Can I Stack Elite Night Credits from Marriott Premier Cards?

Mar 13, 2016

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Update: Chase wrote in to clarify its terms and conditions, letting us know that it is indeed possible to stack elite credits. Here’s what a Chase rep had to say: “A cardmember can combine the elite credit benefits from a Marriott Rewards Premier Business Card and Marriott Rewards Premier card to be eligible for the 15 + 15 elite credits.” This is great news! We’ve updated the text below to reflect this clarification.

TPG reader Scott sent me a message on Facebook to ask about earning Marriott elite status:

“Can I earn 15 elite nights from both the Marriott Premier personal and business cards to get 30 nights total each year?”

Both the personal Marriott Rewards Premier Credit Card and the business version offer cardholders 15 elite night credits annually — enough to qualify for Silver Elite status. While the benefits at that level are pretty basic, Gold Elite is a pretty valuable mid-tier status. You normally need 50 nights annually to qualify for Gold, so earning 15 elite credits each from the two co-branded Marriott cards would get you 60% of the way there, offering an easy way to jump-start your Marriott Rewards status.

Here’s the language Chase uses in the offer details: “Only one Marriott Rewards Credit Card account per Rewards member … is eligible for the 15 Nights Elite credit award.” Regardless, you can still earn 15 night credits from each the personal and business cards, for a total of 30 credits each year. These cards also earn one elite night credit for every $3,000 spent on purchases, and those credits also stack across multiple cards. If you spent $15,000 in a calendar year on both the personal and business cards, you would get 5 elite night credits from each one (for a total of 40, including the 15 credits from each of the cards).

You can’t stack the 15 elite nights from the personal and business cards, but you can stack the annual free night certificates.

Another good reason to have both cards is that each one offers an annual free night certificate at a Category 1-5 property. You can redeem these certificates together during a single stay, and even though Marriott recently announced upcoming category changes for a number of hotels, those free nights can easily make up for each card’s annual fee. Chase also recently increased the sign-up bonus to 80,000 points after you spend $3,000 in the first three months, plus 7,500 points when you add an authorized user and make a purchase in the first three months, so there’s plenty of incentive to get these cards.

For more info on Marriott Rewards co-branded cards and elite status, check out these posts:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

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