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Best Marriott credit cards of September 2024

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If you frequently book hotel stays, having one of the best Marriott credit cards in your wallet can help you enjoy awesome perks across one of the largest hotel portfolios in the world. Marriott Bonvoy cards are issued by both Chase and American Express, and the current lineup features options to meet the needs of any traveler. Or, you can consider a flexible travel card that still includes benefits for your Marriott stays.

Need help choosing the right card to match your spending habits and overnight stays? Our expert travel team has put together this guide with all the important information you need to make an informed decision about which Marriott credit card is the best for you. View our partner offers below. 

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
  • Marriott Bonvoy Boundless? Credit Card: Best for occasional Marriott guests
  • The Platinum Card? from American Express: Best for elite status across programs, including Marriott
  • Marriott Bonvoy Bevy? American Express? Card: Best for Marriott Bonvoy Gold elite status
  • Marriott Bonvoy Bold? Credit Card: Best for Best no-annual-fee card
  • Marriott Bonvoy Business? American Express? Card: Best for small businesses
  • Marriott Bonvoy Brilliant? American Express? Card: Best for welcome offer and elite status

Browse by card categories

Best for occasional Marriott guests
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
17XEarn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy? with the Marriott Bonvoy Boundless? Card.
3XEarn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
2X2X points for every $1 spent on all other purchases.
Open Intro bonus
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
$95
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards.

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • 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
Best for elite status across programs, including Marriott
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
5XEarn 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.
5XEarn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel.
Open Intro bonus
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.
Earn 80,000 points
$695
See Pay Over Time APR
Open Credit score description
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome offer on this card is quite lucrative. TPG values it at $1,600
  • Access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $500 in assorted annual statement credits and more (enrollment required)
  • Access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
  • 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 through American Express Travel using 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.
  • $199 CLEAR? Plus Credit: CLEAR? Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 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 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, 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.
  • See Rates & Fees
Best for Marriott Bonvoy Gold elite status
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
6XEarn 6X Marriott Bonvoy? points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
4XEarn 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).
2XEarn 2X points on all other eligible purchases.
Open Intro bonus
Earn 155,000 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 155,000 Marriott Bonvoy bonus points
$250
20.99%-29.99% Variable
Open Credit score description
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.

Pros

  • This card offers mid-tier perks for those loyal to Marriott Bonvoy
  • You'll get automatic Gold Elite status, solid points-earning at Marriott properties and 15 elite night credits each year

Cons

  • This card lacks a number of benefits that you might expect from a card with a $250 annual fee
  • You have to spend at least $15,000 in eligible purchases (per cardmember year) to earn a free night award, when competing cards at the same annual fee (or even lower) include that perk with no spend
  • No lounge membership or statement credits for perks like TSA PreCheck/Global Entry
  • Earn 155,000 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.
  • See Rates & Fees
Best for Best no-annual-fee card
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
2.5 / 5
Go to review
14XEarn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy?.
2XEarn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
1X1X point for every $1 spent on all other purchases.
Open Intro bonus
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.
Earn 60,000 Bonus Points and 1 Free Night Award
$0
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks.

Pros

  • 5 elite night credits annually to help earn mid or high tier Bonvoy status
  • Automatic Bonvoy Silver Elite status
  • Baggage delay insurance, lost luggage reimbursement and trip delay reimbursement coverage

Cons

  • Limited perks and meager earning rates
  • May not make sense if you don't stay at Marriott properties
  • There are better Marriott cards if you want higher tier status or benefits
  • 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
Best for small businesses
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
6X6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy? program.
4X4x 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.
2X2x points on all other eligible purchases.
Open Intro bonus
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.
Three Bonus Free Night Awards
$125
20.99% - 29.99% Variable
Open Credit score description
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.

Pros

  • 6 points per dollar of eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2 points per dollar on all other purchases
  • Earn a free-night award each card renewal month
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ different airlines
  • Perks include premium on-property internet access, complimentary Marriott Gold status, access to Amex Offers, and no foreign transaction fees

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • 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.
Best for welcome offer and elite status
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
6XEarn 6X Marriott Bonvoy? points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy?.
3X3X Marriott Bonvoy? points at restaurants worldwide and on flights booked directly with airlines.
2X2X Marriott Bonvoy? points on all other eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card.
Open Intro bonus
Earn 185,000 Marriott Bonvoy? bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Earn 185,000 Marriott Bonvoy bonus points
$650
20.99%-29.99% Variable
Open Credit score description
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.

