stores
  • 2x points for rideshare & select food delivery
  • 2x for select streaming, and internet, cable, and phone services
  • Automatic Marriott Bonvoy Silver Elite status, plus 5 Elite Night Credits each calendar year
  • Trip delay reimbursement
  • Lost luggage reimbursement
  • No foreign transaction fees

Note that our list of benefits for the Marriott Bonvoy-branded cards is not all-inclusive and we have abbreviated the descriptions. You’ll want to access each card’s guide to benefits for further details and benefit terms and conditions.

Bottom Line: Each Marriott Bonvoy-branded credit card comes with a certain level of complimentary Marriott Bonvoy elite status and 15 qualifying Elite Night Credits. 

4 Non-Marriott-branded Personal Card Options To Consider

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is the ultimate card for frequent travelers. Marriott loyalists, in particular, will enjoy a complete benefits package that includes complimentary Marriott Bonvoy elite status, points that can be transferred to the Marriott Bonvoy program, and luxury perks that support a travel lifestyle.

Why We Like the Card for Marriott Loyalists

Chase Sapphire Preferred® Card

GREAT STARTER CARD
Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is our pick for a solid travel rewards card. The card earns flexible rewards points that can be transferred to Chase transfer partners or redeemed directly for travel.

You’ll also find the card packed with great benefits and travel insurance protections.

Why We Like the Card for Marriott Loyalists

  • 5x points on travel purchased through Chase Travel
  • 5x points on Lyft (through March 31, 2025)
  • 5x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
  • 3x points on dining
  • 2x points on all other travel purchases
  • Ultimate Rewards points earned on the card transfer easily to the Marriott Bonvoy program and other airline and hotel partners
  • Redeem points for 1.25 cents each towards travel
  • $50 prepaid hotel credit annually for travel booked through Chase Travel
  • Complimentary DoorDash DashPass subscription (activate by December 31, 2024)
  • Trip cancellation/interruption/delay coverage
  • Primary car rental insurance coverage

Check out our ideas for getting the maximum value for your Ultimate Rewards points and how to use your points for purchasing travel.

Chase Sapphire Reserve®

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is a premium travel rewards card loaded with perks and benefits. You’ll enjoy worldwide airport lounge access, travel statement credits, and some of the best travel insurance and shopping protections.

Why We Like the Card for Marriott Loyalists

  • 10x points on hotels and car rentals and 5x points on air travel purchased via Chase Travel
  • 10x points on Lyft purchases (through March 31, 2025)
  • 10x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
  • 3x points on all other travel and dining
  • Ultimate Rewards points earned on the card transfer easily to the Marriott Bonvoy program and other airline and hotel partners
  • Complimentary Priority Pass Select membership with worldwide access to over 1,400 lounges
  • Up to $300 statement credit for travel purchases each card anniversary
  • Redeem Ultimate Rewards points for 1.5 cents each toward travel
  • Complimentary DoorDash DashPass subscription and $5 monthly credit
  • Primary car rental insurance
  • Trip cancellation, interruption, and delay coverage
  • Purchase protection and extended warranty

American Express® Gold Card

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card functions as a travel rewards card disguised as an everyday spending card. First, the card earns valuable Membership Rewards points that can be redeemed for travel. Additionally, you can earn points in bonus spending categories that include everyday expenses.

The additional earnings on everyday spending serve to grow point balances quickly. Plus, the card comes with several travel benefits.

Why We Like This Card for Marriott Loyalists

  • 4x points at restaurants, and U.S. supermarkets up to $25,000 per calendar year (1x thereafter)
  • 3x points on flights booked with the airlines or AmexTravel.com
  • Membership Rewards points can be transferred to the Marriott Bonvoy program plus additional airline and hotel partners
  • Up to $120 per year in dining statement credits (up to $10 per month) at participating restaurants, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations (enrollment required)
  • Secondary car rental insurance
  • Baggage insurance plan
  • No foreign transaction fees (see rates & fees)

While you won’t receive any Marriott-related benefits with the Amex Gold card, Marriott loyalists will have the flexibility to transfer Membership Rewards into Marriott Bonvoy to use for reward hotel nights.

Hot Tip: If you choose to transfer Ultimate Rewards points or Membership Rewards points to Marriott Bonvoy and the need to transfer is not urgent, watch for promotions that allow transfer bonuses that can add 20% to 40% additional points when doing so.

The 3 Best Business Cards for Marriott Bonvoy Loyalists — Overview

Before we get into the details, here’s a look at the best business cards to choose from, along with their core features and benefits as they relate to the Marriott Bonvoy program:

SCROLL FOR MORE

The Best Business Marriott Bonvoy-branded Card for Marriott Loyalists

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Learn More(at Amex's secure site)
A great option for business owners who stay in Marriott hotels and want automatic elite status.
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases 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 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
3 Free Night Awards
$1,050
$125
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros
  • 6x Marriott Bonvoy 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 per $1 on all other purchases
Cons
  • WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases 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 150,000 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 Marriott Bonvoy 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 Marriott Bonvoy® 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.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

If you’re traveling for business and frequent Marriott Bonvoy-branded properties, the Marriott Bonvoy Business card can ensure you’ll be receiving the perks you deserve during your journey.

