Marriott Rewards Premier review | finder.com

Review: Marriott Rewards® Premier credit card

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Please note: This card has been discontinued, and it is not available on our site.

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Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
14.99% to 25.99% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
14.99% to 25.99% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$250 Back. Here’s how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
1.5% cash back
14.99% to 25.99% variable
$0
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 Bonus Points after you use your new card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
14.99%, 18.99% or 24.99% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
1 miles
17.74% to 26.74% variable
$0
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
1 miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1 points
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2 points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

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The Basics

If you’re looking for a hotel-brand card, the Marriott Rewards® Premier credit card is an attractive choice. It comes with a great signup bonus: 80,000 points if you spend $3,000 in the first three months. That’s enough for 10 free stays at Marriott, given free nights start at 7,500 apiece for Category 1 hotels. You’ll even have enough to book a night at a Category 9 hotel, which starts at 45,000 points.

You’ll find strong point earnings on the card if you stay at Marriott often: 1x points at Marriott Rewards® Premier credit card and Starwood Preferred Guest hotels. That’s in addition to the 10x points you’ll earn as a Marriott Rewards® Premier credit card member at most Marriott properties. Needless to say, the Marriott Rewards® Premier credit card is a powerful points machine if you’re a Marriott regular.

The card isn’t helpful if you don’t stay at Marriott often: You’ll earn 2x points on dining, airline tickets and car rentals and 5x points on all other purchases. Those are decent earnings if you just want to earn a few free Marriott nights each year.

Additionally, you’ll earn a free night at a Category 1–5 hotel each year you remain a cardholder. You’ll automatically earn enough Elite credits to attain Silver status in the Marriott Rewards program. Finally, you’ll get travel and purchase coverage, such as trip cancellation coverage and purchase protection. The perks do round out the annual fee of $85 per year.

The Perks

  • SIGNUP BONUS: Lots of points.

You’ll receive 80,000 points if you spend $3,000 in the first three months. And if you add an authorized user and make a purchase on your card within the first three months, you’ll earn 7,500 bonus points.

  • POINTS: More points on travel.

Earn 1x points at Marriott Rewards and Starwood Preferred Guest hotels. Earn 2x points on dining, airline tickets and car rental agencies. And earn 5x points on everything else you buy.

  • A free night every year.

Every year after your cardmember anniversary, you’ll earn a free night at a Category 1–5 hotel in the Marriott collection.

  • Marriott Rewards accelerators.

Each year you have your card, you’ll receive 15 Elite credits — that’s enough to qualify for Silver Elite status. You’ll also receive one credit for every $3,000 you spend with your card.

You’ll also like …

  • No foreign transaction fees. Use your Marriott Rewards® Premier credit card internationally without incurring transaction fees.
  • Travel and purchase coverage. Enjoy benefits like baggage delay insurance, lost luggage reimbursement, trip cancellation insurance and trip delay reimbursement. Also, get purchase protection.
  • Access to Visa Concierge. Use the Visa Signature Concierge to make plans in dining and entertainment.

What to watch out for

  • It hurts to pay late. Making late or returned payments could result in fees as high as $37.
  • Points expiration. Your points will expire if you don’t make a purchase on your card at least once every 24 months.

Consider other cards if …

What should I know before I apply?

To apply for the Marriott Rewards® Premier credit card, you must be at least 18 years old (or 19 in Alabama and Nebraska).

Information you’ll need

  • Full name
  • Address and residential status
  • Annual income, source of income and employment information
  • Contact information
  • Social Security number and mother’s maiden name

What credit score do I need?

You’ll have a better chance of being approved for the Marriott Rewards® Premier credit card if you apply with a good to excellent credit score of 680 or higher.

How to apply for the Marriott Rewards® Premier credit card

1. Go to the Chase website and click Apply Now.

step 1 Marriot Rewards Premier Credit Card

2. Complete the application form with your name, address, annual income and Social Security number. Then review your application and submit it.

step 2 Marriot Rewards Premier Credit Card

How long will it take to be approved?

Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

I got the card. Now what?

  • Making payments. You can pay your card bill online at the Chase website. You can also enroll in autopay.
  • Avoiding interest payments. After the close of each billing cycle, you have a grace period of 21 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $37. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, you can contact Chase support by phone, email or even Twitter.

Bottom line

The Marriott Rewards® Premier credit card is most attractive for Marriott regulars, but it can also be valuable for occasional visitors to the hotel.

Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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