Credit cards
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If you frequently book hotel stays, having one of the best Marriott credit cards in your wallet can help you enjoy awesome perks across one of the largest hotel portfolios in the world. Marriott Bonvoy cards are issued by both Chase and American Express, and the current lineup features options to meet the needs of any traveler. Or, you can consider a flexible travel card that still includes benefits for your Marriott stays.
Need help choosing the right card to match your spending habits and overnight stays? Our expert travel team has put together this guide with all the important information you need to make an informed decision about which Marriott credit card is the best for you. View our partner offers below.
We included cards that offered generous welcome bonuses that you can use for future bookings.
The best Marriott cards start with a $0 annual fee and go up from there, offering varying perks at every price point.
We chose Marriott cards that offer various earning rates so you can choose one that helps you maximize your spending and earning.
Our best Marriott cards come with a variety of redemption options, including free nights at a Marriott property.
In addition to free nights, these cards offer perks like travel insurance and shopping protection.
Along with a large suite of cards to choose from, cobranded Marriott cards provide access to the Bonvoy loyalty program (though you can enroll with this program on your own as well).
When paired with a cobranded Marriott Bonvoy card, the Bonvoy program offers elevated rewards, including a faster way to earn points you can redeem for stays and on-property perks, room upgrades and even a free night award depending on which product you hold. This, plus other card benefits — think automatic elite status — continues to be the reason why 37% of TPG readers who hold a cobranded hotel card choose Marriott.
Choosing the best Marriott credit card will depend on a couple of factors, including how often you stay at Marriott properties, whether or not you’re willing to pay an annual fee to hold a certain card and what categories you most frequently spend in to name a few.
Here are some of the main points to consider when choosing a Marriott credit card:
Our picks offer different welcome bonuses that let you earn different types of points, including Marriott Bonvoy points. Choose a card that you can easily reach the minimum spend threshold in order to obtain the welcome bonus.
From cards that feature hefty annual fees — and offer premium perks — to cards with no annual fees, there’s a good choice for every type of consumer, whether you stay at Marriott properties several times a year or just a few sporadic nights here and there.
Thanks to a variety of cards to choose from, narrowing down your options should be easy when you consider your top spending categories. Whether it’s on dining, gas or at U.S. supermarkets, there’s a card that’ll help you earn even more points and miles rewards.
How to unlock elite status, transfer points and more for awesome stays
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.
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.
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.
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.
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.
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.
All Marriott credit cards waive foreign transaction fees when swiping your card outside the U.S.
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.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
Summer Hull has been covering (and using) travel tips, rewards credit cards and loyalty programs for over a decade. She has flown close to a million miles, often on points and miles and with her family in tow.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
 Marriott Bonvoy Boundless® Credit Card | occasional Marriott guests | Earn 3 Free Night Awards | 2 - 17X points | $95 | at Chase's secure siteSee detailsSee rates & fees |
 Marriott Bonvoy Brilliant® American Express® Card | welcome offer and elite status | Earn 100,000 Bonus Points | 2 - 21X points | $650 | at American Express's secure siteSee detailsSee rates & fees |
 Marriott Bonvoy Business® American Express® Card | small businesses | Earn 75,000 Marriott Bonvoy® bonus points | 2 - 6X points | $125 | at American Express's secure siteSee detailsSee rates & fees |
 American Express Platinum Card® | premium travel perks and digital entertainment | As High As 175,000 points. Find Out Your Offer. | 5X points | $895 | at American Express's secure siteSee detailsSee rates & fees |
 The Business Platinum Card® from American Express | business owners who prioritize premium travel perks | As High As 300,000 points. Find Out Your Offer. | 1 - 5X points | $895 | at American Express's secure siteSee detailsSee rates & fees |
 Marriott Bonvoy Bold® Credit Card | no-annual-fee card | Earn 45,000 Bonus Points | 1 - 14X points | $0 | at Chase's secure siteSee detailsSee rates & fees |
 Marriott Bonvoy Bevy® American Express® Card | Marriott Bonvoy Gold elite status | Earn 85,000 Bonus Points | 2 - 18.5X points | $250 | at American Express's secure siteSee detailsSee rates & fees |
 American Express® Gold Card | dining at restaurants | As High As 100,000 points. Find Out Your Offer. | 1 - 5X points | $325 | at American Express's secure siteSee detailsSee rates & fees |
 Chase Sapphire Preferred® Card | beginner travelers | 75,000 bonus points. | 1 - 5X points | $95 | at Chase's secure siteSee detailsSee rates & fees |
 Chase Sapphire Reserve® | travel and dining combined | 100,000 bonus points. | 1 - 8X points | $795 | at Chase's secure siteSee detailsSee rates & fees |
Best for occasional Marriott guests
| Rate | Category |
|---|---|
| 17X | Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card. |
| 3X | Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining. |
| 2X | 2X points for every $1 spent on all other purchases. |
Earn 3 Free Night Awards
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards.
