20 cards ranked
Best credit card to use at Marriott.
HotelsTravel
Marriott Bonvoy is the world's largest hotel loyalty program, covering more than 30 brands from budget Fairfield Inn through luxury Ritz-Carlton, St. Regis, and W Hotels. Direct stays at marriott.com or any Bonvoy property earn the most points and unlock elite-night credits, but the math gets nuanced: co-branded Marriott cards layer extra Bonvoy points on top of base earnings, while general hotel-category cards (Sapphire Reserve, Venture X) often yield higher cashback-equivalent value if you don't care about Bonvoy status. Stays booked through OTAs like Expedia or Hotels.com forfeit points and elite credit, so the in-program booking is almost always the right call.
- #15.0%4x points
- #25.0%4x points
- #3FNBO5x points on travelAirlines, hotels, car rental, cruise lines, travel agencies, transit, taxis, tolls, and timeshares by merchant category code5.0%5x points
- #45.0%5x points
- #5American ExpressCo-branded Marriott cardHotels participating in Marriott Bonvoy4.2%6x points
- #6ChaseCo-branded Marriott cardMarriott Bonvoy hotels (card portion; Bonvoy member rate and Silver Elite are program rates, not card rates)4.2%6x points
- #7American ExpressCo-branded Marriott cardHotels participating in Marriott Bonvoy4.2%6x points
- #8American ExpressCo-branded Marriott cardHotels participating in Marriott Bonvoy4.2%6x points
- #9ChaseCo-branded Marriott cardMarriott Bonvoy participating hotels (card portion; Gold Elite bonus points are a program rate, not a card rate)4.2%6x points
- #104.0%4x points
- #11PenFed Credit Union4x points on travel4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise4.0%4x points
- #124.0%4x points
- #134.0%4x points
- #144.0%4x points
- #15Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined $150,000/yr cap)3.8%3x points
- #163.6%3x points
- #17American Express3x points on hotelsPurchases made directly with hotels3.6%3x points
- #183%
- #19Chase3x points on travelTravel other than Air Canada direct purchases, which earn 3x under the airlines category3.0%3x points
- #203.0%3x points
Last updated September 14, 2026