Why do you need a Marriott Bonvoy Personal and Commercial Credit Card

One of the best advantages of MARRIOTT Credit Cards Family It is the night -elite night credits that it receives every year, ranging from 15 to 25 nights, depending on the card you have. And if you have a personal and commercial credit card, get up to 40 elite night loans annually only from your cards.

That is an advantage for elite status every year. Let us discuss the value you get when you have a personal and small Marriott card.

Get 80% of the road to platinum state and the benefits of choice

Since elite night credits can stack, it is worth holding a personal and commercial briott card if it is eligible. Some Marriott credit cards come with 15 elite nights annually, including the Marriott Bonvoy Boundless® credit card (see rates and rates). However, the Bonvoy Brilliant® American Express® Marriott card It offers 25 elite night loans per year.

You may wonder why this is relevant when several of the Marriott cards and American Express Platinum Card® also offers the status of golden elite (Registration is required, the terms apply) or the ability to win a higher status based on spending. The big difference is that this automatic state does not give it the corresponding number of elite nights, so you still need to reach normal rating thresholds if you want to enjoy the benefits of choice of the program or reach even higher status levels.

Related: The complete guide to win the Marriott Elite state with credit cards

If you often stay in Marriott Properties, you can stack these 15 to 25 elite night credits in addition to your own trip to Update to the next elite level faster

When he stacked credits between a presentation card and a personal card that comes with 15 elite night loans, such as the Marriott Bonvoy unlimited and the Bonvoy Business® Express® Marriott card – You will have 30 elite night loans at the beginning of each year. Reaching platinum elite status requires 50 nights per year, which means that it is already 60% of the road there. I would need to be alone 20 additional nights (or Game the nights through credit card spending on the Boundless card) to reach the next level.

And once you have reached the status of platinum elite, the benefits can be incredibly valuable, including things such as access to the living room and Night update awards.

Those with him MARRIOTT BONVOY BRIDE AMEX Receive the courtesy platinous elite status every year as a card benefit. This will entitle benefits such as room updates and courtesy breakfast. However, you will not have the necessary credits (50 nights) to win the Annual choice benefit associated with the state of Platinum. This benefit allows you to choose one of the following:

That said, the 25 elite night credits that he wins in the Bonvoy Brilliant can be stacked with the 15 elite nights that he will get with the Bonvoy Presentation Cardallowing him to start every year with 40 elite night credits. Senior Editorial Director of TPG Nick Ewen He used this option and only four nights had stayed in Marriott Properties in 2024.

That is 80% of what you need to obtain its selection of first -option benefits (at 50 nights) and more than half of the 75 nights required for Titanium elite status. Upon reaching titanium, another benefit of choice unlocks along with additional advantages such as the ability to update standard suites in Ritz-Carlton Properties.

Annual Prize Nights

But why stop in two Marriott cards?

There are several reasons to have Like many Marriott credit cards As you can have in your hands. This is due to the incredible value you can obtain from the anniversary awards night certificates. Both Unlimited bonvoy and Bonvoy business The cards offer an anniversary reward night up to 35,000 points. However, the premium Marriott Bonvoy brilliant – With its annual $ 650 rate (see rates and rates) – Offers an annual awards night Ok up to 85,000 points by night. Certain hotels have resort rates.

Based on TPG April in April 2025 ValuationsMarriott points have a value of 0.7 cents each, which means that 35,000 points are worth $ 245.

Even so, depending on how travel, it is possible that you can get an even higher return in these award nights. A former TPG employee used his at the Sheraton Grand Hyde Park in Sydney, where they were updated to a massive terrace suite during the peak travel season, and in St. Regis Beijing for a room that would have cost more than $ 300 per night.

With Marriott’s dynamic price, the ability to use these awards is less predictable than in the past. However, it is still possible to exchange these awards for more than the cost of the annual credit card, which means that this benefit can only justify maintaining your Marriott credit cards year after year.

There are two exceptions here. He Bonvoy Bevy ™ American Express® and MARRIOTT BONVOY BOUNTIFUL CARD Do not offer free night awards automatically every year. On both cards, I would need to win $ 15,000 in purchases each year to receive a Free night award worth up to 50,000 points. Note that certain hotels have mandatory resort charges.

The information for the Marriott Bonvoy Bountify card has been independently collected by the type of points. The details of the card on this page have not been reviewed or provided by the card issuer.

Expenditure category bonds

In addition to annual awards and elite night loans, having a personal and commercial brown card can help you win more points in several expenses categories. The four Marriott cards earn 2 points per dollar spent on daily spending and 6 points per dollar spent on hotels participating in the Marriott Bonvoy program (with the exception of the non -annual task Marriott Bonvoy Bold® credit card (see rates and rates); See the details below.

Related: Which Marriott Bonvoy credit card is suitable for you?

But it is the other bonus categories, most of which do not overlap, which can help you maximize your profits:

• Marriott Bonvoy Bevy American Express Card: Win 4 points per dollar spent in the first $ 15,000 of purchases combined in restaurants around the world and US supermarkets each calendar year (then 2 points per dollar after that). Bonvoy Bevy Amex presents an annual $ 250 rate (see rates and rates).
• Marriott Bonvoy Bold Ced Lets: GAN 2 points per dollar spent on groceries, transport services, food delivery, selected transmission, Internet, cable and telephone services and 1 point per dollar spent on all other purchases.
• Marriott Bonvoy Unlimited Credit Card: Win 3 points per dollar spent on the first $ 6,000 spent on combined purchases each year in service stations, supermarkets and meals (then 2 points per dollar spent after that).
• MARRIOTT BONVOY BOUNTIFUL CARD: Win 4 points per dollar spent in the first $ 15,000 in combined purchases in grocery stores and dinner each year (then 2 points per dollar spent after that).
• Marriott Bonvoy Brilliant American Express Card: Gane 3 points per dollar spent on restaurants in restaurants around the world and on flights directly with airlines. Bonvoy Brilliant Amex presents an annual rate of $ 650 (see rates and rates).
• Marriott Bonvoy Business American Express Card: Win 4 points per dollar spent on purchases in restaurants worldwide, US service stations, wireless telephone services purchased directly from US service providers and US shipping purchases. UU. The bonvoy business amoex presents an annual rate of $ 125 (see rates and rates).

So, if you are a great Marriott fan and want to focus your profit strategy only at the points of Bonvoy, you can have several cards and enjoy profit rates in several categories.

Related: Are you eligible for a new Marriott Bonvoy card? This graphic tells you that yes or not

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Marriott has made it much easier to qualify for elite status by allowing customers with personal and commercial credit cards to win two elite night credits series every year. In fact, many TPG employees began 2024 with 40 elite night loans. When he adds this to the annual certificates of the Night of Awards on these credit cards, it is practically obvious to have a personal and presentation card in his wallet.

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Apply here: Marriott Bonvoy Bevy American Express Card
Apply here: Marriott Bonvoy Bold Ced Lets
Apply here: Marriott Bonvoy Unlimited Credit Card
Apply here: Marriott Bonvoy Brilliant American Express Card
Apply here: Marriott Bonvoy Business American Express Card

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For rates and rates of Marriott Bonvoy Brilliant Amex, click here.
For rates and rates of Marriott Bonvoy Bevy Amex, click here.
For Marriott Bonvoy’s business rates and rates, click here.