Which Marriott Bonvoy Credit Card Is Right for You?

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The merger of Marriott Rewards and Starwood Preferred Guest into a single combined loyalty program — dubbed Marriott Bonvoy — has felt more like a piecemeal process than a single fell swoop. First, the points currencies and status levels were combined. Next, the legacy SPG properties were migrated over to Marriott’s reservation system. Finally, Marriott has unified its cobranded credit card offerings under the new Marriott Bonvoy branding.

Both Chase and Amex continue to issue different versions of Marriott Bonvoy credit cards. There are now a total of six different options, with Amex and Chase each issuing three, though each issuer closed one of its products to new applicants, leaving only two Amex cards and two Chase cards that you can still apply for.

Given all these changes, which include new welcome bonuses, new perks and updated annual fees, today we’ll take a look at which Bonvoy credit card is right for you.

Before we dive into the details, here’s a quick refresher on how the old Amex and Chase cards convert to the new Bonvoy branding:

a screenshot of a cell phone
a screenshot of a cell phone

In addition to these changes, Chase recently launched a Bonvoy credit card with no annual fee called the Bonvoy Bold.  As you would expect from a no-annual-fee product, it offers some but not all of the benefits of the other Bonvoy cards.


Unfortunately, many experienced award travel experts will not be eligible to earn the welcome bonuses on these Bonvoy cards for one reason or another. Each issuer has its own specific rules that restrict welcome bonus eligibility.

For Amex, the rule is one bonus per card per lifetime, and while the Bonvoy cards feature a new design, they aren’t technically counted as new products. That means you won’t be able to earn the 75,000-point welcome bonus after spending $3,000 in the first three months on the Marriott Bonvoy BusinessAmerican Express® Card from Amex if you’ve ever earned a welcome bonus on the Starwood Preferred Guest® Business Credit Card from American Express, since they’re considered the same product. With Chase, you have to deal with the infamous “5/24” rule, which says that in most cases, if you’ve opened 5 or more credit cards in the last 24 months, you’ll be automatically rejected when applying for new Chase cards.

In addition to these rules that apply respectively to nearly every Amex and Chase credit card, the two issuers took a worrisome step after the 2018 merger and began sharing customer data to further limit bonus eligibility. The terms and conditions of Chase’s entry-level Marriott Bonvoy Boundless Credit Card (previously known as the Marriott Rewards Premier Plus Credit Card) say the following:

“The bonus is not available to you if you:

As you can see, you’ll have to clear several hurdles to make sure you’re eligible before applying for any of the Bonvoy credit cards. The first step is to make sure you’re on the right side of issuer-specific rules (like 5/24), but then you still need to double-check the terms and conditions of each individual credit card.

Cards Closed to New Applicants

Two Bonvoy cards are no longer available to you if you don’t already have them in your wallet. The first is the Marriott Bonvoy Amex, previously known as the SPG Amex, one of the most iconic and well-loved cards in the history of travel rewards. It comes with a $95 annual fee, which you can more than recoup through the cards annual free night certificate, valid at hotels that cost up to 35,000 points.

The second is the Marriott Bonvoy Premier Plus Business Visa Signature Card (previously the Marriott Premier Plus Business Credit Card from Chase). This card’s annual fee was raised and it gained the ability to earn a second 35,000-point free night certificate after you spend $60,000 in a year.

Current holders of both of these products will be able to keep using their cards, but you’re no longer able to sign up for either.

Premium vs. Entry-Level

When deciding which cobranded card in a certain family is right for you, the first question to ask is whether you want the premium card or the entry-level version. Much of this boils down to whether the increased annual fee of the premium card is worth the extra perks it comes with. In this case, the Marriott Bonvoy BrilliantAmerican Express® Card (previously the SPG Luxury Amex) comes with a $450 annual fee (see rates & fees) while the entry-level personal cards — the Marriott Bonvoy Card from American Express (previously the SPG Amex) and the Marriott Bonvoy Boundless Card from Chase (previously the Marriott Premier Plus) — each have a $95 annual fee.

So how can we justify that extra $355 (450-95)? For starters, the premium Marriott Bonvoy Brilliant card from Amex comes with a $300 Marriott statement credit, valid on room rates as well as property charges like dining and spa treatments. If you’re considering getting a premium cobranded credit card, I’ll assume that a room rate credit is as good as cash, essentially dropping the out-of-pocket cost for the Bonvoy Brilliant card to $150.

