Why you need a personal and business Marriott Bonvoy credit card

Top-of-the-line perks of the Marriott Bonvoy family of credit cards is the complimentary elite night time credit you obtain every year — starting from 15 to 25 nights, relying on which card you will have. And when you maintain each a private and a enterprise bank card, you earn as much as 40 elite night time credit yearly out of your playing cards alone.

That is fairly the pinnacle begin for elite standing every year. Let’s focus on the worth you get once you maintain each a private and small-business Marriott card.

Since you may stack elite night time credit, holding a private and enterprise Marriott card is worth it when you’re eligible. Some Marriott bank cards include 15 elite nights yearly — together with the Marriott Bonvoy Boundless® Credit Card (see rates and fees). Nonetheless, the Marriott Bonvoy Brilliant® American Express® Card presents 25 elite night time credit per 12 months.

It’s possible you’ll surprise why that is related when a number of of the Marriott playing cards and The Platinum Card® from American Express additionally supply Gold Elite standing (enrollment is required, phrases apply) or the power to earn larger standing based mostly on spending. The massive distinction is that this computerized standing would not grant you the corresponding variety of elite nights — so you continue to want to achieve the traditional qualification thresholds if you wish to take pleasure in this system’s Alternative Advantages or hit even larger standing tiers.

Associated: The complete guide to earning Marriott elite status with credit cards

For those who continuously keep at Marriott properties, you may stack these 15 to 25 elite night time credit on high of your personal journey to upgrade to the next elite tier quicker.

Whenever you stack credit between a enterprise card and a private card that comes with 15 elite night time credit — just like the Marriott Bonvoy Boundless and the Marriott Bonvoy Business® American Express® Card — you will have 30 elite night time credit at the start of every 12 months. Reaching Platinum Elite standing requires 50 nights per 12 months, which means you are already 60% of the best way there. You would wish to remain simply 20 extra nights (or earn the nights through credit card spending on the Boundless card) to achieve the subsequent tier.

And as soon as you have reached Platinum Elite standing, the advantages might be extremely beneficial — together with issues like lounge entry and Nightly Upgrade Awards.

These with the Marriott Bonvoy Brilliant Amex obtain complimentary Platinum Elite standing every year as a perk of the cardboard. This may entitle you to advantages like room upgrades and complimentary breakfast. Nonetheless, you’ll not have the mandatory credit (50 nights) to earn the annual choice benefit related to Platinum standing. This profit means that you can select from one of many following:

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That mentioned, the 25 elite night time credit you earn on the Bonvoy Sensible might be stacked with the 15 elite nights you will get with the Bonvoy Business card, permitting you to begin every year with 40 elite night time credit. TPG senior editorial director Nick Ewen utilized this selection and had solely stayed 4 nights at Marriott properties in 2024.

That is 80% of what it is advisable to earn your first Alternative Profit choice (at 50 nights) and greater than midway to the 75 nights required for Titanium Elite status. Reaching Titanium unlocks one other Alternative Profit together with added perks like the power to be upgraded to plain suites at Ritz-Carlton properties.

There are a number of causes to have as many Marriott credit cards as you may get your fingers on. That is due to the unimaginable worth you may get from the anniversary award night time certificates. Each the Bonvoy Boundless and Bonvoy Business playing cards supply an anniversary reward night time value up to 35,000 points. Nonetheless, the premium Marriott Bonvoy Brilliant — with its $650 annual charge (see rates and fees) — presents an annual award night time worth up to 85,000 points per night time. Sure lodges have resort charges.

Primarily based on TPG’s April 2025 valuations, Marriott factors are value 0.7 cents every, which means 35,000 factors are value $245.

Nonetheless, relying on the way you journey, you would possibly be capable to get an excellent larger return on these award nights. A former TPG staffer used theirs on the Sheraton Grand Hyde Park in Sydney, the place they have been upgraded to an enormous terrace suite throughout peak journey season, and at The St. Regis Beijing for a room that will have price effectively over $300 per night time.

With Marriott’s dynamic pricing, the power to make use of these awards is much less predictable than up to now. Nonetheless, it is nonetheless attainable to redeem these awards for greater than the price of your bank card’s annual charge, which means this one profit alone can justify maintaining your Marriott bank cards 12 months after 12 months.

There are two exceptions right here. The Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful Card don’t supply free night time awards robotically every year. On each playing cards, you would wish to make $15,000 in purchases every year to obtain a free night award worth up to 50,000 points. Be aware that sure lodges have obligatory resort expenses.

The knowledge for the Marriott Bonvoy Bountiful Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Apart from annual award nights and elite night time credit, having a private and enterprise Marriott card can assist you earn extra factors throughout a number of spending classes. All 4 Marriott playing cards earn 2 factors per greenback spent on on a regular basis spending and 6 factors per greenback spent at lodges collaborating within the Marriott Bonvoy program (except the no-annual-fee Marriott Bonvoy Bold® Credit Card (see rates and fees); see particulars beneath.

Associated: Which Marriott Bonvoy credit card is right for you?

Nevertheless it’s the opposite bonus classes, most of which don’t overlap, that may show you how to maximize your earnings:

• Marriott Bonvoy Bevy American Express Card: Earn 4 factors per greenback spent on the primary $15,000 of mixed purchases at eating places worldwide and U.S. supermarkets every calendar 12 months (then 2 factors per greenback after that). The Bonvoy Bevy Amex options an annual charge of $250 (see rates and fees).
• Marriott Bonvoy Bold Credit Card: Earn 2 factors per greenback spent at grocery shops, ride-hailing providers, choose meals supply, choose streaming, web, cable and cellphone providers and 1 level per greenback spent on all different purchases.
• Marriott Bonvoy Boundless Credit Card: Earn 3 factors per greenback spent on the primary $6,000 spent in mixed purchases every year at fuel stations, grocery shops and eating (then 2 factors per greenback spent after that).
• Marriott Bonvoy Bountiful Card: Earn 4 factors per greenback spent on the primary $15,000 in mixed purchases on grocery shops and eating every year (then 2 factors per greenback spent after that).
• Marriott Bonvoy Brilliant American Express Card: Earn 3 factors per greenback spent on eating at eating places worldwide and on flights booked instantly with airways. The Bonvoy Sensible Amex encompasses a $650 annual charge (see rates and fees).
• Marriott Bonvoy Business American Express Card: Earn 4 factors per greenback spent on purchases at eating places worldwide, U.S. fuel stations, wi-fi phone providers bought instantly from U.S. service suppliers and U.S. delivery purchases. The Bonvoy Enterprise Amex options an annual charge of $125 (see rates and fees).

So, when you’re an enormous Marriott fan and need to focus your incomes technique solely on Bonvoy factors, you may have a number of playing cards and revel in incomes charges throughout a number of classes.

Associated: Are you eligible for a new Marriott Bonvoy card? This chart tells you yes or no

Apply right here: Marriott Bonvoy Bevy American Express Card
Apply right here: Marriott Bonvoy Bold Credit Card
Apply right here: Marriott Bonvoy Boundless Credit Card
Apply right here: Marriott Bonvoy Brilliant American Express Card
Apply right here: Marriott Bonvoy Business American Express Card

For charges and costs of the Marriott Bonvoy Sensible Amex, click on here.
For charges and costs of the Marriott Bonvoy Bevy Amex, click on here.
For charges and costs of the Marriott Bonvoy Enterprise Amex, click on here.