Free nights and easy status: Here’s why I have 4 Marriott Bonvoy credit cards

May 3, 2021

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

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

While it’s been several years since the Marriott-Starwood Preferred Guest merger was completed, many people still have the same hotel credit cards they held pre-merger, including the legacy Chase-issued Marriott cards and American Express-issued SPG cards (though all have since been rebranded under the Marriott Bonvoy name).

Even after the merger, both Chase and Amex continued to issue Marriott cobranded cards. While some, like the Marriott Bonvoy Amex and the Chase Ritz-Carlton Card, have since closed to new applicants, the following cards are still accepting new applications:

While there are slight differences between these cards, there are also a lot of similarities.

For example, with the exception of the no-annual-fee Bonvoy Bold card, all the Bonvoy credit cards earn the same 6x points at participating Marriott hotels, whether you have the Marriott Bonvoy Boundless or the premium Bonvoy Brilliant. Each card also offers 15 elite night credits, and in a policy change last year, Marriott now allows you to earn up to 30 elite night credits from credit cards a year: one set of 15 credits from any personal card and one set of 15 credits from any business card — which can get you to Marriott Platinum status in a hurry.

Given the heavy overlap and redundancy in benefits, many people might think that they only need one Bonvoy credit card in their wallet — but I disagree with that approach. Here’s why I happily pay the annual fee on four different Bonvoy credit cards each year.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter.

In This Post

Elevated sign-up bonuses/welcome offers

Before we dive in, I want to highlight the current welcome bonuses on the Marriott Bonvoy cobranded credit cards.

  • Marriott Bonvoy Brilliant American Express Card: 125,000 bonus points after you use your new card to make $5,000 in purchases within the first three months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. restaurants within the first six months of card membership. Offer expires May 12, 2021. Terms apply. $450 annual fee (see rates and fees).
  • Marriott Bonvoy Business American Express Card: 100,000 Marriott Bonvoy bonus points after you use your new card to make $5,000 in eligible purchases within the first three months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card within the first three months of card membership. Offer ends May 12, 2021. Terms apply. $125 annual fee (see rates and fees).
  • Marriott Bonvoy Boundless Card: Earn 100,000 bonus points after you spend $3,000 on purchases in the first three months from account opening.
  • Marriott Bonvoy Bold Credit CardEarn 50,000 points after you spend $1,000 on purchases in the first three months from account opening.

Elite status shortcut

As a Marriott Bonvoy Titanium Elite, I plan my travels beginning and ending on

I currently have four Bonvoy credit cards — three from Amex and one from Chase — and I’d happily get more if I was allowed. Most of these cards sit in my desk and don’t see much sunlight (although I do put a good amount of spending on my Bonvoy Business Amex), but there are two main reasons that I’m happy to pay the annual fees year after year.

JW Marriott Orlando Bonnet Creek. (Photo by Summer Hull/The Points Guy)

Related: Which Marriott Bonvoy credit card is right for you?

The first reason has to do with the policy change I mentioned above, where you can now earn up to 30 elite night credits from credit cards each year: 15 from any personal Marriott card and 15 from any business Marriott card. Having 30 elite night credits automatically qualifies you for Marriott Gold Elite status (in case you didn’t already have it from holding a card such as the Marriott Bonvoy Brilliant American Express Card or The Platinum Card® from American Express).

But better yet, if you’re getting 30 elite night credits each year, that means you only need to stay 20 nights in a hotel (or between one and two nights each month) to reach Marriott Platinum status. It’s actually even fewer nights in 2021 (more on that below).

This is where the benefits really start to get good, including a 50% points bonus, suite upgrades at most properties, free breakfast and more. I’ve been very pleased with the way I’ve been treated as a Marriott elite member, and this makes Platinum status and its wonderful world of benefits very accessible to the average traveler.

My elite status helped me score this stunning upgrade at the W Dubai — The Palm just a few days after the hotel opened. (Photo by Ethan Steinberg/The Points Guy)

2021 shortcut to elite status

Earlier this year, Marriott announced it was making it easier to earn elite status in 2021.

It deposited elite night credits into members’ accounts amounting to 50% of the nights required for the status they earned in 2019. For Marriott Bonvoy credit cardholders, these additional nights are on top of the ones awarded from eligible Marriott Bonvoy credit cards.

Ambassador Elite 100 qualifying nights and $20,000 stay spend 50 elite night credits
Titanium Elite 75 qualifying nights 38 elite night credits
Platinum Elite 50 qualifying nights 25 elite night credits
Gold Elite 25 qualifying nights 13 elite night credits
Silver Elite 10 qualifying nights 5 elite night credits
Member Not applicable Not applicable

Free night certificates

Even before Marriott doubled how many elite night credits you could earn from credit cards last year, I was addicted to my Bonvoy cards for the annual free night certificates they offer.

