Launched in August 2018, the Marriott Bonvoy Program has come a long way from its separate legacy programs. It merged its Marriott Rewards, The Ritz-Carlton and the Starwood Preferred Guest programs into one complete hotel rewards package known as the Marriott Bonvoy.

With the Marriott Bonvoy, you can enjoy tons of benefits and perks from more than 30 brands operated by Marriott International. You’ll have exclusive amenities, offers and complimentary internet and meals from various budget-friendly properties and luxurious hotels worldwide. You also can transfer points to more than 40 airlines and book award tickets from your favorite frequent-flyer program.

The best thing about the Marriott Bonvoy program is that it offers you great flexibility when it comes to earning redeemable points. The hotel chain has partnered with two of the largest credit card issuers: American Express and Chase. You can choose from four credit cards to access the long list of benefits.

Chase-Issued Marriott Bonvoy Cards

Two Marriott Bonvoy credit cards are issued by Chase. The Marriott Bonvoy Boundless® Credit Card and the Marriott Bonvoy Bold® Credit Card offer exclusive perks and benefits for all eligible cardholders.

You don’t have to worry about foreign transaction fees because these charges are waived on purchases made outside of the United States.

Even better, Bonvoy points don’t expire as long as the cards are active in the past 24 months. You’ll also have access to Chase’s 24/7 Visa Signature® Concierge Service for tickets to various culinary and cultural experiences.

Chase gives you tons of reimbursements to ensure that your trips are hassle-free. Travel perks include compensation for baggage delays, damage and flight delays.

Marriott Bonvoy Boundless® Credit Card

If you’re looking for a free night certificate every year, the Marriott Bonvoy Boundless® Credit Card may be your perfect match.

Besides the welcome offer, you’ll earn 3X Bonvoy points per dollar you spend on dining, grocery and gas (on the first $6,000 in combined purchases per year) and 6X at Marriott properties. You’ll also be eligible to earn one elite night credit towards status for every $5,000 you spend and 15 elite night credits every year you’re a cardholder.

At your card anniversary, you receive one free night certificate. The card grants automatic Silver Elite status.

Marriott Bonvoy Bold® Credit Card

On the other hand, the Marriott Bonvoy Bold® Card doesn’t have an annual fee.

You’ll also be eligible for 15 elite night credits annually and 3X Bonvoy points per dollar spent at participating Marriott Bonvoy hotels and properties.

American Express-Issued Marriott Bonvoy Cards

American Express also offers two co-branded credit cards under the Marriott Bonvoy umbrella. One is its personal card known as the Marriott Bonvoy Brilliant™ American Express® Card, while the other is its business card called the Marriott Bonvoy Business® American Express® Card.

Both cards also waive foreign transaction fees and offer complimentary in-room Wi-Fi access. The premium card also gives you unlimited visits to more than 1,300 Priority Pass airport lounges worldwide.

Marriott Bonvoy Brilliant™ American Express® Card

The Marriott Bonvoy Brilliant™ American Express® Card (see rates & fees) earns 6X points at Marriott hotels, 3X points at restaurants worldwide and flights booked directly with airlines, and 2X on all other purchases.

It also awards you one free night certificate worth up to 85,000 points every year you renew the card, up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide, a $100 property credit and 25 elite night credits per year. You can enjoy the perks and benefits of Platinum Elite status that comes with the card automatically.

Marriott Bonvoy Business® American Express® Card

With the Marriott Bonvoy Business® American Express® Card (see rates & fees), you receive one free night worth up to 35,000 Bonvoy points every account anniversary.

It earns 6X Bonvoy points per dollar at Marriott Bonvoy program properties and 4X points at restaurants worldwide and U.S. gas stations as well as U.S. shipping and with mobile service providers.

The card also comes with automatic Gold Elite status and 15 elite night credits every year.

How to Navigate the Restrictions on the Marriott Bonvoy Credit Cards

Marriott Bonvoy Card Eligibility Rules

There’s a lot of rules to follow when it comes to being eligible for a Marriott Bonvoy card. You have bank specific rules, but also rules that span across various products – both old products that are no longer available and new ones. Let’s just say, it can get really complicated really fast. But for easy reference, here’s a chart of the Marriott Bonvoy eligibility rules based on other cards that you may have had.

There’s four general rules that can apply to cards. These are general rules, and you need to see which ones apply to your specific situation in the table below.

  1. You’re simply ineligible for the welcome offer on a card if you have another specific Marriott card open
  2. You’re ineligible if you’ve had another specific Marriott card open in the past 30 days
  3. You’re ineligible if you’ve opened another specific Marriott card in the past 90 days
  4. You’re ineligible if you’ve received the bonus on another specific Marriott card in the past 24 months

Some variation of these rules apply to every Marriott card depending on what cards you have now or have opened in the past. To simplify it, we’ve put together the chart below that you can reference to determine which rules apply. Simply look at the card you want to open at the top, and reference with cards you currently have, or have had in the past, on the left to determine which eligibility rules apply.

