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Since last week, Marriott Rewards and Starwood Preferred Guest are letting members link accounts, which includes the option of transferring Starpoints to Marriott Rewards at a 1:3 ratio, and vice versa. This can be a very useful transfer ratio in both directions, depending on what you’re trying to do.
When this functionality went live I wrote about seven new opportunities that now exist thanks to the ability to link accounts. One of those opportunities is the ability to maximize points earned through credit cards even further.
SPG members can earn ~29,000 Starpoints
The Marriott Rewards® Premier Credit Card has a sign-up bonus of 80,000 Marriott Rewards points after spending $3,000 within three months, plus an additional 7,500 bonus points when you add the first authorized user and they make a purchase in the first three months. That’s a total of 87,500 Marriott Rewards points.
Once you earn those points you can always convert them into Starpoints at a 3:1 ratio, potentially making that sign-up bonus worth ~29,200 Starpoints. That’s a bigger sign-up bonus than what’s being offered on the Starwood American Express at the moment.
Furthermore, this is a card that’s worth holding onto long term, given that it offers an annual free night certificate valid at a Category 1-5 property, which more than justifies the annual fee, in my opinion.
However, do keep in mind that getting approved for some Chase cards can be somewhat tough, assuming you’ve opened more than five card accounts in the past 24 months.
Redeem your Starpoints at the St. Regis San Francisco
Marriott Rewards members can earn 75K+ Rewards points
Starwood has some great co-branded credit cards, each of which allows you to earn 25,000 bonus Starpoints after completing minimum spend:
- The Starwood Preferred Guest® Credit Card from American Express is offering a sign-up bonus of 25,000 Starpoints after spending $3,000 within three months
- The Starwood Preferred Guest® Business Credit Card from American Express is offering a sign-up bonus of 25,000 Starpoints after spending $5,000 within three months
Upon completing the minimum spend you could convert those 25,000 Starpoints into 75,000 Marriott Rewards points. So if you get both cards, that’s potentially 150,000 Marriott Rewards bonus points.
There are a few reasons I mention this:
- People tend to apply for hotel credit cards that align with their hotel preferences, so I know plenty of Marriott Rewards members haven’t previously signed up for Starwood’s co-branded credit cards
- Anecdotally these cards are significantly easier to get approved for than the Chase Marriott Card, not just if you’ve opened more than five cards in the past 24 months, but also just in general; getting approved for the business card shouldn’t be tough either
- We don’t know how much longer any of these cards will be around, as the future of the “new” Marriott’s credit card portfolio is unknown; they could go with American Express or they could go with Chase
- Keep in mind that these cards offer one Starpoint per dollar spent, meaning this is an opportunity to earn three Marriott Rewards points per dollar spent on the card
- In practice you can apply for both the SPG Personal Amex and SPG Business Amex same day; there’s a chance one application will be delayed a few days for processing, but there’s no downside to you for that
Redeem your Marriott Rewards points at the Ritz-Carlton Hong Kong
The SPG Personal Amex and SPG Business Amex are an easy way to pick up 75,000+ Marriott Rewards points per card. They’re both quite easy to be approved for, and I realize they’re cards that many Marriott loyalists may not have looked at in the past. Best of all, both of these cards have their annual fees waived for the first year.
Are any Marriott loyalists picking up an SPG credit card now that points can be transferred between accounts?
Non-Affiliate Product Disclaimer: The information for the Marriott Rewards Premier Credit Card has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.