Rules to Know for Chase Marriott and Amex SPG Cards: "One Lane Rule" (Signup Bonus Restrictions)

Starting August 26, 2018, new rules will be implemented for the Chase Marriott and Amex SPG cards. Most people are speculating that the implementation will be on Marriott's side and link loyalty program numbers to ensure consumers aren't stacking multiple benefits.

In this post, we'll cover each card and bonus eligibility rules. 

Amex SPG (Personal)

You will not be eligible for the signup bonus if...

  1. Have or had (last 30 days): any Marriott card 
    • Chase Marriott Rewards, Chase Marriott Rewards Premier Plus, Chase Marriott Rewards Premier Business
  2. Have or had the Amex SPG Personal (Amex once in a lifetime rule)

Amex SPG Business

Not eligible for the bonus if...

  1. Have or had (last 30 days): Chase Marriott Premier Business
  2. Have or had (last 90 days): Chase Marriott Rewards, Chase Marriott Rewards Premier Plus
  3. Signup bonus (last 24 months): Chase Marriott Rewards, Chase Marriott Rewards Premier Plus
  4. Have or had the Amex SPG Business (Amex once in a lifetime rule)

Amex SPG Luxury

Not eligible for the bonus if...

  1. Have or had (last 30 days): Chase Ritz-Carlton
  2. Signup bonus OR upgrade (last 24 months): any Marriott
  3. Added (last 90 days): any Marriott

One important note is that if you accepted the upgrade offer for the Chase Marriott card (Marriott Rewards -> Marriott Premier Plus), you will not be eligible for the Amex SPG Luxury bonus. 

Chase Marriott

Not eligible for the bonus if...

  1. Have or had (last 30 days): Amex SPG (Personal)
  2. Have or had (last 90 days): Amex SPG Business or SPG Luxury
  3. Signup bonus or upgrade (last 24 months): Amex SPG Business or SPG Luxury

Chase Marriott Business

Not eligible for the bonus if...

  1. Have or had (last 30 days): Amex SPG (Personal)
  2. Have or had (last 90 days): Amex SPG Business or SPG Luxury
  3. Signup bonus or upgrade (last 24 months): Amex SPG Business or SPG Luxury

Optimal Strategy

I'm not a fan of how the new bonus eligibility rules "punishes" people who took the Marriott upgrade offer. It locks them out of getting the Amex SPG Luxury signup bonus for 24 months. 

Based on the new rules, it seems like Marriott wants you to pick either Chase or Amex. With that said, let's look at the most optimal strategies. 

Option #1: Marriott

If you don't want the new Amex SPG Luxury card, apply for both the Chase Marriott Premier Plus and the Chase Marriott Premier Business.

The Chase Marriott card is affected by the Chase 5/24 rule. By getting a Marriott card, you'll be locked out of the Amex SPG signup bonuses.

Option #2: Amex SPG

If you go down the SPG route, it's possible to receive 3 signup bonuses: Amex SPG, Amex SPG Business, and Amex SPG Luxury.

The Amex SPG card just reintroduced a 75,000 point signup bonus, but the points are Marriott points, and not SPG. This means that once you covert the points, the signup bonus is equivalent to 25,000 SPG points. 

As a reminder, American Express cards have a once in a lifetime rule, so you'll want to wait for an increased signup bonus. 



Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

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