Marriott Rewards® Credit Card
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:
None 1st yr, $45 after - Network: VISA
| Initial Bonus |
Base Earn |
Max Earn |
Earn / Redeem Limit |
- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
- Earn 3 points for every $1 spent at Marriott® locations.
- Earn 1 point for every $1 spent on other eligible purchases.
- Cardmembers achieve Silver elite status with 10 nights credit toward Elite status.
- Redeem Marriott Rewards points at other Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites.
| Intro Rate |
Intro Period |
Regular Rate |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate14.24% (V) | Balance Transfer Fee |
| Cash Advance Rate |
Cash Advance Fee |
- No annual fee for your first year – that's a $45 value.
- Max Late Fee:
$35 - Max Overlimit Fee:
None - Max Penalty APR:
29.99% (V)
- Grace Period:
21 days - Online Response:
No - Foreign Transaction Fee:
3%
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The card information shown on this page was last updated: May 23rd, 2012 at 3:33 EDT
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I use my Marriott visa whenever I make a big purchase and the miles really add up fast. Also being silver status from the card is nice. You get a few perks because of this. I have never had trouble with customer service if I have had a question or concern with the account. The APR is competitive too. I would recommend this card to anyone. You might as well get something back if you will be spending the money anyway and who wouldn't want to have some of your vacation paid for? Incidentally, I have gotten a free night each year just for having the card in addition to the original free nights. Basically the annual fee pays for itself if you like to travel.
People looooveee getting free stuff from their credit cards, so much so that its easy to forget that this free stuff inevitably has a dollar value, which it’s important to find out and compare to the cash offers available from other cards. I mean you could be wowed by the 6 free nights you can get by opening the Marriott Credit Card, but I personally have no idea what a category 1 hotel is and whether its on the good or bad end of the spectrum. This is important because you should really only get a hotel or airline affiliated card, such as the Marriott Card, for ongoing use if you use that company’s services frequently and consistently. The pool of people who could benefit from a good initial bonus would be much larger, however. So read my likes and dislikes about the Marriott Rewards Credit Card with a sense of what group you’d fit into. Pros - Depending on where you stay and when, the Marriot Card’s initial bonus should be worth somewhere in the $400 – 900 range, which is pretty great. - The Marriott Credit Card gives you Marriott status points; you start off with Silver status and get 10 points toward Elite status; your status dictates the number of free goodies and services you get each time you stay. Cons - Three points per $1 spent at Marriott Hotels isn’t that great as far as ongoing rewards are concerned. - While there’s no annual fee in the first year, having to pay $45 a year thereafter for average ongoing rewards isn’t that great. So, for those of you considering applying for the Marriott Rewards Credit Card, here’s what I’d do. If you stay at Marriott properties all the time, I’d pass on the Marriott Rewards Card for its Premier counterpart, the Marriott Rewards Premier Credit Card. It has a better initial bonus and better ongoing rewards, so for the frequent Marriott customer, it’d be worth the $85 annual fee (beginning in the second year). And since non-frequent customers would presumably only be getting the Marriott Credit Card for the initial bonus, I’d recommend that they get the Premier option too. The thinking here is that you can get 7 or 8 free nights as opposed to 6 and probably wouldn’t keep your account open for longer than a year anyway. Even if you want to, the free night you get each year would pretty much pay for the annual fee. Ultimately the Marriott Premier Card is just a better Marriott Rewards Card than the Marriott Rewards Card itself.
I’m not saying you should marry it, but the Marriott Rewards Credit Card is a pretty darn good offer, considering the fact that you get two free nights when you get approved for an account and another four when you make your first purchase. That’s not a typo either, the Marriott Credit Card’s initial bonus can get you up to six free nights (less if you want to stay at one of Marriott’s fanciest hotels). That means the Marriott Card isn’t only useful for brand loyal frequent travelers as is often the case with hotel or airline credit cards affiliated with specific companies. In other words, even if you don’t stay at a Marriott Hotel on a regular basis, you could still make use of the six free nights the Marriott Credit Card gives you. That’s not to say that loyal Marriott customers won’t benefit either because they certainly will. The Marriott Reward Card also gives you 3 points per $1 spent at Marriott properties, 1 point per $1 spent everywhere else, and perhaps most importantly, a 10 nights credit toward Elite Status, which gets you a 20% bonus on the Marriott Rewards you earn, priority late check out, gift shop discounts, etc. It’s therefore pretty clear that for people looking to get a lucrative hotel credit card rewards bonus or loyal Marriott customers, the Marriott Card is a good choice. But are there any better choices? Well, Marriott also offers a Premier Credit Card, which gives you a 50,000 point initial bonus (worth about 6 free nights), one free night upon account approval, one free night each year on your account anniversary, 5 points per $1 spent at Marriott properties, 2 point per $1 on dining, airline, and rental car purchases, 1 point per $1 on everything else, and a 15 night credit toward elite status. Therefore, the Marriott Premier Rewards Credit Card offers more lucrative rewards, but it also has an $85 annual fee beginning in the second year, whereas the plain Marriott Rewards Credit Card charges only $45. Loyal customers should therefore decide whether the extra cost is worth the added rewards. Initial bonus hunters should get the Premier.
not only initial bonus hunters Joe. Everyone who can qualify for premier card (as that one requires higher credit rating) should go for premier. yes you pay more, but 45$ difference nets you free certificate every year you renew. well worth $45 bux.