Pros

  • Earn up to $300 in statement credits each account year for eligible purchases at restaurants worldwide (up to $25 per month)
  • 1 free night award (up to 85,000 points) every year after your card renewal month, valid at hotels participating in the Marriott Bonvoy program (certain hotels have resort fees)
  • Priority Pass Select membership (enrollment required)

Cons

  • $650 annual fee isn't insignificant
  • May not make sense if you don't stay at Marriott properties
  • Earn 185,000 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 Brilliant? American Express? Card 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?. Earn 3X Marriott Bonvoy? points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy? points on all other eligible purchases made on the Marriott Bonvoy Brilliant? American Express? Card.
  • 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.
  • See Rates & Fees

Comparing the best Marriott credit cards

Credit card
Best forIntro offerEarning rateAnnual fee
4
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
occasional Marriott guests
Earn 3 Free Night Awards
Open Intro bonus
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!
2 - 17X points
$95
4.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at American Express's secure site
elite status across programs, including Marriott
Earn 80,000 points
Open Intro bonus
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.
5X points
$695
3
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at American Express's secure site
Marriott Bonvoy Gold elite status
Earn 155,000 Marriott Bonvoy bonus points
Open Intro bonus
Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
2 - 6X points
$250
2.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
Best no-annual-fee card
Earn 60,000 Bonus Points and 1 Free Night Award
Open Intro bonus
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.
1 - 14X points
$0
3.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at American Express's secure site
small businesses
Three Bonus Free Night Awards
Open Intro bonus
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.
2 - 6X points
$125
3.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at American Express's secure site
welcome offer and elite status
Earn 185,000 Marriott Bonvoy bonus points
Open Intro bonus
Earn 185,000 Marriott Bonvoy? bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
2 - 6X points
$650

More details on the best Marriott credit cards

Marriott Bonvoy Boundless? Credit Card

The Bonvoy Boundless is a great pick for travel credit card beginners. The card offers an annual free night certificate (worth up to 35,000 points) after account anniversary, Silver Elite status and 15 elite night credits annually to help you jump-start your journey into the Bonvoy program. Even the most casual Marriott user could benefit from this entry-level card. Read our full review of the Marriott Bonvoy Boundless card.

Travelers who book at least one Marriott hotel a year would benefit from having the Marriott Bonvoy Boundless in their wallet. With its many perks, including the annual free night certificate, the card basically pays for itself.

“This card is worth keeping in my wallet every year due to the fact that I can get outsized value from the free night certificate for a low $95 annual fee. Combining the 15 elite night credits I receive with this card with the ones I get by holding another Marriott business card means it is attainable for me to requalify for Platinum Elite status every year.” — Matt Moffitt, senior credit cards editor

For travelers who are looking for more flexible reward earning and redemption options, the Chase Sapphire Preferred? Card can be a better option. The Sapphire Preferred earns Chase Ultimate Rewards points, which can be transferred to any of Chase’s 14 travel partners (including Marriott) or used directly through Chase Travel.

The Platinum Card? from American Express

There is no premium travel card like the Amex Platinum, as it offers a slew of benefits, credits and perks. For travelers looking to get the most out of a travel card, the Amex Platinum can be the perfect addition to their wallets thanks to the unparalleled lounge access, assorted annual statement credits and extensive travel perks that come with it. It even includes automatic Gold Elite status in the Bonvoy program (enrollment required). Read our full review of the Amex Platinum Card.

Frequent travelers can find a lot of use for the Amex Platinum’s lounge access and annual statement credits, but casual travelers would be hard-pressed to justify the card’s hefty $695 annual fee (see rates and fees).

“As a frequent traveler, the Platinum Card's extensive lounge access makes the card a must-have on the road. I can access Delta Sky Clubs, Centurion Lounges, Plaza Premium lounges, Priority Pass lounges and others. More often than not, this means I have a place to relax before my flight. This has saved me thousands of dollars in airport food over the years and keeps me productive at the airport. On top of this, the up to $200 airline fee credit and up to $200 Uber Cash offset most of the card's high annual fee.” — Andrew Kunesh, former senior points and miles editor

If you are looking for a premium travel card with a more flexible travel credit and a greater variety of bonus categories, the Chase Sapphire Reserve? may be a better fit for your wallet. The Sapphire Reserve still comes with many travel perks and benefits, plus 3 points per dollar spent on travel and dining, all with a slightly more affordable $550 annual fee.

