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The SPG Luxury Amex is now the Marriott Bonvoy Brilliant™ American Express® Card— sign up for it here and earn a 100,000-point welcome bonus after spending $5,000 in the first three months.
The merger of Marriott Rewards and Starwood Preferred Guest into a single combined loyalty program — dubbed Marriott Bonvoy — has felt more like a piecemeal process than a single fell swoop. First, the points currencies and status levels were combined. Next, the legacy SPG properties were migrated over to Marriott’s reservation system. Finally, Marriott has unified its cobranded credit card offerings under the new Marriott Bonvoy branding.
Both Chase and Amex continue to issue different versions of Marriott Bonvoy credit cards. There are a total of five different options, three issued by Amex and two issued by Chase, though each issuer recently closed one of its products to new applicants, so there are only two Amex cards and one Chase card you can apply for.
Given all these changes, which include limited-time welcome bonuses, new perks and updated annual fees, today we’ll take a look at which Bonvoy credit card is right for you.
Before we dive into the details, here’s a quick refresher on how the current Amex and Chase cards convert to the new Bonvoy branding:
Unfortunately, many experienced award travel experts will not be eligible to earn the welcome bonuses on these Bonvoy cards for one reason or another. Each issuer has its own specific rules that restrict welcome bonus eligibility.
For Amex, the rule is one bonus per card per lifetime, and while the Bonvoy cards feature a new design, they aren’t technically counted as new products. That means you won’t be able to earn the 100,000-point welcome bonus on the Marriott Bonvoy Business™ American Express® Card from Amex if you’ve ever earned a welcome bonus on the Starwood Preferred Guest® Business Credit Card from American Express, since they’re considered the same product. With Chase, you have to deal with the infamous “5/24” rule, which says that in most cases, if you’ve opened 5 or more credit cards in the last 24 months, you’ll be automatically rejected when applying for new Chase cards.
In addition to these rules that apply respectively to nearly every Amex and Chase credit card, these two issuers took a worrisome step after the August merger and began sharing customer data to further limit bonus eligibility. The terms and conditions of Chase’s entry-level Marriott Bonvoy Boundless Credit Card (previously known as the Marriott Rewards Premier Plus Credit Card) say the following:
“The bonus is not available to you if you:
- are a current card member, or were a previous card member within the last 30 days, of The Starwood Preferred Guest® Credit Card from American Express;
- are a current or previous card member of either The Starwood Preferred Guest® Business Credit Card from American Express or the Starwood Preferred Guest® American Express Luxury Card, and received a new card member bonus or upgrade bonus in the last 24 months; or
- applied and were approved for The Starwood Preferred Guest® Business Credit Card from American Express or the Starwood Preferred Guest® American Express Luxury Card within the last 90 days.”
As you can see, you’ll have to clear several hurdles to make sure you’re eligible before applying for any of the Bonvoy credit cards. The first step is to make sure you’re on the right side of issuer-specific rules (like 5/24), but then you still need to double-check the terms and conditions of each individual credit card.
Cards Closed to New Applicants
Two Bonvoy cards are no longer available to you if you don’t already have them in your wallet. The first is the Marriott Bonvoy Amex, previously known as the SPG Amex, one of the most iconic and well-loved cards in the history of travel rewards. It comes with a $95 annual fee, which you can more than recoup through the cards annual free night certificate, valid at hotels that cost up to 35,000 points.
The second is the Marriott Bonvoy Premier Plus Business Visa Signature Card (previously the Marriott Premier Plus Business Credit Card from Chase). This card’s annual fee is being raised to $125 a year starting in March, but it’s also gaining the ability to earn a second 35,000-point free night certificate after spending $60,000 in a year.
Current holders of both of these products will be able to keep using their cards, but you’re no longer able to sign up for either.
Premium vs. Entry-Level
When deciding which cobranded card in a certain family is right for you, the first question to ask is whether you want the premium card or the entry-level version. Much of this boils down to whether the increased annual fee of the premium card is worth the extra perks it comes with. In this case, the Marriott Bonvoy Brilliant™ American Express® Card (previously the SPG Luxury Amex) comes with a $450 annual fee (See Rates & Fees) while the entry-level cards — the Marriott Bonvoy Card from American Express (previously the SPG Amex) and the Marriott Bonvoy Boundless Card (previously the Marriott Premier Plus) — each have a $95 annual fee.
