Two Hotel Credit Cards To Consider Instead Of Marriott’s New Card

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A few days ago we saw the introduction of the new Marriott Rewards® Premier Plus Credit Card, The card has a welcome bonus of 100,000 Marriott Rewards bonus points after spending $5,000 within three months, which is a generous bonus. I value Marriott Rewards points at ~0.8 cents each, so to me those points are worth $800.

The card has a $95 annual fee, and offers lots of perks that more than justify that, in my opinion, including a free night award on your account anniversary every year (which can be used at a property costing up to 35,000 points per night) as well as 15 elite qualifying nights towards status every year.

However, this card isn’t for everyone:

  • Marriott has credit card agreements with both American Express and Chase, so you have lots of cards to choose from, and another card may work better for some
  • You’re not eligible for the new Marriott Premier Plus Card if you currently have the Marriott Rewards Premier Card, or received a new cardmember bonus on that card in the past 24 months (those with the Premier Card can upgrade to this card, but won’t receive the full welcome bonus when they do that)
  • The card is subjected to the 5/24 rule, meaning you typically won’t be approved if you’ve opened five or more new card accounts in the past 24 months

With that in mind, I think it’s worth recapping some two of the other Chase hotel credit cards that also offer anniversary free night certificates, are potentially easier to be approved for, and for many, will offer an all around better rewards structure.

The value in the new IHG Rewards Club Premier Card

For some people, the IHG® Rewards Club Premier Credit Card may end up being all around more rewarding, and also easier to be approved for. This card isn’t subjected to the 5/24 rule, meaning that you’re eligible even if you’ve opened five or more new card accounts in the past 24 months. Furthermore, unlike with Marriott, you are eligible for this card even if you have the other version of the IHG Card, which has since been discontinued.

What makes this $89 annual fee card special?

  • It offers a welcome bonus of 80,000 IHG Rewards Club points after spending $2,000 within the first three months, which is a very achievable spend threshold, plus a further 5,000 points for adding an authorized user and having them make their first purchase within that same timeframe
  • It offers an anniversary free night certificate valid at any hotel that retails for up to 40,000 IHG Rewards Club points per night, which covers over 95% of IHG properties
  • It offers a fourth night free on award redemptions, which can save you up to 25% on the cost of an award
  • It offers IHG Rewards Club Platinum status for as long as you have the card, which offers bonus points and room upgrades
  • It offers a $100 TSA Pre-Check or Global Entry fee credit once every four years


Redeem your anniversary free night certificate at the InterContinental Bangkok

The Hyatt Credit Card continues to be awesome

Given that we’ve seen devaluations to some hotel credit cards lately, I think it’s worth pointing out that The Hyatt Credit Card is as good as ever. Much like the IHG® Rewards Club Premier Credit Card, the card isn’t subjected to the 5/24 rule, so you can be approved even if you’ve opened five or more new card accounts in the past 24 months.

What makes this $75 annual fee card worthwhile?

  • It offers a welcome bonus of 40,000 World of Hyatt points after spending $2,000 within the first three months, plus a further 5,000 points for adding an authorized user and having them make their first purchase within that same timeframe; I value World of Hyatt points at ~1.5 cents each, so to me that’s like a bonus worth $675, which is great
  • It offers an anniversary free night certificate valid at any Category 1-4 World of Hyatt property, which covers a vast majority of properties; best of all, as of this year that night even counts towards status
  • It offers Discoverist status for as long as you have the card, and Explorist status when you spend $50,000 on the card in a calendar year


Redeem your anniversary free night certificate at the Park Hyatt Saigon

Bottom line

Personally I think the new Marriott Rewards® Premier Plus Credit Card is worth it for the great sign-up bonus and the anniversary free night certificate. However, the card is subjected to 5/24, those with the Marriott Premier Card aren’t eligible for it, and not everyone will find it as worthwhile as I do.

If you are looking for another Chase hotel card, it’s hard to go wrong with either The Hyatt Credit Card or the IHG® Rewards Club Premier Credit Card, both of which offer great sign-up bonuses, anniversary free night certificates, and aren’t subjected to 5/24.

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Comments

  1. “Marriott has credit card agreements with both American Express and Starwood”

    Think you you American Express and Chase, right?

  2. None of the hotel cards will give a 2% return on non bonus spending. So, after August 1st I will change my non bonus spending from the SPG to a 2% cash back card.

  3. When a card is not “subject to 5/24,” will it still be counted as a card for another Chase card that is subject to 5/24?

  4. I realize that the cost to acquire Hyatt points and Marriott/IHG points is different, but I’m kind of feeling like I’ll be switching my spend back to Chase to get Marriott points. At the end of the day I don’t rely too heavily on points to book flights, but I do rely on points to book hotel rooms. Being loyal to SPG, I feel like the best way to get Marriott points is to spend with Chase and maximize the various bonus categories. I know I’ll be getting less value than spending, say, on the SPG Amex, but long-term I feel like this is the best option. Anyone have any other suggestions?

  5. Can you open the new IHG Rewards Club Premier Card if you already have the old IHG card?

  6. Any update on when the SPG Personal Amex will start offering a better sign-up bonus? Saw the reports saying they would a few weeks ago but no actual announcement seemed to follow.

  7. Easier to be approved for? I just got rejected for IHG premier with a 800+ credit rating. Chase said I had too many cards, which sure sounds a lot like a 5/24 denial.

  8. Lucky, I have both the SPG and Marriott credit cards. I received the annually 5 nights credit from the SPG card already. My Marriott card will have the credit posted in November this year, after the two programs are merged. Will I get a total of 20 nights credit or just 15 nights in 2018? Thanks.

  9. Let’s have some honesty. All 3 programs have had massive devaluations in recent years, so loyalty points with any of the 3, including points from sign up bonuses, are worth a lot less than they used to be worth.

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