Marriott Bonvoy Bevy? American Express? Card

The Marriott Bonvoy Bevy is a mid-tier Marriott products that offers a great welcome offer, complimentary Gold Elite status and bonus points on each paid stay. For the right Marriott customers, the Bevy could be a great way to earn more on their Marriott stays. Read our full review of the Marriott Bonvoy Bevy.

Marriott customers who don’t have a Marriott card yet should consider adding the Bevy to their wallet. The Bevy’s automatic elite status, welcome offer and bonus points on paid stay can help them maximize returns on their stays.

Earning elite status typically requires many hotel nights, but with the Bevy card, cardholders receive automatic Gold status and 15 elite night credits every year.

If you want a Marriott card but are looking for one that comes with a free night every year, consider the Marriott Bonvoy Boundless? Credit Card instead. You’ll receive a free-night certificate (valid up to 35,000 points) each year when you renew your card, and it also features a lower annual fee of $95.

Marriott Bonvoy Bold? Credit Card

The Marriott Bonvoy Bold is a great starter option for any traveler interested in the Bonvoy program. The card provides travel protections, 5 elite night credits to help you jump-start your elite status journey and automatic Silver Elite status, all for no annual fee. Read our full review of the Marriott Bonvoy Bold.

New travel credit card users who are looking for a solid no-annual-fee pick can find great value in the Marriott Bonvoy Bold’s earning rates and perks.

The Marriott Bonvoy Bold is a great way to enter the Bonvoy program since it has no annual fee but still features automatic status and a solid welcome offer. If you've been considering applying for a Marriott credit card, the Bonvoy Bold is a good start.

If you want to earn transferable points but are looking for a card without an annual fee, consider the Capital One VentureOne Rewards Credit Card (see rates and fees) instead. It earns a flat 1.25 miles per dollar spent on all purchases and can be transferred to any of Capital One’s 15-plus travel partners.

Marriott Bonvoy Business? American Express? Card

The Marriott Bonvoy Business Amex is the perfect mid-tier business card for a small-business owner loyal to Marriott. It features elevated earning rates for business categories like U.S. gas stations and U.S. wireless telephone service. Plus, it comes with complimentary Gold Elite status, 15 elite night credits (which can be stacked with those from a personal Marriott card) and an annual free night certificate after your card renewal month. Read our full review of the Marriott Bonvoy Business Amex Card.

Small-business owners who prioritize Marriott properties for stays should consider adding this card to their business wallet. The $125 annual fee can easily pay for itself with the annual free night certificate. Not to mention, the additional perks of elite status and elevated earning rates add to its value.

“If I had to name one credit card I’ll never cancel, I’d choose this one. I love that its elite night credits stack with those from my personal Marriott credit card, and I can get far more value from the free night award than I pay for the card’s annual fee each year. This card has a permanent place in my wallet.” — Ryan Smith, former credit cards writer

If you are looking for a business hotel credit card but find your company frequents Hilton properties, consider The Hilton Honors American Express Business Card instead. The card offers many of the same perks as the Marriott Bonvoy Business but at a slightly more affordable annual fee of $195 (see rates and fees).

Marriott Bonvoy Brilliant? American Express? Card

The Bonvoy Brilliant Amex is Marriott’s most premium card and comes loaded with perks, including up to $25 in monthly dining credits (up to $300 per year), automatic Platinum Elite status, a free night award (worth up to 85,000 points) after your card renewal month and a Priority Pass Select membership (enrollment required). The card’s benefits come at a premium annual fee of $650 (see rates and fees), but this can still be a great addition to a Marriott enthusiast’s wallet. Read our full review of the Marriott Bonvoy Brilliant.

Marriott loyalists would get the most value out of having the Marriott Bonvoy Brilliant. The annual free night award, worth up to 85,000 points, can be a great way to score a free night at any of these Marriott hotels.

“This card is an absolute no-brainer for those who stay at full-service Marriott brands multiple times a year but not quite enough to naturally earn the Marriott Platinum Elite status that unlocks perks like free breakfast, club access and suite upgrades. I’ve got the card so that I can enjoy hundreds of dollars in annual status perks, plus the annual 85,000-point award certificate that saves me hundreds of dollars on a night at higher-end Marriott hotels and resorts.” — Summer Hull, director of content

If you are looking for a premium hotel card at a lower cost but with similar perks, consider the Hilton Honors American Express Aspire Card, which carries an annual fee of $450 and offers many premium benefits — just at participating Hilton Honors properties.