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards.
Best for occasional Marriott guests
Earn 3 Free Night Awards
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards.
Best for welcome offer and elite status
| Rate | Category |
|---|---|
| Up to 21X | Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status. |
| 6X | Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. |
| 3X | Earn 3X points at restaurants worldwide and on flights booked directly with airlines. |
| 2X | Earn 2X points on all other eligible purchases. |
Earn 100,000 Bonus Points
$650
19.74%-28.74% Variable
Excellent to Good
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
Best for welcome offer and elite status
Earn 100,000 Bonus Points
$650
19.74%-28.74% Variable
Excellent to Good
The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee.
Best for small businesses
| Rate | Category |
|---|---|
| 6x | 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
| 4x | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
| 2x | 2x points on all other eligible purchases. |
Earn 75,000 Marriott Bonvoy® bonus points
$125
19.74% - 28.74% Variable
Excellent to Good
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
Best for small businesses
Earn 75,000 Marriott Bonvoy® bonus points
$125
19.74% - 28.74% Variable
Excellent to Good
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for business owners who prioritize premium travel perks
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms. |
| 1X | Earn 1X points on other eligible purchases. |
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for business owners who prioritize premium travel perks
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for no-annual-fee card
| Rate | Category |
|---|---|
| 14X | Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®. |
| 2X | Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services. |
| 1X | 1X point for every $1 spent on all other purchases. |
Earn 45,000 Bonus Points
$0
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks.
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks.
Best for no-annual-fee card
Earn 45,000 Bonus Points
$0
19.49% - 27.99% Variable
Good Credit, Excellent Credit
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks.
Best for Marriott Bonvoy Gold elite status
| Rate | Category |
|---|---|
| Up to 18.5X | Earn up to 18.5X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status. |
| 6X | Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. |
| 4X | Earn 4X points at restaurants worldwide and U.S. Supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points). |
| 2X | Earn 2X points on all other eligible purchases. |
Earn 85,000 Bonus Points
$250
19.74%-28.74% Variable
Excellent to Good
This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.
This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.
Best for Marriott Bonvoy Gold elite status
Earn 85,000 Bonus Points
$250
19.74%-28.74% Variable
Excellent to Good
This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.
Best for dining at restaurants
| Rate | Category |
|---|---|
| 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. |
| 5X | Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Best for dining at restaurants
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Best for beginner travelers
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for beginner travelers
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for travel and dining combined
| Rate | Category |
|---|---|
| 8x | Earn 8x points on all purchases through Chase Travel℠, including The Edit℠. |
| 4x | Earn 4x points on flights and hotels booked direct. |
| 3x | Earn 3x points on dining worldwide. |
| 1x | Earn 1x points on all other purchases. |
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Best for travel and dining combined
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
What's your favorite Marriott credit card — and why?
"The Amex Platinum comes with automatic Gold status with Marriott (enrollment required), but my favorite hotel-related perk on the card is access to Fine Hotels + Resorts. This portfolio includes many St. Regis properties, unlocking added perks during many of my Marriott stays around the world."
“I aim for at least Platinum Elite status each year with Marriott and the 15 elite night credits I get from my Boundless card help me reach the 50 nights I need each calendar year for this goal. Plus, the up to 35,000-point free night award offers more value to me than the card’s $95 annual fee.”
“The Bonvoy Brilliant comes with a hefty annual fee, but it’s a long-term keeper for me. I enjoy $300 in annual dining credits, and I use the 85,000-point certificate for a stay of at least $500 every year. Add in automatic Platinum status and it’s easy to justify the out-of-pocket cost.”
