Marriott Rewards® Premier Plus Credit Card review | finder.com

Marriott Rewards Premier Plus Credit Card review

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Marriott Rewards Premier Plus Credit Card

Earn accelerated points on your Marriott and Starwood hotels stays and a bonus night each year.

30-second take

  • Get this card if you frequently stay at Marriott and Starwood hotels.
  • Pick something else if you don’t want to pay an annual fee, or if you want an intro APR period.
  • Apply with good to excellent score of 670 or higher.
Product NameMarriott Rewards Premier Plus Credit Card
Card TypeVisa
Annual Fee$95
APR (Annual Percentage Rate) for Purchases17.99% to 24.99% variable
Introductory Purchase APR

N/A

Balance Transfer APR17.99% to 24.99% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Foreign Transaction FeeNone
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
Reward Value per Dollar2x points

The basics

If you often stay at Marriott or Starwood hotels, the Marriott Rewards Premier Plus Credit Card can be an excellent choice. With the card, you earn accelerated points on your stays and you get a Free Night Award every year on your card anniversary. And if you never owned a Marriott card before, you get to earn a generous signup bonus worth up to 10 stays at Category 1 properties.

Another card for Starwood and Marriott hotels

Starwood Preferred Guest® Credit Card from American Express

  • Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No foreign transaction fees on international purchases.
  • Receive 1 Free Night Award every year after your card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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The perks

  • Reward points.
    Earn 6x points at more than 6,500 participating Marriott Rewards and Starwood Preferred Guest hotels. Everything else you buy earns 2x points.
  • Signup bonus.
    Spend $3,000 on purchases in your first 3 months of card membership and get 75,000 bonus points. According to the Marriott website as of December 2018, that’s enough points to redeem for 10 nights at category 1 properties or two nights at category 5 properties.
  • Free Night Award.
    Every year after your card anniversary, enjoy a Free Night Award valid for properties worth up to 35,000 points for one stay. You can claim your first reward night 12 months after you open your account.

How much rewards can I earn with the Marriott Rewards Premier Plus Credit Card?

Suppose you spend $10,000 annually on participating Marriott Rewards and SPG hotels, and $10,000 on all other purchases with this card. You would earn 80,000 points. As of December 2018, the Marriott website lists that one point can be worth anywhere from 0.5 cents up to 1.1 cents depending on what you redeem it for.

If you clear the signup bonus, you’d earn a total of 155,000 points. Once you pay the annual fee, your points could be worth up to $1,400 in your first year.

If your spending pattern is similar and you use your Free Night Award, worth up to 35,000 points, after you pay for the annual fee you’d earn up to $1,100 from the second year.

How much do I have to spend to make the annual fee worth it?

The card comes with an annual fee of $95, which means you have to spend between $1,700 and $3,300 per year — depending on which properties you redeem your points for — to offset the annual fee.

You’ll also like …

  • Silver Elite status.
    Get complimentary Silver Elite status just by being a card member. This gives you benefits like 10% more points on your stays, priority late checkout, free Wi-Fi and more. If you spend $35,000 in a year, you’ll upgrade to Gold Elite status and get all Silver benefits plus room upgrade when available, welcome gift of points and more.
  • No foreign transaction fee.
    Use the card freely when traveling abroad without paying any fees on foreign transactions.
  • Visa concierge.
    Enjoy complimentary Visa Signature concierge service 24/7. Get help with tickets to sports and entertainment events, dinner reservations, picking out the perfect gift and more.
  • High minimum credit line.
    Your credit line depends on multiple factors, but with this card you won’t get a credit line lower than $5,000.

What to watch out for

  • Annual fee.
    You’ll have to pay a $95 annual fee to own the card. But if you frequently stay at participating Marriott Rewards and SPG hotels, you can offset the annual fee many times over.
  • Signup bonus eligibility.
    To get the signup bonus you have to meet certain criteria, including not being a card member of either this card or the Marriott Rewards® Premier credit card before you apply. If you already own either of these cards and you received a signup bonus within the last two years, you may not be eligible to get the new signup bonus.
  • No intro APR period.
    The card doesn’t have a 0% intro APR period. If you’re looking to move your balance and consolidate your debt or make a large purchase and carry your balance interest-free, look for a 0% intro APR card.

Compare travel rewards credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
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.
3x points
17.99% to 26.99% 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
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.
3x points
17.99% to 26.99% 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 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
2x points
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
150,000 Hilton Honors™ Bonus Points after you spend $4,000 or more in purchases with your new card within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$450
150,000 Hilton Honors™ Bonus Points after you spend $4,000 or more in purchases with your new card within the first 3 months of card membership.

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What should I know before I apply?

To apply for the card, you must be a US citizen and at least 18 years old, 19 in Alabama and Nebraska and 21 in Puerto Rico.

Also, you need to provide the following information:

  • Your name, phone number and address.
  • Date of birth and Social Security number.
  • Annual income and source of income.

What credit score do I need?

To increase your chances of approval, apply with a good to excellent credit score of 670 or higher.

What do customers say about the Marriott Rewards Premier Plus Credit Card

Card members love the rewards offered by this card, especially the signup bonus and the annual bonus night. Some claim that this is the main reason why they applied for the card.

Chase credit card division is rated A+ by the Better Business Bureau. Most complaints there revolve around poor customer service and high interest rates. Be sure to read over the entirety of your credit card agreement and understand the terms given to avoid surprises. If you’re stuck with a higher APR, paying off your balance each month will help you avoid getting hit with large interest charges.

How to apply for the Marriott Rewards Premier Plus Credit Card

  1. Go to the Chase website and find the Marriott Rewards Premier Plus Credit Card. Click Apply now.
  2. Fill out the application form with all requested information, including your date of birth and Social Security number.
  3. Review your application and submit.

How long will it take to get my Marriott Rewards Premier Plus Credit Card?

In most cases you’ll get an instant decision on your application. If Chase requires additional information you’ll have to wait up to 30 days.

Your card and any welcome materials should arrive within 7 to 10 business days once you’re approved.

I got the card. Now what?

  • Download Chase Mobile app. Use the app to monitor your account, pay your bills, send money with Zelle, find the nearest ATM and more.
  • Download Marriott Rewards app. With the app, you can make reservations, book rooms with points and more.
  • Avoid interest. Your due date is at least 21 days after the close of each billing cycle. Since the card has no intro APR period, make sure you pay your balance on time to avoid paying fees and interest on your purchases.
  • Customer service. If you have any questions, call 1-800-432-3117 and a customer service representative will assist you.

How do I redeem rewards from Marriott Rewards Premier Plus Credit Card?

With the Marriott Rewards Premier Plus Credit Card you earn points on your purchases, which you can redeem for hotel stays at participating properties, gift cards, you can share your points or you can transfer them to airline miles in 3:1 ratio — meaning 3 Marriott points for 1 airline mile.

It’s easy to redeem for hotel stays. Just log in to your Marriott account and on the Marriott website click Find & reserve. Make sure you check Use points, and then search your destinations on your preferred date.

Bottom line

The Marriott Rewards Premier Plus Credit Card can be a solid choice to anyone who’s a frequent visitor at Marriott and Starwood hotels. You get to earn points on your purchases and you get a Free Night Award each year on your anniversary. This alone is enough to offset the annual fee.

However, if you find that this is not the card you want, make sure you compare other travel credit cards to get the full scope of your options.

Frequently asked questions

Images: Chase

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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