The card also makes it easier to earn lots of Marriott Bonvoy points just for paying your business expenses. Earning complimentary hotel nights can offset your business travel expenses or provide free lodging for a personal vacation.

Why We Like This Card for Marriott Loyalists

  • 6x points at participating Marriott hotels
  • 4x points 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
  • Complimentary Marriott Bonvoy Gold Elite status
  • 15 Elite Night Credits toward Marriott Bonvoy elite status each calendar year
  • Complimentary Free Night Award each card anniversary year, worth up to 35,000 points
  • Additional Free Night Award after spending $60,000 in a calendar year
  • Baggage insurance plan
  • Secondary car rental insurance
  • No foreign transaction fees (see rates & fees)

Hot Tip: If you hold both a business Marriott Bonvoy-branded card and the Marriott Bonvoy Brilliant card, you can receive a total of 40 Elite Night Credits each year — a great jumpstart to higher elite status.

2 Non-Marriott-branded Business Card Options To Consider

The Business Platinum Card® from American Express

ELEVATED OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Like the personal version of the card, the Amex Business Platinum card comes with Marriott Bonvoy Gold Elite status upon enrollment and is loaded with premium travel benefits.

If you travel frequently for business, you’re sure to enjoy the value of worldwide lounge access and elevated earnings on your travel purchases — 2 key benefits of having the card.

Why We Like This Card for Marriott Loyalists

  • 5x points on prepaid hotels and flights booked via AmexTravel.com
  • 1.5x points on eligible business purchases, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per year.
  • Complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold status upon enrollment
  • Membership Rewards points can be transferred to the Marriott Bonvoy program plus additional airline and hotel partners
  • Worldwide lounge access to over 1,400 lounges, including Centurion Lounges
  • 35% rebate on points redeemed for premium flights via AmexTravel.com
  • Up to $200 airline incidental fee statement credit (enrollment required)
  • Global Entry or TSA PreCheck fee statement credit
  • $189 statement credit for CLEAR Plus membership
  • Up to $400 Dell statement credit
  • Secondary car rental coverage
  • Trip interruption/cancellation coverage
  • Purchase protection, extended warranty

Ink Business Preferred® Credit Card

LIMITED TIME OFFER
Ink Business Preferred® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
  • Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card is a powerhouse when it comes to earning on your business purchases. And when it’s redemption time, you’ll find that your points are flexible and valuable.

With a lower annual fee and premier travel/shopping benefits, it’s a travel rewards card deserving consideration for even small business owners.

Why We Like This Card for Marriott Loyalists

  • 3x points on travel purchases, internet/cable/phone, shipping, and advertising purchased through social media and search engines (maximum $150,000 in purchases per year)
  • Ultimate Rewards points earned on the card transfer easily to the Marriott Bonvoy program and other airline and hotel partners
  • Primary car rental insurance
  • Trip interruption/cancellation/delay
  • Cell phone protection

Bottom Line: If your business involves travel and you stay frequently at Marriott properties, it makes sense to have a Marriott Bonvoy-branded business or personal credit card. However, to ensure all of your business purchases earn rewards, you might consider pairing it with a business travel rewards card

Marriott Bonvoy Elite Status

The Marriott Bonvoy-branded credit cards, Amex Platinum card, and Amex Business Platinum card all come with a level of Marriott Bonvoy elite status. You might now be wondering what type of benefits you can expect to receive, so let’s take a look.

Here’s an overview of Marriott Bonvoy benefits for each elite status level:

SCROLL FOR MORE

Benefits

Silver Elite 10 to 24 Nights per Year

Gold Elite 25 to 49 Nights per Year

Platinum Elite 50 to 74 Nights per Year

Titanium Elite 75 to 99 Nights per Year

Ambassador Elite 100 or more Nights per Year + $20,000 in Qualifying Spend per Year

Complimentary In-room Wi-Fi

X

X

Enhanced fastest internet

Enhanced fastest internet

Enhanced fastest internet

Bonus Points

10%

25%

50%

75%

75%

Late Checkout

Priority Late Checkout

2 p.m.

4 p.m.

4 p.m.

4 p.m.

Elite Reservation Line

X

X

X

X

+ Personal Ambassador service

Welcome Gift

 

250 to 500 points depending on the property

Choice of points, breakfast, or amenity

Choice of points, breakfast, or amenity

Choice of points, breakfast, or amenity

Room Upgrade — Based on Availability

 

 

Select suites when available

Select suites expanded to include Ritz-Carlton properties

Select suites expanded to include Ritz-Carlton properties

Lounge Access

 

 

X

X

X

Annual Choice Benefit

 

 

X

Annual Choice Benefit + additional Choice Benefit

Annual Choice Benefit + additional Choice Benefit

In addition to the benefits above, all Marriott Bonvoy elite members receive access to the Cash + Points redemption option, PointSavers for savings on reward nights, and Member Exclusive room rates.

