Which Marriott Bonvoy Credit Card Should I Choose?

There are three consumer options, and their rewards and benefits increase in step with the annual fee you pay.
Gregory KarpFeb 26, 2021
Which Bonvoy Credit Card Should I Choose?

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Marriott enthusiasts have choices for a co-branded credit card: basic, midlevel and luxury. when the hotel company introduced its new Bonvoy loyalty program after its merger with Starwood Hotels and Resorts Worldwide.

Card choices for consumers are:

The pricier cards come with richer benefits and rewards than the basic card. Should you pay more to get more?

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Marriott credit cards share the hotel company loyalty program, Bonvoy. Note that one card is offered by American Express; the others, Chase. Here’s how they compare.

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This will be the right choice for many Marriott loyalists. As long as you use the free night each year, the card more than pays for itself. That’s because a night at a Marriott property typically costs more than the annual fee of .

Also key: If you’re looking for a card to use beyond Marriott booking, this one offers 2 points per dollar spent anywhere besides Marriott. That’s competitive with flat-rate cash back cards.

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The allure here is the annual fee of . That makes it a no-risk way to earn perks and points in the Bonvoy program, or generally to . It’s the card for those who refuse to pay annual fees, but it has less potential for outsized value compared with other Marriott cards.

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The annual fee of the might be hard to swallow, but it starts making sense when you break it down. If you can use the $300 hotel credit every year, that effectively drops the fee to $150. And you can book swankier hotels with your anniversary night, worth far more than the remaining $150. In addition to perks in the comparison chart, this card offers a $100 Marriott property credit on two-night stays at Ritz-Carlton and St. Regis hotels. The credit is good for expenses such as room service and spa treatments. Terms apply.

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Marriott has legacy cards that predate the launch of the Bonvoy program. They are closed to new applications. For reference, they are:

A current Bonvoy card for small business is the .

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To view rates and fees of the , see . To view rates and fees of the , see .

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