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Finest bank cards for Marriott in 2024



Phrases apply to American Specific advantages and presents. Enrollment could also be required for choose American Specific advantages and presents. Go to americanexpress.com to study extra.

Let’s play a recreation referred to as Marriott Bonvoy bank card or outdated British warship. Right here’s the checklist:

So, are these playing cards or ships? When you guessed “each,” you’d be largely appropriate. The reply is: all 5 are Marriott Bonvoy playing cards, and weirdly, three of them are additionally British warships (the HMS Bountiful, Sensible and Daring).

And identical to a naval fleet dealing with down Napoleon, the Marriott Bonvoy playing cards even have their very own flagship. Consider it or not, it’s not the ultra-premium $650-annual-fee Bonvoy Sensible, though that card has loads of deserves in its personal proper.

So let’s discover the very best playing cards for Marriott in 2024 — and consider which one might be proper for 90% of Marriott followers.

Overview of the 5 greatest bank cards for Marriott in 2024

Finest total: Marriott Bonvoy Boundless® Credit score Card

Marriott Bonvoy Boundless® Credit score Card

Intro bonus


Earn 5 free nights (valued at 50,000 factors for every evening) after spending $5,000 on purchases throughout the first three months of account opening.





Annual price $95
Common APR 21.49%–28.49% variable


Why we like this card: Merely put, the Marriott Bonvoy Boundless is a free evening machine. Proper from the beginning, it presents a welcome bonus of 5 free nights (valued at 50,000 factors for every evening) after spending $5,000 on purchases throughout the first three months of account opening. Or, to place a greenback quantity on it, doubtlessly round $2,250 in whole worth.

To place that into perspective, the Marriott Bonvoy Sensible instructions a $650 annual price ($555 greater than the $95 charged for carrying the Boundless) and presents a welcome bonus of “simply” 185,000 bonus factors after spending $6,000 on purchases throughout the first six months from account opening (90,000 factors greater than ordinary).

On high of that, you’ll rating one other free evening keep in a resort as much as 35,000 factors (yearly after account anniversary), in addition to prompt Silver Elite standing, 15 Elite Evening Credit — that means you’ll begin every year simply 10 nights away from Gold Elite — and 6X on Marriott purchases. Mix that with the 10X you’ll get only for being a Marriott Bonvoy member and 1X for being Silver Elite and also you’ll generate 17X on Marriott stays, which ain’t unhealthy. 

Plus, when you think about that award stays begin at simply 7,500 factors, you possibly can doubtlessly earn sufficient factors to your seventh free evening of the yr after spending as little as $450. 

Regardless of the identify, the Boundless does nonetheless include a considerably ironic restriction — your 5 welcome bonus nights can solely be value as much as 50,000 factors every, and your free anniversary evening is capped even decrease at 35,000 factors. 

That’s nonetheless a generously excessive bar to cross (for instance, the well-known four-star Atlanta Marriott Marquis begins round 38,000 factors) however since you may’t simply select to obtain factors as a substitute of nights, there’s no strategy to spend your bonus on a weekend keep on the Ritz. 

Even nonetheless, the Marriott Bonvoy Boundless is a extremely sensible and massively beneficiant rewards package deal that may delight the overwhelming majority of Marriott followers.

Try our full assessment of the Marriott Bonvoy Boundless card

Finest no-annual-fee Marriott card: Marriott Bonvoy Daring® Credit score Card

Intro bonus


Earn 30,000 factors after $1,000 in purchases throughout the first three months from account opening.




Annual price
Common APR 21.49%–28.49% variable


Why we like this card: Although the Marriott Bonvoy Boundless appears to be like like an objectively whole lot on paper, generally you simply don’t need to decide to a $95 annual price. Generally you simply need a journey rewards card that you should use once you want it for the additional factors — and retailer in a drawer till it’s time for an additional Marriott reserving. 

That’s the place the Marriott Bonvoy Daring is available in. You’ll get a welcome bonus of 30,000 factors after $1,000 in purchases throughout the first three months from account opening (value doubtlessly round $270 in redemption worth) and earn 4X on Marriott spending as a cardholder as much as a complete of 14X when you consider 10X factors for being a Marriott Bonvoy member at 1X for having Silver Elite standing. 

Sadly, the Daring’s checklist of advantages is getting… much less daring in 2024, with Chase eradicating the 2X charge on journey, 15 Elite Evening Credit and complimentary Silver Elite standing beginning on 7/10/24 (satirically, the financial institution calls these deletions “new enhancements”). 

However whilst a really lite model of the Boundless card, the Daring is value making use of for if all you need is factors for a free evening or two plus elevated earnings on Marriott bookings. 

Try our full assessment of the Marriott Bonvoy Daring card

Finest no-annual-fee card with versatile factors: Bilt Mastercard

Bilt Mastercard®

Particular characteristic

The Bilt Mastercard presents the distinctive means to earn factors on lease.




