I HATE The Marriott Credit Cards… (Here’s Why)

I strongly dislike the Marriott credit cards from Chase and American Express for many reasons. The welcome bonuses, spending categories, free night awards, elite status, and many restrictions make these cards easy to stay away from. Not even the Bonvoy Brilliant or Ritz-Carlton cards are exciting for me. I'm always open to having my opinion changed, but that's how I feel right now.
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[@JacobsPointsAndProfit]

Please don't send this video to my cousin. He applied for the Bevy 6 months ago 😳

[@Cody.Little]

I think you just convinced me to fully move to IHG 😂 (based off point value, I’ve recently noticed Marriott point redemptions are trash too) I’m still gonna get the ritz card for sapphire lounge access, protections, and that it’s easy to make up the AF, but otherwise I think I’m gonna be a Hyatt/IHG fanboy. I’ve always wondered why Marriotts multipliers are so bad… no point increase for a $650 card? Wild

[@JacobsPointsAndProfit]

The more I researched the Marriott cards the more I was confused why the multipliers were so low. IHG is way better in my opinion especially with the 4th night free you get when paying points as long as you have their credit card

[@Cody.Little]

@@JacobsPointsAndProfit there’s no reason the $250+ cards aren’t 8x Marriott and the brilliant should be 10x and also 3x on other purchases. I just got the IHG biz premier tho and I’m hyped to try out platinum and stay at some other properties besides HIE 😂

[@hockey1freak]

i have 2 IHG cards and 2 Marriotts, no reason why you cant have both. They all have free nights that cover the fees.

[@paulfelkner6749]

@@JacobsPointsAndProfit I'm IHG Diamond and Marriott Titanium and I can find good value in both programs - IHG does not have many lounges in the states. If you avoid properties where Americans use their corporate earned points (NYC, London, other West European capitals) you will get excellent value in any point system. Intercontinentals are of great value overseas. 33K in Istanbul and 24K in Amman.

[@eduardocaudillo6025]

My new favorite channel to watch regarding credit cards 😂

[@JacobsPointsAndProfit]

Thanks Eduardo! I'm love hearing that

[@RITPA]

I love my IHG Platinum. Only wish Breakfast came with Platinum. Most placed do a complimentary breakfast anyways, so usually not an issue.

[@JacobsPointsAndProfit]

I'm really sad that breakfast doesn't come with Platinum elite. Diamond elite seems so unattainable to get complimentary breakfast

[@Xavier_ID.]

Good stuff man! 👍🏼👍🏼

[@JacobsPointsAndProfit]

Thank you! I feel like I have to make a negative video every once in a while

[@MontyTheCardNerd]

Great points Jacob, never realized how many annoying aspects there were about Marriott and their credit cards. I'm still a fan of the Boundless and Business cards for their subsidized 35k free night but yeah those fees not being waived isn't ideal.

[@JacobsPointsAndProfit]

The Boundless and the Business are better than most of the other cards, but yes there's a lot of annoying things that aren't on other cards

[@keyKEYadventures]

Shots fired at the bevy lol Although I love my 2 Ritz cards, I definitely see all the points you made in this video

[@JacobsPointsAndProfit]

Haha The Ritz card is one of the better ones even though I haven't heavily researched it. I would need to get the Boundless first before I really thought about the Ritz

[@JuanGarcia-hr1wf]

Nice video Jacob. Also saw live with Anthony. So you don't like Marriott cards. What is your preferred Hotel brand?

[@JacobsPointsAndProfit]

Hyatt is my favorite because of how easy it is to transfer Chase points, but IHG has my favorite credit cards

[@JuanGarcia-hr1wf]

@JacobsPointsAndProfit Cool. Personally Hilton is my favorite for my family travel using the Aspire. Hyatt is my backup, in fact have staycation booked at Hyatt Grand Cypress in Orlando for Memorial weekend.

[@trendscatcher]

Well done, Jacobs. Your best video ever. Many cards are grossly over rated. Keep up the good work.

[@JacobsPointsAndProfit]

Thanks!! I might have to make more videos about cards I don't like

[@getsugatenshoFTW]

Great video! I was thinking marriot as a program is mediocre as well. I always seem to have problems connecting to hotel Wi-Fi which makes it really annoying to get work done..yes I can use my hotspot but that’s an inconvenience. I did get the 5 night free offer on the boundless last year and got decent to mediocre hotel stays in LA. I fully intend to upgrade the boundless to a ritz, but I honestly don’t like the card that much considering it doesn’t earn more points than the boundless. I mostly see the ritz as a way to get sapphire lounge access since I don’t see value in holding the reserve. I’m planning to use a sapphire and ritz as a makeshift sapphire reserve that’s $5 cheaper with better lounge access. I would like to get started with IHG due to some of your videos and Grounded Life Finance, but I don’t want to stretch myself too thin and focus on too many hotel programs.. this is tough

[@JacobsPointsAndProfit]

That Wi-Fi issue sounds annoying. I'd absolutely consider getting the Boundless on a 5 free night offer instead of 3 free nights, but 50k points per night only goes so far. The Ritz could be a good one to add if you're wanting Sapphire Lounge access. I enjoyed Grounded Life Finance's videos on IHG and they always seem to find really good value in the budget friendly hotels

[@sharjeelkhan7437]

I ignore the whole Marriott thing. Every thing of Marriott is a huge stress.