Marriott Bonvoy Card Eligibility Table

Chase-Issued Marriott Bonvoy Card Eligibility Rules

Chase has general card eligibility terms for all its credit cards. In particular, you may want to consider the 5/24 rule and the 24-month rule before applying for its Marriott Bonvoy cards.

As per the 5/24 rule, you won’t be eligible to open a new account with Chase if you opened five or more credit cards within the past 24 months. It explicitly covers all personal credit cards from any issuer and select business cards.

Meanwhile, the 24-month rule won’t allow you to receive a welcome bonus if you already hold the same card or have already gotten the same offer in the past two years.

Apart from its general eligibility terms and conditions, the Marriott Bonvoy Boundless® Credit Card and the Marriott Bonvoy Bold® Credit Card aren’t available to current and previous cardmembers of the same credit card in the past 24 months. Nonetheless, you can request a product change if you decide to shift from one personal Marriott Bonvoy card to another.

Additionally, you won’t be eligible for a credit card if you’re a current cardholder or a previous Marriott Bonvoy card member from American Express within the past 30 days.

You also won’t have your application approved if you’ve applied for a Marriott Bonvoy credit card from American Express within the last 90 days.

American Express-Issued Marriott Bonvoy Card Eligibility Rules

American Express also has several card and welcome bonus eligibility terms that you should consider before applying for any of its Marriott Bonvoy cards. These rules cover the number of credit cards you’ve opened and closed. Regardless, following them gives you a higher chance of getting your application approved.

One rule is the five-card rule that allows you to hold no more than five personal and business American Express credit cards at a time.

You also can’t open two Amex cards within five days or more than two cards within 90 days.

Note that if you currently hold or have held the Marriott Bonvoy Brilliant™ American Express® Card in the past, you’re eligible for the Marriott Bonvoy Business® American Express® Card.

In terms of its welcome offers, you’ll only be eligible for a Marriott Bonvoy welcome offer if you haven’t received an offer on the same card in the past. In addition, you shouldn’t hold a Marriott Bonvoy card from Chase within the past 90 days.

Alternatively, your application may not get approved if you’ve already obtained a new cardmember bonus or upgrade from Chase within the last 24 months.

What Makes the Marriott Bonvoy Program Popular

As a member of the Marriott Bonvoy loyalty program, you can redeem points for free stays and complimentary packages from more than 30 hotel brands. That equates to VIP experiences and rooms in more than 8,000 hotels, resorts, residences and extended stay properties in about 140 countries.

There are five elite status tiers that you can earn by staying at Marriott properties, two of which you can earn by holding a co-branded credit card. They all have different perks, so it’s worth looking into each tier before applying for a Marriott Bonvoy credit card from Chase or American Express.

How to Navigate the Restrictions on the Marriott Bonvoy Credit Cards


By default, all eligible Marriott Bonvoy program members get free Wi-Fi in all their rooms. You can also use your mobile phone to check in and check out and as a room key. You can even spend your points on meals, cocktails and spa experiences.

Silver Elite

If you’ve stayed 10 nights in a calendar year, you earn the Silver Elite status, which comes with slightly more benefits.

Silver Elite members earn 10% more points on hotel purchases and enjoy priority late checkout. You’re also eligible for the Ultimate Reservation Guarantee that compensates you for a reservation that can’t be honored.

Gold Elite

Their next tier starts at 25 nights in a calendar year. As a Gold Elite member, you’ll earn 25% more points on hotel spend with a chance to upgrade your room. You can also check out as late as 2 p.m.

You’ll also get a welcome gift of 250 to 500 points, depending on the property.

Platinum Elite

After staying 50 nights per year, you’ll reach the Platinum Elite level. You’ll earn 50% more points on hotel purchases and receive a welcome gift, such as points, free breakfast or exclusive amenities.

You can also upgrade your room to a suite and earn an annual gift choice, such as suite night awards, gift of status or a discount on a bed.

Platinum Elite members also have free lounge access with complimentary breakfast. The late checkout benefit lets you check out of your room at 4 p.m. (when available). You also get access to a dedicated 24/7 elite support team to assist you with your needs.

Titanium Elite

The Titanium Elite status tier begins at 75 nights per year. It lets you earn 75% more points on hotel spend and enjoy a 48-hour guarantee for all your bookings. That means a room should be available to you even within 48 hours of booking. This status level also rewards you with a complimentary United MileagePlus Premier Silver status.

Ambassador Elite

With at least 100 nights per year and a $20,000 annual qualifying spend, you’ll be eligible for Marriott’s top-tier ambassador service and flexibility to choose your own 24-hour check-in and checkout time.

Final Thoughts

There are a lot of perks and benefits to look out for under the Marriott Bonvoy Program. You’ll get exclusive rooms, experiences and complimentary gifts from thousands of hotels and properties using your Marriott Bonvoy credit cards from Chase and American Express.

These cards have general rules covered by their issuers and card-specific terms and conditions you should consider. Familiarizing yourself with the rules will increase your chances of securing one or two of these Marriott Bonvoy credit cards.