topic Re: Chase Marriott card in Credit Cards

Chase Marriott card

red259 — Sun, 09 Apr 2017 18:27:14 GMT

The AF hit on my chase marriot card. I can't believe its been a year already. From my research it doesn't look like much of a chance at an AF credit. Is this card worth holding on to? I don't stay at marriot very often, but I do maintain status there at least for the time being. Once my gold status lapses I will probably either pick up an amex plat biz card or the ritz card to get that status back. I currently have the amex SPG business card, so even if I were to stay at marriott (and pay instead of using points) I'd probably rather use that card to pay. The credit line on my marriott card is only 5k so the util hit won't be that bad and I suppose I could use the additional freed up credit for my upcoming hyatt card app. I already got the free night for this year and in another year I will be able to reapply for a new marriott card and get the bonus again. In the situation any reason for me to hold on to the card? I'm thinking it needs to go. Also, since the AF is due in a few weeks and is part of this statement what will happen if I make a small purchase on the marriot card now and pay it off before the current payment date and then close the card. Will I still get the points on that transaction even though I closed the card before the statement could cut? The reason I ask is I'd like to make a small purchase just to extend the amount of time I have to use the marriot points in my account.

Re: Chase Marriott card

odd_dog — Sun, 09 Apr 2017 20:00:57 GMT

I am confused here, if you also hold the spg card and you connected your accounts, the spg could hold the points (not sure but in the transfer the marriott points are worth less BUT that is compared to spg, which points there are transferable to many frequent flyer programs)....so why would you need to purchase something to keep the points? move them over to your spg, no?

Re: Chase Marriott card

Anonymous — Sun, 09 Apr 2017 22:29:47 GMT

Chase won't refund the AF. But the upside is since your year is up you get the anniversary free room which more than covers the AF.

Re: Chase Marriott card

medicgrrl — Sun, 09 Apr 2017 22:34:11 GMT

If you've already been charged the AF, why not keep it another year and try to get it waived next year and then close if they say no. Hold on to it for now in case you find someway to benefit from the card over the next year. Or can you PC it to something else?

Re: Chase Marriott card

-Cal- — Sun, 09 Apr 2017 22:40:22 GMT

Watching this thread... I'm in the same boat as you but with the SPG card. Does the SPG earn better than the Marriott/Ritz? Maybe I should shift over my spending to SPG? I didn't realize Amex Platinum gives you automatic Gold status, so no need to meet the 10k spend thresholds?

Re: Chase Marriott card

Anonymous — Sun, 09 Apr 2017 22:48:36 GMT

@-Cal- wrote:
Watching this thread... I'm in the same boat as you but with the SPG card. Does the SPG earn better than the Marriott/Ritz? Maybe I should shift over my spending to SPG? I didn't realize Amex Platinum gives you automatic Gold status, so no need to meet the 10k spend thresholds?

the plat automatically gives you gold SPG, which transfers to Marriott gold

Re: Chase Marriott card

K-in-Boston — Sun, 09 Apr 2017 23:37:44 GMT

Cal no spend minimum at all. SPG and Hilton gold are automatic (you do have to enroll) and extend to AUs also. Obviously SPG translates to Marriott and R-C. Marriott card has higher earning for certain categories than the 1x of the SPG but since they're valued 3:1 and can be transferred easily and free, yes the SPG is a better earner.

Re: Chase Marriott card

-Cal- — Mon, 10 Apr 2017 00:03:14 GMT

@K-in-Boston wrote:
Cal no spend minimum at all. SPG and Hilton gold are automatic (you do have to enroll) and extend to AUs also. Obviously SPG translates to Marriott and R-C. Marriott card has higher earning for certain categories than the 1x of the SPG but since they're valued 3:1 and can be transferred easily and free, yes the SPG is a better earner.

If I use my SPG card at a Marriott hotel I would earn 2 Starpoints which equals 6 Marriott points. If I use my SPG card at an SPG hotel I would earn 5 Starpoints which equals 15 Marriott points. I haven't had an opportunity to stay at an SPG property, I don't really see myself doing so anytime soon.

Sounds like I should shift my spend to the SPG given the amount I spend at Marriott properties each year.

Re: Chase Marriott card

red259 — Mon, 10 Apr 2017 00:28:37 GMT

@Anonymous wrote:
Chase won't refund the AF. But the upside is since your year is up you get the anniversary free room which more than covers the AF.

I don't need a refund of the AF. The statement cut but the payment due date has not hit yet. I figured I'd just close the card before the payment is due.

Re: Chase Marriott card

red259 — Mon, 10 Apr 2017 00:29:59 GMT

@medicgrrl wrote:
If you've already been charged the AF, why not keep it another year and try to get it waived next year and then close if they say no. Hold on to it for now in case you find someway to benefit from the card over the next year. Or can you PC it to something else?

Its on my statement but the payment isn't due yet.

Re: Chase Marriott card

someg33k — Mon, 10 Apr 2017 00:52:41 GMT

Just paid my first AF for the Marriott card and without hesitation. The free nights stay per year more than makes up for the AF. It's free money

Re: Chase Marriott card

sillykitty1 — Mon, 10 Apr 2017 03:07:27 GMT

I vote cancel it. IMO the Marriott card is only valuable if you stay frequently at Marriotts. But now with the SPG merger, the SPG card out earns the Marriott card in every way.

I wouldn't worry about keeping your Marriott points active, they won't expire for 24 months. And if they get close to expiring there are many ways to keep them alive.

I've also had Chase automatily refunded the AF on several cards I closed after it hit, including the Ritz, after closing.

Finally the Cat 1-5 cert is almost worthless to me. I have let more expire than I've used, because cat 1-5's are not located anyplace I'd like to stay.

Re: Chase Marriott card

red259 — Mon, 10 Apr 2017 04:20:32 GMT

@sillykitty1 wrote:
I vote cancel it. IMO the Marriott card is only valuable if you stay frequently at Marriotts. But now with the SPG merger, the SPG card out earns the Marriott card in every way.

I wouldn't worry about keeping your Marriott points active, they won't expire for 24 months. And if they get close to expiring there are many ways to keep them alive.

I've also had Chase automatily refunded the AF on several cards I closed after it hit, including the Ritz, after closing.

Finally the Cat 1-5 cert is almost worthless to me. I have let more expire than I've used, because cat 1-5's are not located anyplace I'd like to stay.

Yea I had one expire on me as well. Cat 1-5 is kinda limited and often it saves me maybe $6-$10. The room costs around the amount of the AF. In certain places with extremely inflated prices for courtyards or residence inn it can make sense, but I have no desire to visit those areas.