Transferring points to my fiancée — reader mistake story
Today, I want to share a story from TPG reader William, who overlooked one of Marriott's rules for transferring points to airline partners:
My job requires a significant amount of international travel, and I have been stashing (and now finally cashing in) points for my honeymoon to Singapore, Bali and Thailand next June! I transferred points from my Chase Ultimate Rewards account to Singapore Airlines and booked two business-class tickets from Los Angeles to Singapore (with a three-day stopover) and Bali for 90,000 points each, and redeemed Marriott points for five nights at The Laguna resort in Bali. The only thing left was to book the return flights.
My fiancée was sitting on a stash of around 67,000 AAdvantage miles, and I knew if we got her to 70,000, we could use her miles to book her return in business class on Cathay Pacific or Japan Airlines. I had a big stash of Marriott Bonvoy points, so I decided to transfer 12,000 points to her AAdvantage account at a 3:1 ratio to get 4,000 miles. Marriott's transfer website only asked for the frequent flyer number of the recipient, so I entered her AAdvantage number and got an email from Marriott saying it would take up to a week to process.
Over a week later, she had still not seen the points in her account, so I decided to reach out to Marriott Bonvoy over Twitter. They responded within the day and said they would message me back after reaching out to their American Airlines counterparts. Within the next couple of days, I received a reply noting that you can only transfer points from Marriott to American Airlines if you are the recipient. This was not on the transfer page or anywhere overt, but rather in the fine print.
It was only 12,000 Marriott points, but I explained my situation as an honest mistake and politely asked if there was any way to get the points back. Much to my surprise, Marriott replied a few days later saying that they reached out to American Airlines, who said they would make an exception and posted the miles to my fiancée's account. They noted that for future transactions, the names must match for the transfer to be accepted.
Luckily this was for a small number of points; if I had transferred a lot of them, I would have definitely been sweating it out. As much heat as Marriott gets for their recent customer service problems, they went above and beyond to work with American Airlines to resolve my issue and make an exception. I give both companies major props for their understanding. Ultimately, I was able to book our return flights in Japan Airlines business class!
The Marriott Bonvoy program rules stipulate that to transfer points to an airline partner, the name on the frequent flyer program account must match the name on the member's Bonvoy account. The relevant section in the terms and conditions (3.11.b) states that the rule applies to "most" airline partners, implying that some airline partners may be exempt, but the phrasing is just a relic of the SPG merger that hasn't been updated. To avoid protracted transfer times and canceled transactions, make sure the names on each account are identical before initiating a transfer.
If you want to transfer Marriott points to someone else's frequent flyer account, there's an easy workaround. You can simply transfer points from one Bonvoy account to another, so long as both accounts have been open and in good standing for 90 days (or 30 days with qualifying activity). Assuming William's fiancée also had an eligible Marriott account, he could have sent her the requisite number of points, which she could then transfer to her AAdvantage account. Transfers within Marriott are generally instantaneous, so that extra step won't slow you down much.
Related: Which flexible points programs let you transfer points to others?
I appreciate this story, and I hope it can help other readers avoid making the same mistake. In appreciation for sharing this experience (and for allowing us to post it online), I'm sending William a gift card to enjoy on future travels, and I'd like to do the same for you. Please email your own travel mistake stories to info@thepointsguy.com, and put "Reader Mistake Story" in the subject line. Tell us how things went wrong, and (where applicable) how you made them right. Offer any wisdom you gained from the experience, and explain what the rest of us can do to avoid the same pitfalls.
Feel free to also submit your best travel success stories. If your story is published in either case, I'll send you a gift to jump-start your next adventure. Due to the volume of submissions, we can't respond to each story individually, but we'll be in touch if yours is selected. I look forward to hearing from you, and until then, I wish you a safe and mistake-free journey!
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 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 | New! 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. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
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 $8,000 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.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- 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.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.