The Marriott Rewards Premier Plus Credit Card Review

Estimated read time: 5 minutes

How often do you travel for business? How many of those nights do you have to pay out of pocket? Are you taking full advantage of those nights? Most people have rewards cards, but don't use them as diligently as they should. A rushed check-in might make it seem easier to skip the rewards, but that's several hundred dollars not going towards your credit.

Over time, these stays and add up quickly — and everyone you don't receive rewards for is more money wasted. But even if you've never used a hotel rewards card before, the Marriott Rewards Premier Credit Card is a great starting point. It can help you learn to use your rewards properly and how to get the most out of each night.

Marriott offers one primary credit card: the Marriott Rewards Premier Credit Card. While there is a business version of the card, the rewards are almost the same and it doesn't benefit the average consumer—you—nearly as much. That said, someone who only takes vacations once per year won't receive many benefits from owning this card. The targeted group for this card is definitely people that travel for business on a regular or semi-regular basis.


These are some of the most commonly asked questions about the Marriott credit card.

What can I use my Marriott credit card for?

You can use your Marriott credit card to make most any purchase. However, only eligible purchases give you the most points; most non-travel related purchases only equal one point per dollar spent.

Where can I use my Marriott card?

You can use your Marriott card anywhere you would use a regular credit card: at the grocery store, at dinner, to make purchases online, etc.

How long does it take Marriott to refund your card?

Depending on the circumstances surrounding the refund, it can be as little as seven days or as many as 30. The speed of a refund depends largely on the merchants involved, the circumstances, and the date on which the refund was issued.

How can I check my Marriott card balance?

Log into your Marriott account to view your nights earned, your balance, and other relevant information.

Can I withdraw money from Marriott credit card?

Yes, you can get a cash advance from your Marriott card. However, be aware this advance carries a 25.74% APR that can vary based on the Prime Rate.

Can I pay for my Marriott credit card with a debit card? Or Paypal?

All payments must be made via a bank transfer.

Can I pay off my bill through another credit card?

No, all payments must be made via a bank transfer.

Can I use my Marriott credit card without the card?

While in limited cases it might be possible to use the card without it being present, you should avoid doing so at all costs for security reasons. That said, if you have your Marriott Rewards number you should be able to earn rewards on your dollars spent.

How to add an authorized user to Marriott credit card?

You can add an authorized user through your Marriott account or over the phone. If you add a user and then make a purchase within the first three months of opening the account, you'll receive additional bonus points.

Which credit bureaus does Marriott report to?

The credit bureau Marriott reports to varies from state to state, and the company will often change up the specific bureau. Know that all three bureaus could receive reports.

How much in FICO scores do I need to be eligible?

The Marriott Rewards Premier Credit Card needs an Excellent credit rating, which means you need a FICO score of 720 or higher.

How soon can I use my Marriott credit card once I receive it?

Once you receive your Marriott card in the mail and activate it, you can begin using it right away.

How to contact Marriott credit card services?

There is a phone number listed on the back of your Marriott card that you can get used to getting in touch with the customer service department. You can also call 1-800-338-5960 to reach Chase Cardmember services.

How can I change my information on my Marriott card?

Some information can be changed from your online account, while other information may require a call to the customer service department to be changed.

Can I increase the credit limit on Marriott credit card?

The credit limit can be increased, but only by Marriott. On-time payments, an increased credit score, and a variety of other positive behavior on your part can increase the chances of a higher credit limit.

How to report a stolen Marriott Card?

If your card is lost or stolen, contact member services immediately to report the card. Give them the date and time you last used it so any changes made since that time can be revoked. The existing card will be canceled and a new one issued to you.

How can I cancel my Marriott credit card?

If you no longer wish to use your credit card, contact member services and request that your account is closed. Note that your account cannot be closed unless there is no longer any debt on the account.

Can someone co-sign for a Marriott credit card?

Chase does not allow for co-signers on their credit cards, so you will not be able to have someone co-sign for the Marriott card.

Can I use my card overseas/abroad? If yes, what are the related fees?

Yes, your card can be used overseas. One of the benefits of the Marriott card is the lack of foreign transaction fees.

Will my card be closed if I do not use it over time?

If you do not use your card at least once every 24 months, you will lose your reward points. However, unless you close down the account or violate the terms of your contract, the card should not be closed.

Is there a cash back offer on my card?

No. The Marriott Rewards Premier Credit Card awards point with every purchase, not cash back. These points can be redeemed toward hotel stays and frequent flyer miles, but not cash.

What is the expiry period on my points?

As long as the card is used at least once every 24 months, the points will never expire.

What does a category 1-5 hotel mean and how is it determined which category hotel will I get my free night at?

The hotel categories can be thought of as the star rating for the hotel; however, a category one hotel is not a one-star hotel. It just means it is the lowest in terms of amenities and conveniences in the overall ranking. The free night awarded to cardholders annually can be redeemed at a category one to five hotel. The category you get your free night at is your choice; the range allows more choice to cardholders.

Can I avail the free night stay at any time during the year?

Yes, under most circumstances. There are no blackout dates on rewards with the Marriott card.

Are there any specific airlines that I will get reward points for?

You can redeem your reward points for miles through a host of different airlines. For a full list, consult the Marriott Travel Rewards page.

What is an Elite Status and what can I do to achieve it?

Elite status is one of three tiers of membership for Marriott Rewards members. All members will receive 15 Elite credits each year, which automatically places them in the Silver Elite status. To achieve Gold or Platinum Elite, you will need to stay 50 and 75 nights, respectively.

How many Elite points will get me a Platinum card?
Will authorized card members also receive a free stay at the hotel for their annual card-anniversary?

One free night will be awarded on the anniversary of the account opening per card, not per user.

How many points will I get for adding an authorized user?

If you add an authorized user and make a purchase within three months of the account opening, you will receive an additional 7,500 bonus points.

Our Verdict

The Marriott Rewards Premier Credit Card is an excellent choice for a frequent traveler that has a particular penchant for Marriott hotels. Because the card can only be redeemed for nights at the Marriott or frequent flyer miles, its functionality is limited. If your company puts you up in the Marriott (and redeems you for the money spent), then it can be a great way to earn rewards with little effort.

However, outside of this, there are likely better options. For example, the Capital One Venture Card yields miles that can be redeemed for rental cars and other services. The Barclay Arrival World Elite yields a massive amount of miles per dollar spent. For an all-around travel card, these two would be better options. If you're strictly looking for a card that will help you earn free hotel stays, however, then it's hard to go wrong with the Marriott Rewards Premier Credit Card.