2021 Battle Of The Marriott Cards: Which Marriott Cards Should You Have? Plus: Comparison Chart Of 6 Marriott Cards

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Update: There are limited time offers available for all of the currently available cards below! The AMEX limited time offers end on 5/12 and the Chase limited time offers end on 6/16!

There are 6 Marriott cards that you can get today. These cards aren’t as lucrative as they were under Starwood, but they do come with some unique perks.

This post will examine which cards are best for you.

Chase cards (You can switch between any of the Chase Marriott cards below):

AMEX cards (You can switch between the Marriott Consumer AMEX cards below):

Marriott Bonvoy Points:

Marriott Bonvoy points are among the more flexible hotel point currencies as they have a good airline transfer ratio.

You can transfer increments of 60K Marriott points into 25K airline miles or 27.5K miles with United. Additionally, airlines often have their own bonuses for hotel point transfers.

Marriott has dozens of valuable airline transfer partners, such as Aegean, Alaska, American, JAL, Qantas, and dozens more!

Miles from these airlines can be very valuable and hard to get from other sources. For example JAL miles allow you to book awards on EmiratesAA, and BA with discounted or no fuel surcharges as well as mileage bargains. Alaska miles opens up bargains on airlines like Cathay Pacific and Qantas with no fuel surcharges and they allow 2 free stopovers on awards.

You can also use Marriott points at thousands of hotels worldwide like the S. Regis Maldives:


Or the S. Regis Bal Harbour:


Or the Ritz Carlton Herzliya:


You can use credit card anniversary nights to stay in an overwater villa at the Le Meridien Maldives:


You can view Marriott’s award chart in this post.

Welcome bonus:

Winner: Marriott Bonvoy Brilliant Consumer AMEX

Annual fee:

Winner: Chase Marriott Bold

Annual fee for additional cardholders:

Winner: Tie

Points per dollar on airfare:

Winner: JPMorgan Ritz Carlton and Marriott Bonvoy Brilliant

Points per dollar on dining:

Winner: JPMorgan Ritz Carlton

Points per dollar on gas stations, wireless service, and shipping:

Winner: Marriott Bonvoy Business

Points per dollar on Marriott Hotels:

Winner: 5 way tie.

Points per dollar on everyday spending:

Winner: 5 way tie.

Foreign Transaction Fees:

Winner: Tie

Free elite status level:

Winner: JPMorgan Ritz Carlton and Marriott Bonvoy Brilliant

Elite status with annual spending:

Winner: JPMorgan Ritz Carlton and Marriott Bonvoy Brilliant

Anniversary free night:

Winner: JPMorgan Ritz Carlton and Marriott Bonvoy Brilliant

Additional Anniversary free night:

Winner: Marriott Bonvoy Business AMEX

Additional Ritz Carlton Club Level Upgrade Certs:

Winner: JPMorgan Ritz Carlton

Annual Marriott/Starwood hotel credit:

Winner: Marriott Bonvoy Brilliant

Annual airline fee credit:

Winner: JPMorgan Ritz Carlton

Global Entry/TSA PreCheck credit:

Winner: JPMorgan Ritz Carlton and Marriott Bonvoy Brilliant

Complimentary premium in-room internet:

Winner: 5 way tie.

Priority Pass lounge membership:

Winner: JPMorgan Ritz Carlton

Priority Pass lounge membership for free additional users:

Winner: JPMorgan Ritz Carlton

Return Protection:

Winner: JPMorgan Ritz Carlton and Marriott Bonvoy Brilliant

Elite night credits:

Winner: Tie

Roadside Assistance:

Winner: JPMorgan Ritz Carlton

US Car Rental CDW Coverage:

Winner: JPMorgan Ritz Carlton

Baggage Insurance, extended warranty, and purchase protection:

Winner: Tie.