For charges and costs of the Bilt Mastercard see this web page



Annual price $0
Common APR See phrases


Why we like this card: The Bilt Mastercard rewards you for paying lease. Full cease. Even when your landlord doesn’t settle for bank cards (most don’t), Bilt will ship them a verify in your behalf or allow you to pay in your landlord’s on-line portal by offering you an account quantity and a routing quantity like a checking account would have, and also you’ll generate 1X per greenback for lease.

Plus, the Bilt Mastercard additionally generates 3X on eating, 2X on journey, 1X on different spending. Remember lease earnings are capped at 100,000 factors per calendar yr. Additionally, to earn factors, it’s essential to use your Bilt Mastercard a minimum of 5 occasions per billing cycle.

The Bilt factors you earn can switch to Marriott Bonvoy at a charge of 1:1 (together with different airline and resort chains for a complete of nicely over a dozen switch companions). So, for instance, should you pay $2,000 in lease monthly totaling $24,000 per yr, you possibly can generate 24,000 Marriott Bonvoy factors yearly — seemingly sufficient for an in a single day keep at a Residence Inn. 

As well as, should you switch a minimum of 20,000 Bilt Rewards factors in a single transaction, you’ll get a 5,000-point bonus. So all advised, the cardholder in our hypothetical may generate 29,000 factors doubtlessly value about $260 towards a Marriott keep, only for paying lease on time. 

The Bilt Mastercard additionally consists of helpful journey insurance coverage resembling journey cancellation and interruption safety, journey delay reimbursement and an auto rental collision harm waiver (major protection apart from New York state residents). 

And, in contrast to the Marriott Bonvoy Daring card, it’s also possible to redeem Bilt factors for money again within the type of a press release credit score should you’re in a pinch. We don’t advocate doing that, nevertheless, as a result of the worth of utilizing your rewards for a press release credit score is simply 0.55 cents per level.

By rewarding you for paying lease — and rewarding you once more for transferring your factors to Marriott — the Bilt Mastercard simply earns a spot on our checklist of the very best playing cards for Marriott in 2024. 
You even have the choice of reserving resort stays by Bilt’s journey portal, however remember reserving by an issuer portal often means you may’t reap the benefits of any elite standing you’ve got with the resort chain.

Try our full assessment of the Bilt Mastercard.

Finest premium rewards card: Marriott Bonvoy Sensible

Marriott Bonvoy Sensible® American Specific® Card

Intro Bonus


Earn 185,000 bonus factors after spending $6,000 on purchases throughout the first six months from account opening (90,000 factors greater than ordinary).





Annual price $650
Common APR 20.99%–29.99% variable


Why we like this card: On the flip facet of issues, should you’re devoted sufficient to the Marriott model to pledge $650 per yr to the fitting bank card, you’re in all probability in search of the Marriott Bonvoy Sensible. 

Positive, it might price roughly as a lot as some Taylor Swift tickets, however the Sensible card presents loads of worth in return. For starters, there’s a welcome bonus of 185,000 bonus factors after spending $6,000 on purchases throughout the first six months from account opening (90,000 factors greater than ordinary). Plus, get pleasure from as much as $25 monthly in eating assertion credit ($300 whole), Platinum Elite standing, a $100 Marriott property credit score good on the Ritz or St. Regis, Precedence Cross Choose and 25 Elite Evening Credit to speed up your climb to Titanium Elite (75 nights). 

You’ll additionally get a free anniversary evening, because the Boundless card, however with the Sensible it’s value as much as 85,000 factors (for context, the Atlanta Ritz-Carlton and St. Regis begin round 66,000 factors and 84,000 factors, respectively). The cherry on high is that the Sensible consists of the very best journey insurance coverage of the Marriott playing cards, with automobile rental loss and harm insurance coverage, baggage insurance coverage, journey delay protection and journey /cancellation/interruption insurance coverage. 

Cardholders may get reimbursed as much as $100 after placing the applying price for International Entry or TSA PreCheck on this card.

For a $650 card the rewards are a little bit humdrum, with simply 6X factors on Marriott purchases (21X whole with Bonvoy membership + Platinum Elite standing), 3X on eating/flights and 2X factors on all different eligible purchases. However should you’re the kind who values airport lounge entry in your strategy to the native Ritz, the Sensible could also be a terrific match to your journey pockets. 

Try our full assessment of the Marriott Bonvoy Sensible card

Finest for common journey use: Chase Sapphire Most popular® Card

Chase Sapphire Most popular® Card

Intro bonus


60,000 bonus factors after spending $4,000 on purchases within the first 3 months from account opening





Annual price $95
Common APR 21.49%–28.49% variable


Why we like this card: As a lot as we like the present lineup of Marriott Bonvoy playing cards, the primary disadvantage to utilizing resort rewards playing cards typically is that your scope of redemption choices is fairly restricted. For essentially the most half you’ll be producing resort factors towards resort stays, and most don’t have a cash-back redemption choice. 

So should you’d like a card that rewards you for reserving Marriott stays however with much more versatile factors, you’re in all probability in search of the Chase Sapphire Most popular® Card. The cardboard generates 5x factors on journey bought by Chase Final Rewards®, 3x factors on eating, 2x factors on journey purchases not booked by Chase and 1x factors on different purchases. 

