The Last-Minute SPG and Marriott Merger Checklist
Update: The 60,000-point pricing detailed below is no longer available as of March 5, 2019. For details on Marriott redemption options, please visit How to Redeem Points With the Marriott Bonvoy Program.
This is officially the final countdown before the Starwood Preferred Guest and Marriott Rewards programs become one on this coming Saturday -- August 18. The merger and integration process has been years in the making, and hopefully, you are already well prepared for the big transition coming this weekend. However, I can't possibly be the only procrastinator that is still ticking off last-minute SPG and Marriott to-do items.
To help you (and me), here are some last-minute SPG and Marriott checklist items to be sure and complete as soon as possible...as in, get on this today.
Transfer Points Between Household Members
Marriott's current rule on point transfers between members is that you can transfer 1,000 - 50,000 points per year to another member for a fee of $10, which is waived for Gold and Platinum elite members.
Starwood has a much more family-friendly policy that permits SPG Members who reside at the same address to transfer SPG points to each other without a yearly cap or fee in 1,000-point increments. SPG members must have shared the same residential mailing address on file for at least 30 days prior to requesting the points transfer.
Since we haven't heard anything to the contrary, at this point, I'm betting that the policy in the new combined program is more similar to the current Marriott policy than the more generous SPG policy. If you want to combine points with a household member via the SPG site, I'd do that today.
The good news is that functionality is still live as of when I tested it this morning, the bad news is that transfers are not instant. This means you may not have the points moved from one account to another before the new combined program is live.
Last Call to Purchase SPG Points
I know lots of us have August 18 circled in red on our calendars to make bookings at high-end properties that are decreasing in award price. Being able to book St. Regis level properties in Maldives, Bora Bora, Al Maha, Kauai, Punta Mita, Manhattan and more for "just" 60,000 Marriott Rewards points per night is going to be exciting, but you probably need to have the points in place to grab that availability while it is (hopefully) still there.
If your combined SPG and Marriott point balance is short of what you need to book the stays you want, you can still purchase SPG points as of today. SPG allows you to purchase up to 30,000 points per year, which will convert to 90,000 Marriott Rewards points. Marriott only lets you purchase 50,000 points annually, which isn't even enough for one night at those high-end properties. Since the SPG program as we know it is going away as of this weekend, I'm making the assumption that the ability to purchase SPG points will end as well.
The bad news is that SPG points are not discounted via a sale right now, so they are quite expensive at 3.5 cents each (the equivalent of 1.17 cents per Marriott point). That is cost-prohibitive in many situations, but if you are looking to book five nights and enjoy that fifth night free at a super high-end resort, it could be worth topping up to the 240,000 Marriott Rewards points you will need for that stay, factoring in that SPG points transfer to Marriott at a 3x ratio. For reference, Marriott Rewards points sell for 1.25 cents per point.
Be Careful Transferring Points Between SPG and Marriott
I may have made an error this morning trying to prepare my Marriott and Starwood accounts for this weekend. To get ahead of any potential tech integration problems that may or may not happen as they combine the programs, I transferred my SPG points into my Marriott Rewards account. I thought the transfer would be almost instant, as it had been in the past, but that was not exactly the case.
When my SPG points didn't appear in my Marriott account within an hour, I asked other TPG staffers if they had also experienced a slow down in points transfers and there was a nerve-racking report of a recent transfer that took days. Yes, days. Before having a full-on panic attack that I just royally messed up my August 18 strategy, I checked the Marriott app. Thankfully, the points transfer was reflected in the Marriott app, though I don't know how that plays into trying to book award stays.
Given all that, I would be very careful in transferring points right now from SPG to Marriott (or vice versa) as they may end up in Neverland for a period of time. Hopefully, that time period is just minutes or hours.
If you do decide to transfer SPG points to Marriott , you can do so by logging in to your SPG account, selecting "Redeem Starpoints", then "More Options" and finally "Transfer Starpoints to Marriott Rewards".
Month-Long Blackout Coming for Marriott Travel Certificates
While we are still guessing as to exactly what will become of the existing Marriott Vacation Travel Certificates, we do know that from August 18 to September 18, 2018, you will not be able to modify your certificates for existing reservations or use them to make a new reservation. In other words, these are your final few days to use a certificate for roughly the next month. We won't learn exactly how the old certificates work in the new program until the new program is live.
Be Ready for August 18
If you haven't already read our post on 6 Tasks To Complete Before Marriott and SPG Combine, head there next. That article talks about lifetime status, the full award chart for the combined programs, making Marriott Air + Travel Package purchases before they are devalued and identifying which properties to book before and after the August 18 pricing changes.
Hopefully, you have already done most of those tasks, and are now in the final stretch before the go-live date of the combined program. If so, you just need to prioritize which of those booking and rebooking tasks you hope to complete this weekend versus which can wait until later.
We know that Marriott hopes to have the new program up and running at some point on August 18, but we don't know exactly when during the day. All systems will be down while they cut over, and we will be tweeting and posting through the day as functionality returns.
I recommend making an organized list of properties and dates you want to book as soon as the new program is live so you have all of that information in one place as soon as the hot high-end properties are available for fewer points than today. Repricing a stay at the Aloft Wichita for the new lower rate can perhaps wait until things are all ironed out later in the week, but if you want St. Regis Maldives for 60k points per night, I'd be ready this weekend with dates, back-up dates and points ready to rock and roll.
If you are running behind in prepping for the Marriott and SPG loyalty programs to become one this Saturday, you still have time, but you need to get busy right away in order to maximize your points and perks both before and after the August 18 cutover.
TPG featured card
Rewards
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- 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.
- 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.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 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. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- 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.
- 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.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.