Trip Delay Reimbursement:

Winner: 4 way tie

Trip Cancellation/Trip Interruption Insurance:

Winner: 4 way tie

Emergency Medical and Dental when traveling:

Winner: JPMorgan Ritz Carlton

Comparison chart of the card benefits:

 Chase Marriott Bold Consumer CardChase Marriott Boundless Consumer CardJPMorgan Ritz Carlton CardMarriott Bonvoy Consumer AMEXMarriott Bonvoy Brilliant Consumer AMEXMarriott Bonvoy Business AMEX
Annual Fee$0$95$450$95$450$125
Points earned on everyday purchases1 (2 on travel purchases)2 22 22
Points earned on airfare2232 32
Points earned on Marriott hotels366666
Points earned on restaurants12 3 23, US only4, US only
Points earned on gas stations, wireless service, and shipping122224, US only
Free elite status levelSilverSilverGoldSilverGoldSilver
Elite night credits15 consumer nights15 consumer nights15 consumer nights15 consumer nights15 consumer nights15 business nights
Elite status with annual spending NoneGold for $35K Platinum for $75K
Gold for $35K Platinum for $75K
Gold for $35K
Anniversary nightNoneAutomatic free night up to 35K Marriott pointsAutomatic free night up to 50K Marriott pointsAutomatic free night up to 35K Marriott pointsAutomatic free night up to 50K Marriott pointsAutomatic free night up to 35K Marriott points
Additional Anniversary nightNoneNoneNoneNoneNone35K night if you spend $60K in a calendar year
Annual Marriott hotel credit.NoneNoneNoneNone$300None
Annual Ritz-Carlton Club Level Upgrade Certs On Paid StaysNoneNone3NoneNoneNone
Annual airline fee creditNoneNone$300NoneNoneNone
Global Entry/TSA PreCheck creditNoneNoneFull credit every 4 years.NoneFull credit every 4 years.None
Foreign transaction feesNoneNoneNoneNoneNoneNone
Complimentary premium in-room internetNoYesYesYesYesYes
Priority Pass lounge membership NoNoYes, with unlimited free guests and free restaurant spendNoYes, with 2 free guestsNo
Priority Pass lounge membership for free additional usersNoNoYes, with unlimited free guests and free restaurant spendNoNoNo
Return ProtectionNoNoYesNoYesNo
Roadside AssistanceNoNo4 free uses per yearNoNoNo
US Car Rental CDW CoverageSecondarySecondaryPrimarySecondarySecondarySecondary
Emergency Medical and Dental when travelingNoNoYesNoNoNo
Trip Delay ReimbursementYesYesYesNoYesNo
Trip Cancellation and Interruption InsuranceYesYesYesNoYesNo
Baggage Insurance, extended warranty, and purchase protectionYesYesYesYesYesYes

Win count:

Of course this battle isn’t entirely fair, as the annual fees range from $0-$450, but at the premium $450 level, the JPMorgan Ritz Carlton wins easily. In the lower end range, the Chase Marriott Boundless card is the winner. If you want the JPMorgan then you’ll want to take advantage of the limited time 100K offer on the Chase Marriott Boundless card and then upgrade it to the JPMorgan Ritz Carlton down the line. Read more about this limited time offer here.

It’s worth noting that AMEX has offers for existing Marriott cardholders to save on restaurant delivery, wireless charges, and general spending. However those won’t apply to new cardholders.

Which Marriott cards do you have and which benefits do you value the most?

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40 Comments On "2021 Battle Of The Marriott Cards: Which Marriott Cards Should You Have? Plus: Comparison Chart Of 6 Marriott Cards"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.


If I have the Bonvoy Consumer Amex, what is the best move? Do I cancel the card, wait 30 days, and then sign up for Chase Boundless card? Will I lose any elite night credits in the interim?