That extra $55 a year ($150 vs. $95) gets you an anniversary free night certificate worth up to 50,000 points, vs. the 35,000-point free nights on the lower-fee Marriott Amex cards. This can get you into some real fancy hotels around the world, including the Atlantis Royal Towers, Ritz-Carlton Key Biscayne, Ritz-Carlton Bali and more. TPG values that 15,000-point difference at $120, but if you redeem this free night certificate in peak season, the extra value can be even greater than that. The Bonvoy Brilliant card also gives you the option to spend your way to Marriott Platinum status by charging $75,000 in a year, though that comes with a pretty high opportunity cost. Last but not least, the Bonvoy Brilliant now offers a $100 property credit (not valid on room rates) on select cash bookings of two nights or more at Ritz-Carlton and St. Regis hotels.

While the math on the luxury Bonvoy Brilliant card is pretty compelling, there’s no way around the fact that you have to front the $450 annual fee in order to start receiving benefits. If you’re not prepared to do that but want the perks of an annual fee card, which entry-level card is right for you?

Since the Bonvoy Amex and Marriott Bonvoy Premier Plus Business cards are now closed to new applicants, you’ll have the choice of an Amex-issued Bonvoy business card, or a Chase-issued Bonvoy personal card. Assuming you’re eligible to apply for both of these products, there are pros and cons to each.

With the Marriott Bonvoy Business card, you pay a higher annual fee ($125) (see rates & fees). You also have the ability to earn a second 35,000-point annual free night certificate after spending $60,000 a year. You also will get access to money-saving Amex Offers, which can completely offset your annual fee if you use them frequently.

The Chase Marriott Bonvoy Boundless Credit Card offers a lower annual fee of only $95, and still comes with an anniversary free night. With the closure of two cards to new applicants, this Bonvoy Boundless card is now your lowest-cost way to get your hands on a Marriott free night certificate. If you don’t qualify for a business credit card (though you might be surprised to learn that you do), this is the way to go. The card is currently offering a 75,000-point welcome bonus after $3,000 in spending in the first three months.

How About a No-Annual-Fee Card?

Whether it’s the premium Bonvoy Brilliant or the entry level Bonvoy Boundless, one theme keeps repeating itself: much of the value of the Bonvoy credit cards comes from the anniversary free night certificate they offer. While the new Marriott Bonvoy Bold Credit Card from Chase might be appealing because it doesn’t charge an annual fee, it also doesn’t offer any type of free night certificate, meaning you miss out on a perk worth as much as several hundred dollars.

The Bonvoy Bold is currently offering a sign-up bonus of 50,000 points after spending $2,000 in the first 3 months, worth $400 based on TPG’s valuations. That’s a pretty low return from a card that will take up one of your 5/24 slots, and the bonus categories aren’t great either. You’ll earn 3x points per dollar at participating Marriott hotels (vs. 6x on every other Bonvoy credit card), 2x on other travel purchases and 1x everywhere else (vs. 2x with other Bonvoy credit cards).

The bottom line with the Bonvoy Bold is that it doesn’t pack a strong enough punch for most serious Marriott travelers, who should be willing to pay $95 a year (or more) to lock in a valuable free night certificate and better bonus categories. Some people who don’t want to worry about forgetting to burn a free night certificate before it expires may be tempted by a Marriott card with no annual fee, but if you don’t stay in a Marriott hotel frequently, you should pause and ask yourself whether this is really the best use of one of your valuable 5/24 slots.

Bottom Line

With six cards across two issuers getting new names, designs and features, picking the right Bonvoy card for you is a real challenge. Heck, even remembering which card is which is going to require a cheat sheet for days and weeks to come.

Despite these changes, the premium Marriott Bonvoy Brilliant Amex still makes an excellent case for itself with a valuable up to 50,000-point anniversary free night, a $100 luxury property credit on select cash bookings at Ritz-Carlton and St. Regis hotels and more. Just be sure to double-check the application rules before applying for any of these cards to make sure you are in fact eligible for the welcome bonus.

For rates and fees of the Marriott Bonvoy Brilliant Amex, please click here.

For rates and fees of the Marriott Bonvoy Business American Express Card, please click here.

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