You too can earn a considerable welcome bonus of 60,000 bonus factors after spending $4,000 on purchases within the first 3 months from account opening. Factors have a base worth of 1 cent every when redeemed for money again, and when used to e-book journey within the Chase portal, are value 25% extra. Which means 60,000 factors are value a whopping $750 in journey booked through Chase Final Rewards.

An necessary caveat is that reserving Marriott stays by the Chase journey portal disqualifies you from incomes resort factors or standing. When you e-book immediately with Marriott (and also you’re a Marriott Bonvoy member) you’ll earn 10X with Marriott and 2X with Chase, which isn’t a nasty return and could be the higher choice if incomes factors and elite standing with the resort is necessary to you.

Sapphire Most popular cardholders may switch their Chase factors at a 1:1 charge to greater than a dozen airline and resort companions, together with Marriott Bonvoy.

All issues thought-about, whereas the CSP (because it’s popularly recognized) could not generate the mixed 17X that the Boundless card does, the factors you earn are much more versatile in case you want them for a flight, rental automobile or *gasp* a Hyatt or IHG keep.

Try our full assessment of the Chase Sapphire Most popular card

Honorable point out: Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Specific® Card

Marriott Bonvoy Bevy™ American Specific® Card

Intro Bonus


Earn 155,000 bonus factors after spending $5,000 on purchases throughout the first six months from a account opening (70,000 factors greater than ordinary).





Annual price $250
Common APR 20.99%–29.99% variable


Why we (kind of) like these playing cards: To preface, the Bountiful and the Bevy are nearly similar. The chief distinction is that the Bountiful is obtainable by Chase and the Bevy is an Amex. In any other case, they’re twins. 

However in contrast to Venus and Serena Williams, there’s no wholesome sibling rivalry right here driving each events to a better customary. There’s a free anniversary evening value as much as 50,000 factors, however you gained’t earn it till you spend $15,000 in a calendar yr. The playing cards additionally provide complimentary Gold Elite standing.

By way of rewards, these sibling playing cards generate 6X on lodges (as much as 18.5X whole once you consider Marriott Bonvoy membership and Gold Elite standing), 4X on eating and groceries on as much as $15,000 spent, and 2X on the whole lot else.

The Bountiful comes with a ho-hum welcome bonus of 85,000 factors, earned after spending $4,000 within the first three months. The Bevy does exceed its twin right here, providing a welcome bonus of 155,000 factors after you spend $5,000 within the first six months.

Up to now, you would possibly assume these playing cards are viable alternate options to the Boundless. There’s no free anniversary evening, certain, however they arrive with higher greater standing (Gold vs. Silver). To some, that alone may be value it. 

However the hassle is that the Boundless fees a $95 annual price and the Bevy/Bountiful cost $250. And to be trustworthy, we’re unsure why you’d pay $155 extra for fewer advantages.

Nonetheless, the Bevy and the Bountiful earn an honorable point out because of one, quirky standout characteristic: you’ll earn 1,000 bonus factors with every qualifying keep, no matter size. Which means should you do overnights at Marriott properties as soon as per week, you’ll earn an additional 52,000 factors per yr, doubtlessly value almost $470 — greater than sufficient to cowl the $250 annual price.

Try our full assessment of the Marriott Bonvoy Bevy assessment

Steadily requested questions

What bank card is related to Marriott? 

On the time of this writing there are six Marriott Bonvoy-branded bank cards. The Marriott Bonvoy Daring, Marriott Bonvoy Boundless and Marriott Bonvoy Bountiful are from Chase and the Marriott Bonvoy Bevy, Marriott Bonvoy Sensible and Marriott Bonvoy Enterprise are from American Specific. That mentioned, when it comes to sensible variations there are primarily 5 Marriott playing cards — the Bountiful and the Bevy are twins from completely different issuers. 

How a lot is 50,000 Bonvoy factors value? 

50,000 Marriott Bonvoy factors is value roughly $450 towards future Marriott purchases, assuming a median redemption charge of 0.9 cents per level. 

Is it onerous to get a Marriott Bonvoy card? 

Chase and American Specific don’t publish the precise required credit score scores to qualify for his or her rewards playing cards, however typically, resort rewards playing cards require a FICO Rating of 700 or greater for sturdy possibilities of approval. 

Which Marriott playing cards give lounge entry? 

The Marriott Bonvoy Sensible card consists of Precedence Cross Choose (enrollment required), which grants limitless entry to over 1,200 airport lounges worldwide for you and as much as two friends. It additionally consists of Platinum Elite standing with Marriott Bonvoy, which incorporates resort lounge entry and complimentary breakfast at taking part manufacturers.


Please be aware that card particulars are correct as of the publish date, however are topic to alter at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.

Eligibility and Profit degree varies by Card. Phrases, Circumstances, and Limitations Apply. Please go to americanexpress.com/advantages information for extra particulars. Underwritten by Amex Assurance Firm.

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