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Review on the Marriott Rewards Premier Credit Card

Marriott Rewards Premier Credit Card

This is the option that loyal travelers should consider.

If you’re one of those passionate travelers who prefer staying at hotels, this card will be quite beneficial for you.

Even though there is a fee of $85 to pay each year, the perks that come with the card are worth this price. In particular, once you become a cardholder of the Marriott card, you’ll be granted Elite status automatically as well as the access to the loyal programs of both, Marriott itself and Starwood. Besides, you’ll be given the right to spend 1 night at the hotel you choose for free (once in a year).

We don’t recommend getting the card unless you’re a loyal Marriott client who travels a lot. The card will also be advantageous for those who need a hotel loyalty program and a long list of places to choose from.

General description

Marriott Rewards Premier Credit Card

Marriott Rewards® Premier Credit Card

  • APR Special Offer: No offer for this card.
  • Standard APR from 16.99% to 23.99%. The rate can vary. Cash Advance APR amounts to 25.99%, but it’s also a subject to changes.
  • There the annual fee of $85 to pay.
  • Special Offer: In case you spend as much as $3,000 within the first 3 months, you’ll be rewarded 80,000 bonus points.

Perks associated with the card:

  • No charge for purchases made abroad

Drawbacks that come with the card:

  • You have to pay annual fee
  • The rewards you get matter only under the condition that you’re a frequent guest at Marriott’s places.

More information on the card:

  • There is a very appealing sign-up bonus waiting for new cardholders.
  • There is an opportunity to get additional bonuses. It’s stated that those who make at least 1 purchase within the first 3 months and add 1 authorized user will be rewarded 7,500 bonuses.
  • Being a cardholder, you’ll be given a present to celebrate each your anniversary with the card.
  • In order to get a free night at a hotel faster, you need to focus on earning Marriott points.
  • The card comes with high effective rewards rates.
  • You get points for making purchases with the card everywhere and not only at restaurants, hotels and car rental agencies.
  • The fee a cardholder is required to pay each year is rather low.

The reasons for you to consider applying for the card

  • You’re looking for a card that offers a very appealing sign-up bonus and high effective rewards rates. Being a new cardholder, you can get 80,000 bonus points that are equal to $800. That’s probably the biggest bonus you can find with a travel rewards card. The bonus will be given to you under the condition that you spend $3,000 within the period of the first 3 months. If you plan carefully and use this bonus wisely, it’ll be enough to pay for 13 nights at a hotel. As for the rewards you earn, here are the rates:

You’ll be rewarded 5 points/$1 (for the purchases made with the card at either Marriott or SPG places). You’ll get 2 points/$1 (for the purchases made at various restaurants, car rentals as well as in case you book your flight directly with an airline). All the rest purchases go under the rate of 1 point/$1.

There are also certain rewards you’ll earn just because you’re a loyal Marriott client. Depending on the type of the purchase as well the location, you can get from 5 to 10 points for every dollar you spend. Since the card grants you the Silver Elite status, you’re to expect 20% additional points on the number of points you earn due to your Silver Elite membership. (We’ll tell you more about the status a bit later) Overall, the card offers quite high rewards rates and gives you a chance to increase them up to 17% when you make a purchase at Marriott places.

  • You’re a loyal Marriott client who looks for flexibility in a credit card. Marriott acquired Starwood back in 2016. As a result, it is now considered to be the biggest hotel chain that has more than 6,000 almost all over the world. Even though it’s stated that the loyal programs won’t be combined until 2018, there are some perks you can enjoy due to the merge:
  • You can match your Elite status. In order to do that, you need to link the account you have with Marriott with the accounts of Starwood. Once you do it, you’ll get the same status with Starwood.
  • You’re now free to transfer the points you earn. The best option here is to convert SPG points into the Marriott points. keep in mind that each SPG point is worth 3 Marriott points.

We’ve made some simple calculations and found out that the points have the following value: 1 cent/1 Marriott point, 0.9 cents/1 point earned with Ritz-Carlton and 2.3 cents/1 SPG point.

  • You’re the one looking for an anniversary present. This is a great perk to enjoy with the card. The idea is that you’re rewarded the right to spend one free night at the hotel of your choice once in a year for as long as you’re the Marriott cardholder. The crux of the matter is that if you manage to book one free night at a very expensive hotel (the one at which one night costs $200 and even more), you’ll easily make up for the fee you pay for the card itself. You should be aware of the fact that your free night expires if it’s not used within 1 year.
  • You’re the one who cares a lot about status. You’ll be automatically granted the Silver status that implies the following perks:
  1. You get access to priority boarding.
  2. You earn 20% additional points on top of your Marriott points.
  3. You get 10% discount when buying anything at Marriott gift shops.
  4. You’ll get 10% discount if you decide to stay at some Marriott places.
  5. You’ll be granted the access to exclusive phone lines.
  6. You’ll get a reimburse in case Marriott cancels your reservation.

