Marriott recently announced the upcoming changes to their loyalty program, Bonvoy. There’s a lot of information to digest like rebranding cards, new cards, status, and key dates.
Marriott Bonvoy Credit Cards
The Marriott/SPG credit cards are getting revamped with new names, and some cards will no longer be available. The first section in the spreadsheet below outlines the card issuer, the old card, new card, and when they’ll be available or discontinued.
Changes to highlight are that the Starwood Preferred Guest® Credit Card from American Express and the Marriott Rewards Premier Plus Business Credit Card will no longer accept applications on Feb 12, 2019.
A few key changes take place each month until the full rollout of the Bonvoy program.
February is the most eventful month because some cards will no longer accept new applications, and other cards will introduce a 100,000 point welcome offer.
Feb 12, 2019
Amex SPG and the Marriott Rewards Premier Plus Business card will no longer accept new applications.
Feb 13, 2019
Marriott Bonvoy Brilliant American Express card (formerly Amex SPG Luxury) and the Marriott Bonvoy Business™ American Express® card (formerly Amex SPG Business) will introduce a 100,000 point welcome offer.
Marriott Bonvoy Business™ American Express® card
Feb 28, 2019
Marriott Bonvoy Boundless™ Credit Card (formerly Chase Marriott Rewards Premier Plus) will introduce a 100,000 point welcome offer.
Marriott Bonvoy Boundless™ Credit Card
One March 28, the annual fee for the Marriott Bonvoy Business™ American Express® (formerly Amex SPG Business) card will increase to $125.
If you are planning on getting the Amex SPG Business card, the optimal strategy would be to apply between Feb 13 - March 27 since the welcome offer will increase to 100k points on Feb 13, and the annual fee increases on March 28.
Why apply before March 28?
The $95 annual fee is waived Year 1
The annual fee is Year 2 is $95
Annual fee in Year 3 is $125
On April 24, the increased 100,000 point offers for the Marriott Bonvoy Boundless™ Credit Card (formerly Chase Marriott Rewards Premier Plus) and the Marriott Bonvoy Business™ American Express® Card (formerly Amex SPG Business) will end.
Who is Eligible for the Welcome Offers?
If you have opened more than 5 credit cards or charge cards from any credit issuer in the past 24 months, you will not be eligible for the Chase Marriott cards.
“One Lane Rule”
Pick either Chase or Amex cards, but not both for welcome offers.
If you apply for the Chase Marriott Rewards Premier credit cards, you will not be eligible for the welcome offers from Amex SPG cards, vice versa.
More details in this post: https://www.asksebby.com/blog/rules-to-know-for-chase-marriott-and-amex-spg-cards-signup-bonus-restrictions
Q1. Why would American Express relaunch the SPG cards in August 2018, and then stop taking new applicants less than a year later?
A: I’m speculating that it wasn’t by choice and there were contracts in place that Amex had to fulfill. Q1 2019 was probably the when the contract expired. Think of it like a divorce and the two credit issuers have to work together.
Economy ($0) = no prior card
=> Chase Bonvoy (new card!)
Premium ($95) = Chase Marriott Rewards Premier Plus
=> Marriott Bonvoy Boundless™ Credit Card
Super Premium ($450) = Amex SPG Luxury
=> Marriott Bonvoy Brilliant American Express Card
Business ($95 to $125) = Amex SPG Business
=> Marriott Bonvoy Business™ American Express® Card
Q2: Will American Express raise the annual fee for the Amex SPG card (Amex Bonvoy)?
A: I don’t think the annual fee is going to increase to keep existing cardholders happy.
Q3: Will Amex remove the free anniversary night for the SPG/Bonvoy cards?
A: Again, I don’t think Amex will make negative changes to keep existing cardholders happy.
Q4: Can you “double dip” the new Bovoy cards? Are they new products?
A: No, you won’t be able to double dip the new Bonvoy cards since it’s a revamp of existing cards, and not new credit cards.
Chase is also clamping down on applications with a pop-up that notifies you if you’re eligible for the welcome offer or not.
Q5: Is the Chase Ritz-Carlton card coming back?
A: No, I don’t think the Ritz-Carlton credit card is coming back because the luxury cards don’t fall in line with the Chase side of products. Super premium and luxury cards are on the American Express side.
Q6: What about the Canada/UK Amex SPG cards?
A: Amex SPG cards from other countries are likely not affected because Amex isn’t “fighting” with another credit issuer for the Marriott co-branded cards. However, I wouldn’t be surprised to see a rebranding to Bonvoy cards for consistency.
Q7: Why not get Hilton credit cards instead?
A: I’m collecting hotel credit cards that offer a free anniversary night each year in order to stack them. I have both Amex SPG and Hilton cards.
Choose the system that works for you based on spending multipliers, free nights, reward availability, and hotel status.
Q8: Why not use Amex Fine Hotels & Resorts? Or Chase Luxury Hotel & Resorts Collection?
A: I personally haven’t found value in the benefit since the prices listed are more than I’m willing to pay out of pocket. I would rather use points if the price is more than $200. Your mileage may vary.
Q9: Will the “One Lane Rule” continue with the Bonvoy cards?
A: I’m guessing yes, but we won’t know for sure until the rollout happens.
Q10: What about Downgrading to the Amex Bonvoy? and upgrading to the Chase Ritz-Carlton?
A: Until there are data points, it’s unclear if you can upgrade/downgrade the Amex Bonvoy cards.
Regarding the Chase Ritz-Carlton card, it is possible to upgrade to the card if you have a Chase Marriott Rewards Premier card that is more than 1 year old. If you’re in this boat and you want the Ritz card, I recommend product changing it ASAP before the Bonvoy program is fully implemented.
Q11: Will any of the cards be made of METAL?
A: Yes, the Amex Marriott Bonvoy Brilliant card is a metal card.
No changes to point multipliers have been announced yet. Below is a chart of the current Chase/Amex cards and their respective point multipliers.
Other Benefits and Credits
The Chase Ritz-Carlton and the Marriott Bonvoy Brilliant American Express card will also get a $100 luxury credit (unlimited use) only for St. Regis and Ritz-Carlton paid stays of 2 nights or longer (must use code).
The $100 credit can be used towards dining and spa purchases.
Marriott Bonvoy Loyalty Program Status
For most people, obtaining status through credit cards will earn Silver, Gold, or Platinum status depending on the card you have.
Titanium and Ambassador status has to be earned through stays.
Earn Silver status by obtaining any Bonvoy card
10% bonus points
Earn Gold status by obtaining:
Amex SPG Luxury (Brilliant)
Any Bonvoy card with $35k in spend
25% bonus points
2 pm late check-out when available
Earn Platinum status by spending $75k in one calendar year on either the Chase Ritz-Carlton card or the Amex SPG Luxury card (Brilliant)
50% bonus points
4 pm late check-out when available
Room upgrades, including suites, when available
Breakfast or welcome gift
Executive lounge access at select properties
The elite qualifying nights from the Bonvoy cards do not stack. For example, if you have the Amex SPG and an Amex SPG Luxury cards, you can’t stack the elite qualifying nights to earn higher status.
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.
UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.