So how can we justify that extra $355 (450-95)? For starters, the premium Marriott Bonvoy Brilliant card from Amex comes with a $300 Marriott statement credit, valid on room rates as well as property charges like dining and spa treatments. If you’re considering getting a premium cobranded credit card, I’ll assume that a room rate credit is as good as cash, essentially dropping the out-of-pocket cost for the Bonvoy Brilliant card to $150. Plus, from Feb. 13 to Apr. 24, the Marriott Bonvoy Brilliant Amex is offering a limited-time welcome bonus of 100,000 points after new card holders spend $5,000 in the first 3 months.
That extra $55 a year ($150 vs. $95) gets you an anniversary free night certificate worth up to 50,000 points, vs. the 35,000-point free nights on the lower-fee Marriott Amex cards. This can get you into some real fancy hotels around the world, including the Atlantis Royal Towers, Ritz-Carlton Key Biscayne, Ritz-Carlton Bali and more. TPG values that 15,000-point difference at $135, but if you redeem this free night certificate in peak season the extra value can be even greater than that. The Bonvoy Brilliant card also gives you the option to spend your way to Marriott Platinum status by charging $75,000 in a year, though that comes with a pretty high opportunity cost. Last but not least, the Bonvoy Brilliant card got a new perk, and beginning Mar. 28 it will offer a $100 property credit (not valid on room rates) on select cash bookings of two nights or more at Ritz-Carlton and St. Regis hotels.
While the math on the luxury Bonvoy Brilliant card is pretty compelling, there’s no way around the fact that you have to front the $450 annual fee in order to start receiving benefits. If you’re not prepared to do that, which entry-level card is right for you?
Since the Bonvoy Amex and Marriott Bonvoy Premier Plus Business cards are now closed to new applicants, you’ll have the choice of an Amex-issued Bonvoy business card, or a Chase-issued Bonvoy personal card. Assuming you’re eligible to apply for both of these products, there are pros and cons to each.
With the Marriott Bonvoy Business Amex, you pay a higher annual fee ($125)(See Rates & Fees). You also have the ability to earn a second 35,000-point annual free night certificate after spending $60,000 a year. Also, like the Bonvoy Brilliant Amex, the Bonvoy Business Amex is offering a 100,000-point welcome bonus after $5,000 in spending in the first three months, available to new card holders who sign up between Feb. 13 and Apr. 24. You also will get access to money-saving Amex Offers, which can completely offset your annual fee if you use them frequently.
The Chase Marriott Bonvoy Boundless card offers a lower annual fee of only $95, and still comes with an anniversary free night. With the closure of two cards to new applicants, this Bonvoy Boundless card is now your lowest-cost way to get your hands on some Marriott points and free nights. If you don’t qualify for a business credit card (though you might be surprised to learn that you do), this is the way to go. The card is currently offering a 100,000-point welcome bonus after $5,000 in spending in the first three months.
With five cards across two issuers getting new names, designs and features, picking the right Bonvoy card for you is a real challenge. Heck, even remembering which card is which is going to require a cheat sheet for days and weeks to come.
Despite these changes, the premium Marriott Bonvoy Brilliant Amex still makes an excellent case for itself with a valuable 50,000-point anniversary free night, a $100 luxury property credit on select cash bookings at Ritz-Carlton and St. Regis hotels and more. Just be sure to double-check the application rules before applying for any of these cards to make sure you are in fact eligible for the welcome bonus.
Know before you go.
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Limited Time Offer! Earn 100,000 points with this card after spending $5,000 within the first 3 months. TPG values 100K Bonvoy points to be worth around $800. Aside from the huge welcome offer you'll earn up to $300 in statement credits each year and 1 free night every year after cardmember anniversary.
- Limited time offer: Earn 100,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Offer ends 4/24/2019.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees.
- $450 annual fee.
- Terms Apply.
- See Rates & Fees