The information for the Hilton Amex Aspire has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Maximizing Marriott credit cards

Leverage Marriott’s fifth-night-free benefits

One of the best ways to maximize Marriott rewards is to take advantage of the program’s fifth-night-free benefits. Marriott automatically applies this perk if you use points to book a stay of five nights or more. The benefit also can be earned more than once on a single stay which means you can get two nights free when booking for ten nights. 

Related: 7 ways to maximize Marriott Bonvoy award night redemptions

Stay at Marriott’s best properties

Surprisingly, one of the best ways to maximize your Marriott rewards is to stay at some of Marriott’s luxurious properties. Ritz-Carlton and St. Regis properties are among the most lavish hotels in the world and these spectacular properties are a part of Marriott’s portfolio. Many of these hotels are a Category 8 Marriott property which means you can redeem a night here for as low as 70,000 points during off-peak seasons. For example, The Ritz-Carlton Maldives, Fari Islands is one of the most beautiful properties in the world and regularly tops $1,600 before taxes and fees. But with Marriott’s redemption chart, a night here can be as low as 70,000 points which TPG values at $560. That’s over $1,000 in savings!

Transfer to Marriott’s airline partners

Marriott Bonvoy points likely have the best redemption rates at hotels but the program does transfer to 41 different airlines across all major alliances. The transfer ratio is generally 3:1 which is not ideal but Marriott does offer a 5,000-mile bonus for every 60,000 points transferred. 

What is unique about Marriott’s airline transfer is that they are partnered with many airlines that cannot be found among major rewards programs like Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards and Capital One Miles. So the next time you’re considering a flight with Aegean Airlines or TAP Air Portugal, make sure to check your Marriott Bonvoy balance. 

Related: Maximizing Marriott Bonvoy's unique airline transfer options

How we rate cards

To rate the best Marriott credit cards, we considered TPG staffers’ top picks in addition to cards that offered a lot of value in varying categories, including perks and benefits. At TPG, our team spends a large chunk of the year in hotels all over the world — which some of us book with Marriott cards. To learn more about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonus We included cards that offered generous welcome bonuses that you can use for future bookings.
Annual feeThe best Marriott cards start with a $0 annual fee and go up from there, offering varying perks at every price point.
Earning ratesWe chose Marriott cards that offer various earning rates so you can choose one that helps you maximize your spending and earning.
Redemption optionsOur best Marriott cards come with a variety of redemption options, including free nights at a Marriott property.
Added benefitsIn addition to free nights, these cards offer perks like travel insurance and shopping protection.

What is Marriott?

Marriott International is an American company that specializes in domestic and international hotels and resorts. It currently has over 8,000 properties in 30-plus brands across more than 130 countries and territories.

The Marriott Bonvoy loyalty program was created in 2018 with the integration of Marriott Rewards, Starwood Preferred Guest and The Ritz-Carlton Rewards. It offers members various ways to earn points, including through the use of credit cards from both Chase and American Express, and then redeem those points for free nights around the world.

Marriott credit card benefits

Marriott credit cards come with many perks and benefits. We have outlined some notable ones below.

Marriott Bonvoy points earning

Marriott’s reward currency is known as Marriott Bonvoy points. The cobranded cards listed above have elevated reward rates on eligible Marriott spending, which can help you get the best return on your spending with Marriott. These points can then be redeemed for future Marriott stays.

Complimentary elite status

Many of the cards listed above provide complimentary elite status with Marriott. Depending on the tier, this can include perks like bonus points, room upgrades or even complimentary breakfast. Check out our guide on how to earn Marriott elite status — and whether or not it's worth it for you.

Free night awards

Free night awards are certificates given out by Marriott as annual perks on many credit cards. These awards can be redeemed for a free night at an eligible Marriott hotel (though you’ll still need to pay any resort fees the property charges). On the lower end, these certificates are worth up to 35,000 points, but the Marriott Bonvoy Brilliant? American Express? Card has a free night award that will cover a hotel night worth up to 85,000 points.

Additionally, you can add up to 15,000 of your own Marriott Bonvoy points to these certificates if you want to unlock even higher-priced properties.

