American Express and Chase are both currently offering targeted deals for stays at select Marriott Bonvoy properties. These offers can be combined to maximize savings on a single stay, but it’s important to act quickly as some of these offers have limited timeframes.
American Express is running two offers for its consumer and business cards. The consumer card offer allows users to receive $120 back when they spend $300 or more on select Marriott bookings. The business card offer gives users 20% back on Marriott purchases, up to a maximum of $60. Both of these offers are valid at properties in the U.S. and U.S. territories, Canada, Mexico, and the Caribbean, and only apply to spending on room rates and room charges.
Chase is also targeting cardholders with a separate offer. This offer allows users to earn 5% back on their Marriott Bonvoy stay when they spend $100 or more, with a maximum cash back of $60. Unlike the American Express offers, the Chase offer is not limited to properties in specific regions and can be earned at over 30 brands worldwide.
To maximize savings, it is possible to stack either of the Amex offers with the Chase offer on a single stay, as long as the stay is at a property in the qualifying regions. While hotels typically expect guests to settle their bill with a single card, it should be possible to split the bill between the cards with the offers loaded.
It is worth noting that the Amex offers should be maximized first before charging the rest of the bill to the targeted Chase card. This is because the effective return on the Amex offers is higher than that of the Chase offer.
In terms of the targeted Chase cards, the offer appears to be primarily available for the Ink Business Preferred Credit Card. However, this card earns 3 points per dollar on most travel spending, making it a favorable option for those looking to earn Bonvoy points. The effective return for a card earning 6 Bonvoy points per dollar at Marriott properties is 3.6%, while a card earning 3 Chase Ultimate Rewards points per dollar on most travel spending can yield an effective return of 4.5%.
Ultimately, the best effective rebate may not be guaranteed by using a Marriott co-branded credit card for Marriott spending. It is important to consider the value of each point and choose the card that offers the highest effective return.
In conclusion, if you are planning a Marriott stay at a qualifying property, make sure to load these offers to your cards if you have been targeted. Act quickly to take advantage of the limited timeframes, and consider a strategy to maximize your savings. Even if your stay is at a Marriott property outside of the qualifying regions, you can still use the Chase offer as long as you charge your card by the specified deadline.