Is the Marriott Rewards Premier worth it? | February 2018

Review: Marriott Rewards® Premier credit card – February 2018

The Marriott Rewards Premier offers a strong signup bonus and great point earnings for Marriott spending.

  • Get this card if… you stay at Marriott properties often or want to save up for an occasional Marriott stay.
  • Pick something else if… you don’t stay at Marriott properties.
  • Recommended good to excellent credit score of 680 to 850.
Product NameMarriott Rewards® Premier credit card
Balance Transfer Rate (not intro)17.24% to 24.24% variable
APR for Purchases ( Purchase Rate )17.24% to 24.24% variable
Annual fee$85
Cash Advance Rate26.24% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 21 days
Returned Payment Fee$37
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Interest$0
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$85
Returned Payment Fee$37
Late Payment Fee$37
Cash Advance Fee$10 or 5% of the amount of each transaction, whichever is greater

The Basics

If you’re looking for a hotel-brand card, the Marriott Rewards Premier 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: 5x points at Marriott rewards and Starwood Preferred Guest hotels. That’s in addition to the 10x points you’ll earn as a Marriott Rewards member at most Marriott properties. Needless to say, the Marriott Rewards 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 1x 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 p.a. 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 5x points at Marriott Rewards and Starwood Preferred Guest hotels. Earn 2x points on dining, airline tickets and car rental agencies. And earn 1x 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 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 …

Compare other Chase credit cards

Rates last updated February 25th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Southwest Rapid Rewards® Plus Credit Card
17.24% to 24.24% variable
$69
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
Southwest Rapid Rewards® Premier Business Credit Card
17.24% to 24.24% variable
$99
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 6,000 anniversary bonus points.
United MileagePlus® Club card
17.24% to 24.24% variable
$450
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
United MileagePlus® Explorer Business card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
50000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
United MileagePlus® Explorer card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
40000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
Marriott Rewards® Premier Business credit card
17.24% to 24.24% variable
$99
75000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
Marriott Rewards® Premier credit card
17.24% to 24.24% variable
$85
80000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier credit card.
The Hyatt Credit Card
17.24% to 24.24% variable
$75
Get 40000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
British Airways Visa Signature® card
17.24% to 24.24% variable
$95
Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
Disney® Visa® Card
17.24% variable
$0
Earn 1% in Disney Rewards Dollars on all card purchases.
Disney® Premier Visa® Card
17.24% variable
$49
Earn a $200 statement credit after you spend $500 on purchases in the first 3 months from account opening.
The Ritz-Carlton Rewards® Credit Card
17.24% to 24.24% variable
$450
2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening.
The Chase Freedom® Unlimited™ credit card
16.24% to 24.99% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Chase Freedom® credit card
16.24% to 24.99% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Chase Sapphire Reserve
17.24% to 24.24% variable
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Chase Sapphire Preferred® credit card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 2X points on travel and dining at restaurants.
Chase Slate® credit card
16.24% to 24.99% variable
0% Intro APR for First 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.

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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).

Always consider your options and your financial situation before you apply for a credit card.

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.

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