Each Bonvoy credit card offers an anniversary free night worth up to 35,000 points, with the exception of the Bonvoy Brilliant, which is worth up to 50,000 points (we’ll come back to that in a minute) and the Marriott Bonvoy Bold Credit Card, which doesn’t offer a free night.

35,000-point free night certificate

TPG values Marriott points at 0.8 cents each, meaning that a 35,000-point free night is roughly worth $280. Compare that to the annual fees on these entry-level cards, which range from $95 to $125. If you ignore every other perk of these cards and only focus on the annual free night, you’re getting twice as much value as you’re spending on your annual fees.

Those 35,000 points roughly map over to Category 5 on the Marriott award chart (excluding Category 5 peak rates). I think Category 5 is the best sweet spot in the entire award chart, and I have no problem getting $300 or more out of these 35,000-point free nights at some of my favorite properties in the Marriott portfolio, such as the Mira Moon Hong Kong. But even if you are just traveling domestically right now and are looking for a family-friendly property, it’s still really easy to get a great return for these certificates.

Photo courtesy of Marriott
(Screenshot courtesy of Marriott)

At the Sheraton Grand Sydney Hyde Park

Photo courtesy of Marriott
(Screenshot courtesy of Marriott)

or W Chicago — Lakeshore.

Photo courtesy of Marriott
(Screenshot courtesy of Marriott)

When you add in the suite upgrades, bonus points and free breakfast I get as a Titanium Elite, my actual value ends up being a few hundred dollars above whatever the cash rate would’ve been. If you’re telling me I can pay around $100 a year for a hotel stay that would cost over $500 if paid with cash, that’s just a no-brainer.

This is also the reason that I concentrate a lot of my spending on my Marriott Bonvoy Business American Express Card, often choosing to use it for everyday spending even if it’s not the card in my wallet with the highest earning rate.

I know that if I spend $60,000 a year on the card I’ll get an extra 35,000-point free night certificate, and while that’s worth $280 based on TPG’s valuations, I’m personally likely to get $400-$500 in value from it.

Related: Here’s why you need both a personal and business Marriott Bonvoy credit card

50,000-point free night certificate

The same logic applies to the Bonvoy Brilliant, although there is one extra step involved.

That card carries a $450 annual fee and offers an up to 50,000-point anniversary free night. You also get up to $300 in Marriott property credits each card membership year, valid on room rates and incidental charges such as food and drinks. This is as good as cash to me, and drops the out-of-pocket cost on the card to $150. In exchange for that, you get a free night, which TPG values at $400, but can potentially be worth a lot more.

Those 50,000 points unlock many more luxury properties, including Ritz-Carlton and St. Regis hotels. One surefire way to max out this free night would be to book the Mykonos Theoxenia, which sells for over $750 during peak season. If you have Marriott elite status, the benefits you get at a high-end property will also be worth more.

(Screenshot courtesy of Marriott)

I have used my 50,000-point free night certificate to stay at the St. Regis Langkawi in Malaysia, booking a room that would’ve otherwise cost $650. We were then upgraded to a massive suite with a private pool and cabana and enjoyed one of the best hotel breakfasts I’ve ever had — all without paying a dime for the stay.

Bottom line

To me, the Marriott Bonvoy credit cards are some of the easiest ones to keep open year after year.

I’m able to make the case to do so by ignoring 99% of the card’s functionality, and just focusing on the annual fee, the elite night credits and the free night certificate you receive. When you start to add back in the other perks like bonus categories, Marriott elite status and more, the scales tip even further in favor of holding multiple Bonvoy cards.

Chris Dong and Benji Stawski contributed to this post.

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

Featured photo of the W South Beach by Nick Ellis/The Points Guy. 

The All-New United Quest℠ Card

WELCOME OFFER: Up to 100,000 bonus miles


CARD HIGHLIGHTS: 3X miles on United® purchases

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 80K bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, an additional 20K bonus miles after you spend $10,000 in the first 6 months
  • $250 Annual Fee
  • Earn 3X miles on United® purchases, 2X miles at restaurants, on select streaming services & all other travel, 1X on all other purchases
  • Earn 3X miles on United Airlines purchases
  • Earn 2X miles at restaurants and on select streaming services
  • Earn 2X miles on all other travel
  • Earn 1X mile on all other purchases
  • Each year, receive a $125 credit on United® purchases and two 5k-mile anniversary award flight credits. Terms apply.
Regular APR
16.49% to 23.49% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent, Good

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.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.