Reply
New Contributor
Posts: 79
Registered: ‎11-07-2012
0

Chase Marriott

[ Edited ]

Well it sounds like the Chase Marriott might actually be a better card after some research. I fear not being approved for either though.

 

Didn't mean to make a separate topic on this sorry! I'm on my iPhone, honest mistake Smiley Tongue

Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Chase Marriott

I just saw their sign up bonus... seems like a good deal


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Highlighted
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Chase Marriott

Whether or not it's a better card really depends on your travel and spending patterns.

 

If there is a Hyatt in the places that you like to visit, you'll get more value out of the signup bonus and annual free night. 50,000 points for the Marriott card will get you 2 nights at a category 5 hotel (out of 8), which isn't bad but isn't spectacular. With the Hyatt card you'll get 2 free nights anywhere, including category 6 (which is Hyatt's top hotels). Regarding the annual free night for each, Category 4 Hyatts are usually much nicer than Marriott Category 5s IMO.

 

The Hyatt card is also better for actual spending since the earning structure is almost identical, but Hyatt points are worth a lot more given the redemption costs. The Marriott card does have its merits, especially if you have any loyalty to the chain and/or need the elite night credits. Marriott also has a much bigger portfolio of properties: 3,700+ worldwide compared to Hyatt's 400 or so.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
New Contributor
Posts: 58
Registered: ‎04-15-2012
0

Re: Chase Marriott

[ Edited ]

Just get an SPG Amex, if you go anywhere where there are Starwood properties (Westin, W, St Regis, Sheraton, and a couple of others) - even with the depreciation in points (hotels moving up categories), the points are still worth more than any other hotel card (I value them conservatively at 2.5c, more than that if you use cash and points to pay, and use the SPG as "cash", you get 4 points/dollar). Starwood doesn't use capacity controls, either. Points are as good as cash (not so with Hilton, I don't know about Marriott or Hyatt).

It's also one of the best airline cards (after the British Airways and the one that offers a 70k signup bonus) - you can transfer miles at the rate of 1 Starpoint = 1.25 miles to pretty much every airline in and around the United States, and quite a few overseas ones. It has a 25k point signup bonus, which is enough for a free coach domestic trip and two nights in a $150 hotel, or for two nights in a category five hotel (generally around $400), without using cash and points. With cash and points, you could stay two nights at the St Regis Rome for under $250 (worth $440 a night during off-season on Orbitz), and make 1000 Starpoints for paying the "cash" portion with the SPG.

And you can get the 50% off "rack rate" (walk-in desparate or dumb tourist price) vouchers for 1k Starpoints (which is subject to capacity controls), which actually can work well if you stay at a $800+ rack rate hotel, which has, say, $550 Orbitz or Priceline rate ($400 at 50% off rack rate, $150 savings for 1000 points = 15%) - some people have wrangled an effective rate of 30%+ cash back using them, and it's pretty common to hear of getting 10%. Even Flyertalk people will jump at the opportunity to buy Starpoints for under 2c.


Goal: 760 by End of Year
Current Score: 714 TU (2-3/12); 681 EQ (2-3/12); 714 EX (AmEx Pull: 2-7/12); 777 VantageScore (2-3/12)
AmEx BCE ($4k) - AmEx SPG ($7.5k) - Amex PRG (NPSL) - Citi Forward ($7.6k) - Discover IT ($3k) - BankAmericard Cash Rewards ($5k)
Chase Freedom ($1k) - Chase Amazon ($3k) - PayPal Extras ($6k) - Cap One Cash ($0.5k) - Amazon Store ($2.5k)

Application-Free Since the 14th of the Second May of 2012.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.