Which credit card to use in Marriott Bonvoy properties ?
In the milesopedia community, there is a question that comes up frequently:
Which credit card should I use in Marriott Bonvoy establishments?
In comparison, the two Marriott Bonvoy credit cards “only” allows you to earn 5 Marriott Bonvoy points per dollar for all expenses at Marriott Bonvoy properties:
Except we forget the combination of Marriott Bonvoy credit cards with the points brought by the Marriott Bonvoy program!
10 Marriott Bonvoy points per US dollar spent
The Marriott Bonvoy program allows its members to earn 10 Marriott Bonvoy points per US dollar spent on its properties.
And members with status have a bonus of 10% to 75% in points!
To simplify things, this table show you how many points you’ll earn per US dollar spent based on your status.
|Status||Bonus||Points per US dollar|
|Silver Elite||10%||11 points|
|Gold Elite||25%||12.5 points|
|Platinum Elite||50%||15 points|
|Titanium Elite||75%||17.5 points|
|Ambassador Elite||75%||17.5 points|
Let’s take the example of a $500 US hotel bill paid with your Marriott Bonvoy credit card that earns 5 Marriott Bonvoy points per CA dollar.
Knowing that the amount displayed on your credit card is in Canadian dollars and that American Express uses this amount to award your points, let’s convert at the rate of US$1 = CA$1.35
So our purchase of US$500 will be brought in at CA$675 and will earn 3.375 Marriott Bonvoy points (5 points per dollar).
|Silver Elite||5,500||3,375||8,875 points|
|Gold Elite||6,250||3,375||9,625 points|
|Platinum Elite||7,500||3,375||10,875 points|
|Titanium Elite||8,750||3,375||12,125 points|
|Ambassador Elite||8,750||3,375||12,125 points|
In short, our CA$675 spend at a Marriott Bonvoy property, carried on a Marriott Bonvoy credit card earns between 8,375 and 12,125 points depending on status.
Knowing that we value the Marriott Bonvoy point at $0.009, it’s a gain between $75 and $109 on a purchase of $675 CA$.
The return is 11% to 16%!
Other expenses in the establishment
And the principle will be the same for all other expenses made at a Marriott Bonvoy property such as:
- restaurant bills
- drinks at bars
- Activities billed by the establishment
- spa treatments
Charge it to your room so Marriott Bonvoy can award you the points!
If you use a card like the American Express Cobalt™ Card to pay at the hotel restaurant or bar, you miss this great opportunity to earn Marriott Bonvoy points!
Reminder of the Marriott Bonvoy's card features
The two Marriott Bonvoy credit cards are quite similar in their features. They both offer:
- 5 points per dollar of purchases at participating Marriott Bonvoy properties
- 2 points per dollar of purchases everywhere else
- one free night per year worth up to 35,000 points on each anniversary of the account
- Silver Elite status
- 15 Elite Nights in calendar year
The version for self-employed, professionals and small business owners, the Marriott Bonvoy™ Business American Express® Card stands out with an additional feature:
- 3 points per dollar spent on gas, meals and travel
So it will be an interesting card to get if you make a lot of purchases in these categories.