Elchonon Weissman

How do you get the ritz Carlton card what do you need to do to get Eligible


Chase Marriott Boundless Consumer Card: 2,Mine and my wife’s
which benefits do you value the most? Signup bonuses (and upgrade bonus from the old marriott card 10k+40j+40k)


You didnt write anything about how you are eligible for the sign up bonuses… Meaning if you have any of their cards etc.

G Manush

How can I find out if I am eligible for the bonvoy chase credit cards? I got a bonus on the business and one of the personal card but not sure how long ago it was


Which “battle” post do you want to see next?
AmEx MR cards


If starting clean, how many of them can I get at the same time? Interested in getting 30 elite night credits from 2 cards.


The only way to get 30 credits is to have a business card and a consumer card and I might only be the AMEX biz that stacks (not sure if Chase biz does, but I know AMEX for sure does as I have that and the Brilliant and got 30 credits this year from them).


Thanks, would I be able to get a Chase consumer card and a Amex business card at the same time and still get the sign on points for both? Couldn’t find this info anywhere.


Technically, if you have received the bonus on one of those 2 in the past 24 months, you aren’t eligible for a bonus on the other one. There might be DPs of people who applied for both on the same day to try to skirt that- I think the results were mixed but not entirely sure.


Now that I have the Amex Bus Platinum card, is there a benefit of also having the ritz card.




Great analysis of the Marriott Cards. Don’t overlook the benefits of the current cards you hold…some will overlap and possibly be better. I have the conversion card from SPG.


Hi Dan, I currently have a consumer marriott card, If i get a business one too, will I then get 30 elite night credits?


You can and will get 30 elite night credits, but Marriott’s rule is you can’t earn a welcome bonus on both Chase AND Amex-issued Marriott cards within a 24-month period. So that would apply if you have either the Chase Bonvoy Boundless or Chase Bonvoy Bold.

Plus, if you do apply without being eligible for the welcome bonus, you then can’t receive one if you try to cancel the Bonvoy Business Card and open a new one in the future (once per lifetime rule on all Amex cards), unless Amex happens to send you a targeted offer without lifetime language.

However, if your Marriott consumer card is from Amex- either the Bonvoy Brilliant OR the legacy Bonvoy/Starwood Amex (which the Chase Boundless replaced after the Marriott/SPG merger)- you CAN earn a welcome bonus on the Bonvoy Business Card if you haven’t had either it (or the legacy Starwood Amex Business Card) previously.

This is because Marriott does allow you to earn welcome bonuses on both the Amex Brilliant and Business Card within a 24-month period if you don’t have the equivalent legacy Chase card that was issued before the merger (Chase Ritz Carlton or any Chase Marriott Business Card, respectively).


Would I need to close both my Marriott bonvoy American Express and my Marriott bonvoy business card to get the chase boundless card? (Or just the consumer card?).


Looks like you get the most bang for your buck with the brilliant card. Whats ithe priority lounges? Is that in airports? hotels?


Thanks was waiting for this with especially with limited time offers


A lot of people are thinking of dumping their Marriott cards due to difficulty using the annual certificates. Marriott properties are playing games with the required points for a room with many properties wanting 36,000 points. Buyer beware.


I’ve had the Marriott Bonvoy Consumer which evolved from SPG, and before that Sheraton since 1998. Since I’ve been a customer for so long, and since I really use the card, American Express has never told me no, when I’ve requested something until now. I asked to convert to the Brilliant card and to get the signup bonus and they turned me down. Has anyone had success here?

Menachem Mendel

Question, My wife and I each have the Marriot Bonvoy Business Amex. we had them for a couple years. is there any benefit to keeping both still? I dont really use them that much. I am thinking of closing one. I would really appreciate your thoughts, thank you so much!!


If I have the the boundless card is it worth it to sign my wife up to get the bonus? Is there a way to downgrade the card after the bonus so I don’t have to pay the AF? Is there a way to combine the points with my Bonvoy points after receiving the bonus points?


Can the Ritz Carlton CC Airline credit still be used for grocery this year?