Remember that the 20% applies only to the points you earn when making purchases through a hotel, not all the purchases with your card. Here is how it works: you get 3,000 points for booking a Marriott hotel and you get additional 400 points as a bonus (because you actually earn 2,000 base points and only 1,000 through the Marriott Rewards® Premier Credit Card.

The reasons for you to consider applying for a different card

Chase Sapphire Preferred Card

  • You’re not a loyal Marriott client. If you do not stay at the Marriott places very often when travelling, you need to find a card that allows you to transfer the points you earn to a number of loyalty programs. For example, we recommend you to have a look at the Chase Sapphire Preferred® Card. This card allows you to transfer the points you have to a number of loyalty programs from airlines as well as hotel chains including Marriott. With this card you’ll get 2 miles for each dollar you spend (no matter what purchase you make). The Chase card also implies no fee to pay for the purchases made abroad and comes with a sign-up bonus that’s equal to $625 once redeemed. You’re expected to pay a fee of $95 for using the card starting from the 2nd

Capital One Venture Rewards Credit Card

  • You don’t want to bother focusing on the bonus categories offered by the card. It’s obvious that the Marriott card is one of the best cards that come with a set of rewards in terms of purchases from certain categories. However, if you’re the traveler who wants to have one card that offers rewards for all the purchases made with it, you’d better consider applying for the Capital One® Venture® Rewards Credit Card. This card allows you to earn 2 miles for every dollar you spend with it and then redeem the points you have accumulated on your account to cover any travel expenses. Just like the card we talked before, it has the annual fee of $95 that applies starting from the 2nd year of you using it and has no additional fee to pay for the purchases you make while travelling abroad. You’ll also have a chance to get 50,000 bonus miles. The miles are credited to your account if you manage to spend $3,000 on various purchases with the card within the first 3 months.

Summary: Is the Marriott Rewards® Premier Credit Card right the card you should apply for?

The card is your best choice f you’re a loyal Marriott traveler who wants to have a long list of places to choose from.


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Comments: 6
  1. KatyG

    I’m currently planning to get a credit card to pay for my wedding at one of the resorts. I’m thinking about whether the Marriott card is a good option from the point of view of the rewards I can get (I think I’ll charge it approximately $30,000). The other option I keep thinking about is the Starwood card. I’ve found out that the Starwood card allows its cardholders to transfer points earned without any loss of value to a number of loyalty programs (this sounds great for me). Can anyone give me any recommendations? Maybe, there is a better card to apply for in my situation? I already have the Chase Sapphire card put I suppose I can get more rewards for such a big purchase with a different card. Thanks in advance for your help!

    1. JTom

      Here is the way it is:

      With the Marriott card you’ll get: $30,000*5 bonus points = 150,000 points in total.

      Since the Starwood card rewards you 2 points for the purchases made at Marriott places, you get the following: $30,000*2 bonus points = 60,000 points in total. Remember that the Starpoints can be converted into Marriott points: 60,000 points*3 = 180 points in total.

  2. GregJ

    I’ve been using the card for a long period of time. Now, I’m planning to close the account as soon as I use the certificate I’ve earned with it. Even though the card allows you to convert the points you have earned with different cards into Marriott points at 1:1 rate, this is not something beneficial. The fact is that you won’t get much value for your points. The Marriott card requires you to spend a rather big sum of money ($15,000) to get the number of bonuses equal to $100. I think a cash back card may be more beneficial if you make such big purchases.

  3. Jeff

    I’m going to close may Capital One account and get the Marriott card instead. The reason for such a decision is that I frequently go to Europe and I have problems trying to use my Capital One card there. The fact is that it’s not accepted almost anywhere. The Marriott card won’t have this problem since it comes with chip and pin technology. I once called the Capital One’s customer support to ask them if there are any ways to solve my problem. The answer I got is that I can ask the card details can be entered manually. Actually, I failed to explain it to the German waiters who can’t speak English well.

  4. TimothyKL

    I use my Capital One card when travelling to Europe with no problems at all. However, I think that those who often go to Europe will be better off with the Club Carlson card in their wallets.

  5. FrankHilllside

    I think a lot of people underestimate the value of this card. If you’re a passionate traveler, the card will reward you certificates that you can use to stay at some places for not so long. Well, of course, you won’t be staying at luxurious hotels, but it’s still good to have a place to stay at when you are visiting your parents or something. Besides, you’re automatically granted the Silver status and it will stay with you even if you don’t make any purchases with a card for long. If, however, you don’t travel that much, of course, this card isn’t that good for you.

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