Wednesday, April 7, 2021

Amex Limited time offers (marriot)

 Amex has released some great limited time offers. I advise you to click here to see if any appeal to you. This post is about the Marriott cards. The Marriott portfolio is split between amex and chase. Amex issues a "luxury" consumer card with an annual fee of $450 and a business card with a $125 annual fee. 

Marriott Bonvoy Brilliant American Express® Card

The opening bonus on this card is currently 125,000 Marriott points if you spend $5,000 in eligible purchase in the 1st 3 months and $200 back at us restaurants. This offer can end at any time. This card comes with a $300 credit at participating Marriott hotels. If my referral link doesn't  show this offer then I advise you to apply through amex straight. (usually referral links show better offers with amex. Occasional this is not the case) The card earns 2 points per dollar and earns 3 points for the categories of dining and flights booked directly with airlines. It earns 6 points for spending with Marriot. We don't suggest using this card for everyday spend (or any Marriott card). Valuing points is completely suggestive but as far as I know buying Marriott points at the time of this posts from a broker cost at the most $.007 per point sock for everyday spending you will be getting 1.4% back that you can only use at Marriott obviously not very good. Unless you have a specific goal in mind that will give you a better valuation. I think you could probably get a cent in high season. For this you could spend with a freedom unlimited and instantly get 1.5% back. If transferred to a sapphire it can be worth up to 2.25 and even more if transferred to an airline or hotel.For the opening bonus it depends if you have a good redemption in mind. Keep in mind that for Marriott cards you can only get one bonus per 24 months across all cards and for Amex you (unofficially) cant have more than 4 credit cards. This card also counts for 5/24 for chase.

Amex Marriot Business card

This card has a limited time offer of 100,000 points for spending $5000 in the 1st  3 months also it includes a $150 credit which offsets the first year annual fee.
This card earns 2 points per dollar ,4 points for us gas stations shipping and wireless service providers and 6 points for spending at Marriott. Like I said before it is generally not worth doing your everyday spending on.

Other considerations

These cards also have certain bonuses for threshold for spend and  status for just having the card. From what I understand status at Marriott doesn't  guarantee you anything. The free night for spending on the business card is caped at 35,000 points. The free nights you get for just having the consumer or business card for more than a year are capped at 50,000 points and 35,000 points respectively. If you can find good hotels at that rate then you may find it worthwhile to open these cards. Just keep in mind that Marriott is notorious  for making their desirable hotels cost more points every year. Also keep in mind that chase and amex points can be transferred to Marriott so if you earn 2 amex points for spending with the blue business cash you could always transfer  it if its worth it. There are other benefits like tsa credits and insurance that you should do your won research to see if it adds value to you. 
 

 


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