When It Makes Sense to Transfer Starpoints to Marriott
Update: Some offers mentioned below are no longer available. View the current offers here.
You might also be interested in reading When It Makes Sense to Transfer Marriott Points to Starwood.
The big news of the month in the points and miles universe has been the finalization of Marriott and Starwood's merger. This became official on Friday, and while it will be a long time until the two are fully integrated, the newly combined hotel chain wasted no time in opening up reciprocal elite benefits and point transfers. You now have access to a wealth of new redemption possibilities by being able to convert points from one program to another. Today I want to highlight some cases where it may make sense to convert your Starpoints to Marriott Rewards points.
Before getting into the specifics, let's quickly review the basics. The first step you'll need to take is to link your SPG and Marriott Rewards accounts. This can happen from either Marriott's site or SPG's site, and it only takes a few minutes and has to be completed before you can transfer points. This should also result in the transfer of any elite status you have; SPG Platinum gets you Marriott Platinum (and vice versa), while SPG Gold gets you Marriott Gold (and vice versa).
You'll then need to initiate the transfer. After logging in to your SPG account, click on your name at the top and select "Redeem Starpoints." The very first option will be to transfer points to Marriott Rewards:

Follow the simple on-screen instructions to transfer Starpoints to Marriott, and keep in mind that you must make these transfers in increments of 1,000 points. The standard transfer ratio is 1 Starpoint = 3 Marriott Rewards points.
At first glance, this may seem like a poor value proposition given TPG's most recent valuations. You're converting 1 Starpoint (worth 2.5 cents) into 3 Marriott Rewards points (worth 0.7 cents apiece, so 2.1 cents total). At this rate, you'd be giving up nearly half a cent of value from every point you transfer. At 50,000 Starpoints, that's a loss of $200! However, this is an oversimplified calculation, as there are some occasions where it makes sense and can get you some tremendous value.
Let's take a look and see where this is the case.
Marriott's Hotel & Air Packages
One great redemption option in the Marriott Rewards programs is booking a Hotel + Air package. In its simplest form, you use your Marriott points to book a seven-night stay plus receive a stash of airline miles. While SPG has a similar option (the Nights & Flights package), you're restricted to just Category 3 and 4 properties, while Marriott's option covers all nine of the chain's categories plus all five tiers of Ritz-Carlton. As a result, this is significantly more flexible.
There are two specific examples of these packages where you'd be able to extend the value of your Starpoints by transferring them to Marriott:
1. United
When you redeem Marriott points for a Hotel + Air package with United, you'll receive more miles than any other airline partner. This is thanks to the RewardsPlus partnership that launched back in 2013. While the exact number of points you'd need for these packages varies depending on the category/tier of the hotel and the number of miles you want, you're essentially getting a 10% bonus over other airlines. Here's the full chart:

It's true that SPG also allows you to transfer points to United, but unlike most of the program's 36 airline partners (Avianca was the most recent addition earlier this month), you'll only get 1 United mile for every 2 Starpoints you transfer, a pretty dismal rate. As a result, if you have a stash of Starpoints and are looking to boost your United account and book a seven-night hotel stay, this could be a great option at both the low and high ends of the above chart.
Here are a few examples:
- 7 nights in a Category 1-5 property + 55,000 United miles: This would set you back 200,000 Marriott Rewards points, so you'd need to transfer 67,000 Starpoints to have enough to cover the redemption. If you transferred those exact same 67,000 Starpoints directly to United, you'd only get 41,000 miles. By booking the package with Marriott, you're scoring an extra 14,000 miles plus a seven-night hotel stay.
- 7 nights in a Category 8 property + 110,000 United miles: This would set you back 340,000 Marriott Rewards points, so you'd need to transfer 114,000 Starpoints. If you transferred 114,000 Starpoints to United, you'd only get 69,500 miles. By booking the package, you're scoring an extra 40,500 miles plus a seven-night hotel stay at a property like the Press Hotel in Portland, Maine, or the JW Marriott Venice.
- 7 nights in a Tier 4-5 property + 132,000 United miles: This would set you back 540,000 Marriott Rewards points, so you'd need to transfer 180,000 Starpoints. If you transferred 180,000 Starpoints to United, you'd only get 112,500 miles. By booking the package, you're getting an extra 19,500 miles plus a seven-night hotel stay at a property like the Ritz-Carlton Los Angeles or the Ritz-Carlton Laguna Niguel.
2. Southwest
Another great option for these packages is Southwest. Part of this is due to the fact that Southwest doesn't partner with SPG at all, so there's no way to convert your Starpoints into Rapid Rewards points. However, Marriott does partner with Southwest for Hotel + Air packages, and it's a great way to score a Southwest Companion Pass for just 90,000 Starpoints.
Here's the chart for these packages:

As you can see, 270,000 Marriott Rewards points would get you a seven-night stay in a Category 1-5 property plus 120,000 Rapid Rewards points (10,000 more than you'd need for the Companion Pass). At the transfer rate of 1 Starpoint = 3 Marriott Rewards points, you'd need to convert just 90,000 Starpoints to book this package.
There's no question that 90,000 Starpoints are valuable, worth $2,250 based on TPG's valuations. However, the Companion Pass essentially offers "Buy 1, Get 1 Free" on all Southwest flights on both paid and award tickets, and if you time it right (January 2017), you could wind up with the Companion Pass for almost two years. TPG did a very similar redemption himself to earn a Companion Pass earlier this year.
That being said, there's a big disclaimer to point out. As of now, hotel points transferred to Southwest (including points earned through Marriott's Hotel + Air packages) do count toward Companion Pass qualification. However, there's nothing to stop Southwest from closing this loophole changing this policy at any point, so just be aware before you commit to booking this package.
Booking Top-Tier Properties

Another time when it makes sense to transfer Starpoints to Marriott is when you're looking at top-tier properties. At the high end of Marriott's award chart are Category 9 properties like The Cosmopolitan in Las Vegas, requiring 45,000 points for a free night (40,000 points if the hotel has PointSavers Rewards available). At the current ratio, you'd only need to transfer 15,000 Starpoints to Marriott Rewards for a free night at these properties.
On the other hand, Starwood's top-tier hotels require either 30,000 or 35,000 points for a free night, depending on the date of your stay. At that rate, you can book two free nights at top-tier Marriotts for the same number of Starpoints you'd need for a single free night at top-tier SPG properties.
This also works for Tier 5 Ritz-Carlton hotels, which normally require 70,000 Marriott points for a free night (60,000 points if the property has PointSavers Rewards available). To have enough points for a free night in these resorts, you'd need to transfer 24,000 Starpoints to Marriott Rewards, still well short of the number of points required for a free night in top-tier SPG properties.
Utilizing Elite Benefits as a Gold Member

Transferring Starpoints to Marriott Rewards can also make a lot of sense if you are a current SPG Gold member. This includes cardholders of the Platinum Card from American Express, who can enjoy this status as a benefit on the card (see this post for details on how to activate it). Under the newly announced reciprocal elite status arrangement with SPG and Marriott, this status grants you automatic Marriott Gold status, one of the most rewarding mid-tier hotel statuses out there (and one that normally requires 50 nights a year). This unlocks additional perks like breakfast/lounge access and room upgrades.
For SPG Gold members, you'll only get automatic lounge access at Sheraton hotels when you have the Starwood Preferred Guest Business Credit Card from American Express, and you're only able to upgrade to "enhanced" rooms at check-in, which tend to be limited to higher floors or rooms with better views. If you're currently a Gold member with SPG and would like to experience additional elite benefits, consider transferring your Starpoints to Marriott Rewards for an upcoming award stay.
Booking in Cities Without Many Starwood Properties

A final reason why you might want to consider transferring Starpoints to Marriott Rewards is if you're planning a trip to an area with few (or no) SPG properties. Even though the combined chain has more than 5,700 hotels around the world, the individual programs are still operating independently and thus must be booked using "legacy" points. At the time of writing, Starwood Preferred Guest has roughly 1,400 hotels globally, with another 500 or so planned openings in the next few years. Marriott, on the other hand, has more than 4,000 properties around the world, giving you many more options for your free nights.
Let's say that you wanted to plan a trip to the beaches of Southwest Florida, for example. SPG only has four properties in the area: one Aloft, one Westin and two Four Points. Meanwhile, Marriott has dozens of properties in the same area, including two Ritz-Carlton resorts and several properties right on the water. If SPG has limited coverage in a destination you're wanting to visit, transferring to Marriott and booking through Marriott Rewards could be a great option.
Bottom Line
Now that the merger between Marriott and SPG is finalized, you can freely exchange points between the two programs. This opens up an array of options that weren't previously available. However, you should carefully analyze whether it makes sense to convert Starpoints to Marriott Rewards points before locking in a redemption. Hopefully this post has given you some suggestions for doing just that!
Have you converted Starpoints to Marriott Rewards points yet?
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Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.