Note that our list of benefits here is not all-inclusive, just the highlights. For more in-depth information on how to achieve Marriott Bonvoy elite status and the benefits of elite status, you’ll want to review our comprehensive articles.

Bottom Line: Complimentary Marriott Bonvoy elite status that comes with Marriott Bonvoy-branded credit cards, the Amex Platinum card, and the Amex Business Platinum card can offer benefits at Marriott properties such as late checkout, bonus points for your stay, complimentary Wi-Fi, a dedicated reservation line, access to special hotel rates, and expanded redemption options. 

Final Thoughts

If you stay frequently at Marriott properties, having one of the Marriott Bonvoy-branded cards could improve your experience, increase your earnings, and save you money.

If you stay at other hotel chains, fly frequently, and enjoy premium travel perks, a travel rewards card might be a better fit or an appropriate supplement to a Marriott Bonvoy-branded card. This strategy may also ensure your largest expenditures, not within the bonus categories of Marriott Bonvoy-branded cards, receive maximum earnings.

Finally, we mention in this article that Ultimate Rewards points and Membership Rewards points can be transferred to the Marriott Bonvoy program. While this is true, the ratio of transferring is normally 1:1 and may not be a good value for your points, unless you need to top off your Marriott Bonvoy account for a specific redemption.

Watch for promotions offered by these rewards programs, however, when the transfer ratio can increase up to 1 reward point equaling as much as 1.4 Marriott Bonvoy points, a much better value than the 1:1 normal transfer ratio.

Always check the value you’re receiving before you transfer points. Most flexible points have the potential to receive the best value when transferred to airline partners, but not always.

For more on the relative value of points and miles, we’ve put together a comprehensive guide.

For the car rental collision damage coverage benefit of the Marriott Bonvoy Brilliant® American Express® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the purchase protection benefit of the Marriott Bonvoy Brilliant® American Express® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental collision damage coverage benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance benefits of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 

For the car rental collision damage coverage benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the baggage insurance plan benefit of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 

For the car rental collision damage coverage benefit of the Marriott Bonvoy Business® American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the baggage insurance plan benefit of the Marriott Bonvoy Business® American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 

For the car rental collision damage coverage benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

For the trip cancellation and interruption insurance benefits of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty and purchase protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 

The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

Which is the best Marriott Bonvoy credit card?

The best Marriott Bonvoy credit card for you will be the one that matches your spending mix, has an annual fee that you’re comfortable paying, and that provides benefits you personally find valuable.

The Marriott Bonvoy-branded card that has the best collection of benefits for the Marriott loyalist is the Marriott Bonvoy Brilliant card, but this card also has the highest annual fee. The value you receive from any card should simply outweigh any expense of having the card.

If you’re a frequent traveler and a Marriott loyalist, you may want to select a Marriott Bonvoy-branded card that’s a fit and supplement it with a general travel rewards card that is also a fit. This combination can ensure that you’re earning maximum rewards and receiving all the benefits you feel are relevant to your travel lifestyle.

Can I transfer Marriott Bonvoy points to airlines?

Yes, it is possible to transfer Marriott Bonvoy points to airlines and there are more than 40 airline transfer partners from which to select.

However, it is not always good value to transfer your points to airlines. The transfer ratio is 3:1, meaning that it takes 3 Marriott Bonvoy points to equal 1 frequent flyer mile. There are a few exceptions to this ratio.

There are also transfer bonuses. In most cases, when you transfer 60,000 Marriott Bonvoy points, you receive an additional 5,000-mile bonus.

The bottom line is that the best value for your Marriott Bonvoy points is to use them for free hotel rooms, but you may find some instances where good value could be realized if you found an inexpensive premium award flight.

How does the Marriott 15 Elite Night Credits benefit work?

Each calendar year, cardholders will receive 15 Elite Night Credits to their Marriott Bonvoy account. The nights are not free hotel nights, they are just night credits that count toward elite status.

For example, you need 25 nights in a calendar year to earn Marriott Bonvoy Gold Elite status. The 15 nights count toward the 25 so you would only need to stay 10 more nights to qualify.

If you hold both the Marriott Bonvoy Brilliant card and a business Marriott Bonvoy-branded card, you can receive up to 40 total Elite Night Credits each year.

Do Marriott Bonvoy points expire?

As long as you have points activity such as earning or redeeming points in your account, your points will not expire.

It there is inactivity for 24 months, the points will expire at that time.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

The Ultimate Lounge Playbook!

Discover the exact steps we use to get into 1,400+ airport lounges worldwide, for free (even if you’re flying economy!).

playbook cover
DMCA.com Protection Status