Marriott recently introduced two new credit cards and made significant changes to a couple of existing cards. See this post for full coverage. Suddenly, you might be considering signing up for a new card. But if you’ve ever signed up for any Marriott card in the past, chances are very good that you are blisteringly baffled by Bonvoy’s byzantine card bonus rules. Are you eligible for a new card bonus? The answer depends upon which cards you have now, which you’ve had before, when you signed up, when you canceled, and the color of the moon.
What follows is my best attempt to simplify the rules…
All-in-one Eligibility Matrix
This display visually shows the rules as I understand them:

Hoping to get a Chase Marriott card?
Here are the currently available Chase Marriott cards:
Card Name w Details & Review (no offer) |
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$95 Annual Fee Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees. Big spend bonus: Earn Gold status when you spend $35K each year ✦ 1 Elite Night Credit towards elite status for every $5K spent Noteworthy perks: ✦ Annual free night certificate for 1 night at a hotel redemption level up to 35K ✦ Automatic Silver status ✦ 15 nights of elite credit each year ✦ 1 Elite Night Credit for every $5K spent ✦ $10 monthly GoPuff credit (through 12/31/23) See also: Marriott Bonvoy Complete Guide |
$250 Annual Fee Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status ✦ $10 monthly GoPuff credit (through 12/31/23) See also: Marriott Bonvoy Complete Guide |
FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks No Annual Fee Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X travel ✦ 1X everywhere else Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees. Noteworthy perks: Automatic Silver status ✦ 15 nights of elite credit each year ✦ $10 monthly GoPuff credit (through 12/31/23) See also: Marriott Bonvoy Complete Guide |
In order to get accepted to any of the Chase cards, you must not only satisfy the Marriott specific rules shown in the chart near the top of this post, but you must also be under 5/24:
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
Hoping to get an Amex Marriott card?
Here are the currently available Amex Marriott cards:
Card Name w Details & Review (no offer) |
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$125 Annual Fee Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees. Big spend bonus: Earn an additional 35k free night certificate (can be topped-up with up to 15k additional points, subject to resort fees) after you spend $60K on purchases in a calendar year Noteworthy perks: Complimentary Marriott Gold elite status ✦ 7% discount off the standard rate for a standard room at participating hotels when you book direct (Terms and Conditions apply) ✦ 15 Elite Night Credits each calendar year ✦ 35k Free Night Award every year after card renewal (subject to resort fees) ✦ Complimentary premium Internet access at Marriott properties ✦ Terms Apply (Rates & Fees) See also: Marriott Bonvoy Complete Guide |
$250 Annual Fee Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees. Big spend bonus: One 50K Free Night Award after $15K calendar year spend. Noteworthy perks: 15 night credit towards elite status every year upon account anniversary ✦ 1,000 bonus points with each qualifying stay ✦ Gold elite status See also: Marriott Bonvoy Complete Guide |
FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers $650 Annual Fee Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign transaction fees. Big spend bonus: Annual Choice Award with $60K calendar year spend Noteworthy perks: ✦ 85K Free Night Award each year upon renewal ✦ $300 dining credit per membership year ($25/mo) ✦ Platinum Elite status ✦ 25 elite nights credit ✦ Priority Pass membership (Lounges only) with 2 guests ✦ Global Entry fee credit ✦ Free premium internet at Marriott properties Note: Enrollment required for some benefits. See also: Marriott Bonvoy Complete Guide |
In order to get accepted to any of the Amex cards, you must not only satisfy the Marriott specific rules shown in the chart near the top of this post, but you must also have fewer than 5 or 6 Amex credit cards:
Real World Example
Let’s take a real world example to show how to use the eligibility matrix above. A reader wrote the following:
My husband and I both have the Marriott Bonvoy boundless cards and got them February 2020 and April 2020. I want to upgrade both of us to the Ritz and it seems like waiting until our anniversary date would be best. I swear I read somewhere that we should get the Marriott amex cards first because we won’t ever be able to get them after that. Is that correct?
Now take a look at the eligibility matrix. If the couple upgrades to the Ritz card, they would suddenly be subject to the 30! warning:
By looking at the eligibility key, you can see what that 30! warning means:
Once the couple has the Ritz card, they won’t be eligible for the two consumer Amex cards. The only way they would become eligible is to cancel or downgrade the Ritz card and wait 30 days.
So, should they sign up for one of the Amex cards first, like the Bonvoy Brilliant? Are they eligible? By looking at Bonvoy Brilliant column under “Card You Want” and then scanning down to the card they have (Bonvoy Boundless), you see the “90 24!!” warning. This couple would not be eligible for the Bonvoy Brilliant card if they were approved in the past 90 days or if they’ve received a welcome bonus in the past 24 months for the Boundless card. They’re probably just past the 24 months, so they’re safe on both scores but it is worth checking their Marriott account history to see when their welcome bonuses posted.
So, short answer: yes this couple could get the welcome bonus for the Bonvoy Brilliant, but only if they sign up for it before upgrading to the Ritz card.
Product Eligibility and Bonus Eligibility Terms
The following terms are copied directly from each Marriott card’s signup page…
Chase Bonvoy Bold
This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.
The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy™ American Express® Card.
Chase Bonvoy Boundless
This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.
The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy™ American Express® Card.
Chase Bonvoy Bountiful
This credit card is not available to you if (1) you currently have this card or (2) you received a new Cardmember bonus for this card within the last 24 months.
The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days, (2) you applied and were approved for any of the following cards within the last 90 days, or (3) you received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy® American Express® Card, Starwood Preferred Guest® Credit Card from American Express, Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy™ American Express® Card.
Amex Bonvoy Business
Welcome offer not available to applicants who have or have had this product or the Starwood Preferred Guest® Business Credit Card from American Express. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.
Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business® Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Bountiful™ Credit Card from Chase, Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase.
Amex Bonvoy Brilliant
Welcome offer not available to applicants who have or have had this product or the Starwood Preferred Guest® American Express Luxury Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.
Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from JPMorgan or the J.P. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.
Amex Bonvoy Bevy
Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.
Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from JPMorgan, the J.P. Morgan Ritz-Carlton Rewards® Credit Card, the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy® Premier Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, or the Marriott Bonvoy® Premier Plus Business Credit Card from Chase or the Marriott Rewards® Premier Plus Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.
