10 Best Marriott Credit Cards of October 2026

Frequently asked questions

• Which Marriott credit card is best?

  The best Marriott card depends very much on your personal situation. All have their own perks, but your perfect card will be the one that offers a collection of benefits and earning rates that match your travel needs. Compare each card prior to applying, and remember to take into account your willingness to pay an annual fee, how often you stay in Marriott properties and what your individual spending habits are before you submit an application.

  Ultimately, there isn’t a universal best option for everyone. Instead, you should aim to pick the Marriott credit card that’s best for you.

• Is a Marriott credit card worth it?

  If you stay at a Marriott property, even occasionally, it’s likely worth it to have a Marriott credit card. The annual free night certificates alone can make the math work on both the low-tier and high-end Marriott cards, as you can easily use free nights to cover the cards’ annual fees. Once you factor in all the other benefits the cards offer, you’ll find that you can often get additional value beyond the amount spent annually to have the card.

• How do you apply for a Marriott Bonvoy credit card?

  To apply for any Marriott card on this list, you can click on the card’s name, photo or “Apply Now” link to the right of the card. Then, simply follow the on-screen prompts to complete (and submit) your application. Just be sure you’re eligible for a welcome bonus on the card you’re applying for, which isn’t a simple proposition for Marriott credit cards.

  You can read more about Marriott Bonvoy credit card eligibility requirements in this guide. You’ll also want to check out our overall guide to credit card application restrictions.

• Can you have two Marriott credit cards?

  Marriott does not publish a limit on the number of cards you can have, though it’s worth noting that Marriott uses two issuers for its cobranded cards: American Express and Chase. Amex does not typically allow individuals to have more than five credit cards, while Chase usually caps the total amount of credit it’ll extend to you across all cards. Additionally, Chase has its infamous 5/24 rule, which means it won’t approve users who have opened five or more new personal credit cards within the prior 24 months.

  If you can avoid running afoul of both of these general rules, you certainly can have two (or even more) Marriott credit cards — especially if you want multiple free night certificates.

• Can you use a Marriott Bonvoy credit card anywhere?

  Marriott Bonvoy credit cards have either a Visa logo or an American Express logo. Thus, they can be used at any merchant that accepts these networks.

• Do Marriott Bonvoy credit cards cover rental car insurance?

  Many Marriott credit cards do include rental car insurance. However, this may be secondary coverage, which means you’d need to submit a claim with your personal car insurance policy in the event of theft or damage to your vehicle.

  It’s critical to read the details of any included rental car insurance to ensure that you are adequately covered by the perk.

• Do Marriott credit cards have foreign transaction fees?

  All Marriott credit cards waive foreign transaction fees when swiping your card outside the U.S.

• How do you earn free nights with a Marriott credit card?

  There are several Marriott credit cards that come with an annual free night award, which is received upon card opening and at each card renewal month. Additionally, by using your card at Marriott properties and on everyday purchases, you’ll earn Marriott Bonvoy points that can then be redeemed for free nights across the program’s global footprint.