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

Apr 18, 2022

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Update: Some offers mentioned below are no longer available. View the current offers here.

Editor’s note: This post has been updated with new information. 


When Marriott acquired Starwood Preferred Guest a few years ago, it merged three separate loyalty programs — SPG, Ritz-Carlton Rewards and Marriott Rewards — into the new Marriott Bonvoy program, becoming the most prolific portfolio of hotels and resorts in the world.

This streamlined branding has helped minimize confusion, and new cardholders have benefited from new perks and welcome bonuses thanks to Marriott’s diverse credit card portfolio.

Not only are there a ton of properties to choose from, Marriott Bonvoy offers a total of four cards (one business, three personal) from two issuers (American Express and Chase).

(Photo by John Gribben for The Points Guy)

Before you apply for any of these cards, you’ll want to go over the application eligibility restrictions. The requirements vary depending on the card, and there’s not a lot of logic at play here.

If you’re interested in acquiring one of the four Bonvoy-branded cards currently available to new applicants, use this cheat sheet to see if you’ll be able to apply based on which cards you’ve had or currently have — including cards that no longer exist.

(We can’t take credit for being the first to visualize this info, though. Thanks to Greg from Frequent Miler for inspiring us with this chart.)

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In This Post

Current Marriott Bonvoy welcome offers

Before we begin, let’s review the current welcome offers on all four of Marriott’s credit cards:

The two Chase-issued cards are the Marriott Bonvoy Boundless Credit Card and the Marriott Bonvoy Bold Credit Card.

(Photo by John Gribben for The Points Guy)

The Boundless carries a $95 annual fee and comes with three free nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first three months from account opening.

The Bold has no annual fee and comes with a welcome offer of 60,000 bonus points after spending $2,000 on purchases in your first three months from account opening.

(Photo by The Points Guy)

The two Amex-issued cards are the Marriott Bonvoy Brilliant™ American Express® Card and the Marriott Bonvoy Business™ American Express® Card. Although the Brilliant comes with a $450 annual fee (see rates and fees), you’ll earn 75,000 Marriott Bonvoy bonus points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.

Meanwhile, the Marriott Bonvoy Business comes with a $125 annual fee (see rates and fees) and a limited-time offer to earn 100,000 bonus points after you use your new card to make $5,000 in purchases within the first three months of account opening — this offer ends May 18, 2022.

Related: The best Marriott credit cards of 2022

Marriott Bonvoy card eligibility chart

(Graphic by The Points Guy)

If you’re wondering where the SPG Amex cards are on the above chart, welcome to the Bonvoy era. The three Amex cards near the bottom of the “Cards You’ve Had” column are the SPG cards with their updated branding. As a refresher, here’s how the SPG Amex cards converted to Bonvoy Amex names:

(Graphic by The Points Guy)

Keep in mind that Amex and Chase offer card bonus qualification tools on their websites, and these should let you know whether or not you can successfully apply for a card and earn the welcome bonus before the system runs your credit and you officially apply for the card.

But a sound travel rewards card strategy includes some advance planning, so if you know you’re interested in one of these cards, you might as well consult this handy chart whipped up by the incredible graphics team here at TPG.

Related: Does it makes sense to hold multiple Marriott Bonvoy cards?

Chase 5/24 rule

Another restriction to be mindful of is Chase’s infamous 5/24 rule. No matter how great your credit score is, you likely won’t qualify for any Chase-issued card — in this case, the Boundless and the Bold — if you’ve opened five or more credit cards in the past 24 months.

If you’re currently over your 5/24 slots, you could still qualify for the Brilliant or the Business cards — so long as you meet the other eligibility restrictions noted above.

Related: The best ways to use your Chase 5/24 slots

Bottom line

Marriott offers a number of great cards with strong welcome bonuses and incredibly valuable free night certificates. Unfortunately, the application rules are rather complicated as you must balance issuer-specific rules with additional restrictions around the Marriott card family.


Official application link: Marriott Bonvoy Bold.
Official application link: Marriott Bonvoy Boundless.
Official application link: Marriott Bonvoy Brilliant.
Official application link: Marriott Bonvoy Business.


Additional reporting by Stella Shon.

For rates and fees of the Marriott Bonvoy Brilliant, click here.
For rates and fees of the Marriott Bonvoy Business, click here.

Featured photo by Kyle Olsen/The Points Guy.

Marriott Bonvoy Business™ American Express® Card

Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy program.

Apply Now
More Things to Know
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees
Regular APR
17.24% - 26.24% Variable
Annual Fee
$125
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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