[@JacobsPointsAndProfit]

Haha it sounds a lot more complicated than all the other hotel chains

[@krs1905]

I think my money is better spent on other hotel chains if I want to get redemptions. Marriott does have a nice footprint

[@JacobsPointsAndProfit]

Marriott is the biggest for sure so it's sad that I can't find better redemptions

[@jimmyjames6492]

Not a big fan of Marriott either. Thanks for the info + video!

[@JacobsPointsAndProfit]

I wish Marriott had a better loyalty program because of how many properties they have

[@paulfelkner6749]

@@JacobsPointsAndProfit They really have the best reward program with the exceptions of Hyatt that does not have a foot print worth mentioning.

[@RITPA]

I got the Brilliant and did the Ritz Upgrade. I would agree actually. I find I use my Hilton Aspire card much more. Hilton properties tend to be cheaper than Marriott too. I do paid stays more than award stays and the cost adds with Marriott. Even $30/night with taxes can add few hundred to your stay. I've been thinking about downgrading my two marriott cards to no-fee and getting a second aspire.

[@JacobsPointsAndProfit]

Yeah those paid stays can add up. I like Hilton over Marriott because it seems like they have better prices for the lower end hotel and then you can also use your free nights wherever you want without worrying about the 85k point cap

[@Far7rom]

I just got the one with 5 free nights.. seems like a better deal.

[@JacobsPointsAndProfit]

Nice! 5 free nights is a good offer and I'd be happy to apply for these cards with that offer

[@williamfeliciano6003]

what about hilton?

[@JacobsPointsAndProfit]

Hilton cards are definitely better in my opinion than Marriott cards

[@Th33Vultur3]

The only thing I don’t like is that the no annual fee option is on Chase and not also on American Express. You’re out of luck if you’re over 5/24 like I am.

[@JacobsPointsAndProfit]

It does feel weird that there isn't a no annual fee option on American Express. Either you go all in with Marriott and Amex or not at all

[@jsbatra]

Marriott status (at least Gold and Plat) are useless in the US. in Asia they seem to help.

[@JacobsPointsAndProfit]

It seems that internationally hotel status is much better because no one has these credit cards except for us in the USA

[@DCGEMINI202]

I like marriott properties more but i cant deny that the 85k fnc is hard to use at the properties i like. The 50k and below fnc’s are pretty much worthless

[@JacobsPointsAndProfit]

Yeah if you want to stay at top properties those free nights aren't going to great. You can use 15k of your own points, but sometimes that isn't enough

[@DCGEMINI202]

@@JacobsPointsAndProfit yea def not enough. Thats what makes the aspire fnc’s so great. No cap

[@_iErik]

My biggest problem with Marriott cards is that they earn Marriott points, which don’t really have any value for me. If they let me cash out the points earned, then we’d be in business.

[@superflee12]

You can also transfer them to airlines which typically don't have transfer partners e.g. AA or Alaska Air. However, the ratio is pretty bad at 3:1.

[@JacobsPointsAndProfit]

I'm looking more into the 3:1 transfer ratio to airlines and it made me more excited about Marriott points, but the hotel redemptions are priced so high

[@_iErik]

@@JacobsPointsAndProfit I get that, and that's better than just letting them expire (and better value than a lot of marriott hotel redemptions IMO), but it makes the card multipliers rather crap. Effectively 2X at Marriott hotels, 1.3X-1X at grocery gas and restaurants, 1X flights and restaurants, 0.6X travel, 0.6X everywhere else (depending on which card you get). At that point, you'd be better off with BBP, Double Cash, or WF Active Cash for 2X everywhere.

[@verychinnyapga1599]

I hate mine too.

[@JacobsPointsAndProfit]

Which Marriott card do you have?

[@tarrius1210]

WoH and Hilton 🏆 >

[@JacobsPointsAndProfit]

Hyatt is great and Hilton is certainly better than Marriott in my opinion

[@johnmckinstry6057]

For the most part, I do see where you're coming from, Jacob and I agree. I think the welcome offer rules are too complicated for each of the cards. It's also a shame that the best status you can get with the higher tier cards is gold status. The Bevy and the Bountiful cards are almost not worth getting. I will probably eventually get both of them, but I will get them for the welcome offers and then probably cancel them after having them for a year. One advantage of the Bountiful card over the Bevy is the Bountiful card could probably be product changed into a Bold or Boundless card. The Hilton and IHG programs are definitely better!

[@JacobsPointsAndProfit]

Pretty much every card is worth getting for the welcome offers, but the Bevy and Bountiful would need to be running limited time offers for me to consider applying. I like the ability to change the Bountiful into the Bold because I'd probably never apply for the Bold because of Chase 5/24. Thanks for sharing!