Related: How to use a Marriott Bonvoy 35,000-point certificate

How to choose the best Marriott credit card

Choosing the best Marriott credit card will depend on a couple of factors, including how often you stay at Marriott properties, whether or not you’re willing to pay an annual fee to hold a certain card and what categories you most frequently spend in to name a few.
Here are some of the main points to consider when choosing a Marriott credit card:
  • 1
    Welcome bonus
    Our picks offer different welcome bonuses that let you earn different types of points, including Marriott Bonvoy points. Choose a card that you can easily reach the minimum spend threshold in order to obtain the welcome bonus.
  • 2
    Annual fee
    From cards that feature hefty annual fees — and offer premium perks — to cards with no annual fees, there’s a good choice for every type of consumer, whether you stay at Marriott properties several times a year or just a few sporadic nights here and there.
  • 3
    Bonus categories
    Thanks to a variety of cards to choose from, narrowing down your options should be easy when you consider your top spending categories. Whether it’s on dining, gas or at U.S. supermarkets, there’s a card that’ll help you earn even more points and miles rewards.
Award travelers guide to Marriott Bonvoy - The Points Guy
How to unlock elite status, transfer points and more for awesome stays

Ask our experts

What's your favorite Marriott credit card — and why?

Pros + cons of Marriott credit cards

Pros

  • Using Marriott credit cards responsibly can help you build your credit score
  • Marriott credit cards can earn Bonvoy points (or flexible travel rewards) on every dollar you spend
  • Many Marriott credit cards provide travel and shopping protections
  • Some Marriott credit cards provide perks like free night certificates, automatic elite status and more

Cons

  • Carrying a balance and using your Marriott card irresponsibly can damage your credit score
  • Applying for too many credit cards can negatively affect your credit score
  • Marriott Bonvoy doesn’t have a published award chart, so the number of Marriott points you need for a free night can vary significantly
  • You may not stay at participating properties enough to make a Marriott credit card worthwhile

Frequently asked questions

The best Marriott card depends very much on your personal situation. All have their own perks, but your perfect card will be the one that offers a collection of benefits and earning rates that match your travel needs. Compare each card prior to signing up, and remember to take into account your willingness to pay an annual fee, how often you stay in Marriott properties and what your individual spending habits are before you submit an application.

Ultimately, there isn’t a universal best option for everyone. Instead, you should aim to pick the Marriott credit card that’s best for you.

If you stay at a Marriott property, even occasionally, it’s likely worth it to have a Marriott credit card. The annual free night certificates alone can make the math work on both the low-tier and high-end Marriott cards, as you can easily use free nights to cover the cards’ annual fees. Once you factor in all the other benefits the cards offer, you’ll find that you can often get additional value beyond the amount spent annually to have the card.

To apply for any Marriott card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen prompts to complete (and submit) your application. Just be sure you’re eligible for a welcome bonus on the card you’re applying for, which isn’t a simple proposition for Marriott credit cards.

You can read more about Marriott Bonvoy credit card eligibility requirements in this guide. You’ll also want to check out our overall guide to credit card application restrictions.

Marriott does not publish a limit on the number of cards you can have, though it’s worth noting that Marriott uses two issuers for its cobranded cards: American Express and Chase. Amex does not typically allow individuals to have more than five credit cards, while Chase usually caps the total amount of credit it’ll extend to you across all cards. Additionally, Chase has its infamous 5/24 rule, which means it won’t approve users who have opened five or more new personal credit cards within the prior 24 months.

If you can avoid running afoul of both of these general rules, you certainly can have two (or even more) Marriott credit cards — especially if you want multiple free night certificates.

Marriott Bonvoy credit cards have either a Visa logo or an American Express logo. Thus, they can be used at any merchant that accepts these networks.

Many Marriott credit cards do include rental car insurance. However, this may be secondary coverage, which means you’d need to submit a claim with your personal car insurance policy in the event of theft or damage to your vehicle.

It’s critical to read the details of any included rental car insurance to ensure that you are adequately covered by the perk.

All Marriott credit cards waive foreign transaction fees when swiping your card outside the U.S.

There are several Marriott credit cards that come with an annual free night award, which is received upon card opening and at each card renewal month. Additionally, by using your card at Marriott properties and on everyday purchases, you’ll earn Marriott Bonvoy points that can then be redeemed for free nights across the program’s global footprint.