How to earn Marriott elite status with cobranded credit cards
While it depends heavily on how much you travel, you can save yourself hundreds, if not thousands, of dollars every year with elite status benefits. So why not start ahead every year just by opening a credit card?
The Marriott Bonvoy program has the largest footprint worldwide, with more than 8,500 properties in almost 140 countries. Breaking it down, there are five levels of elite status, three of which one can earn with a credit card:
- Silver Elite: 10 elite nights
- Gold Elite: 25 elite nights
- Platinum Elite: 50 elite nights
- Titanium Elite: 75 elite nights
- Ambassador Elite: 100 elite nights plus $23,000 in annual qualifying spending
Let’s take a closer look at how you can earn Marriott elite status with credit cards, all the way up to Titanium Elite.
Earning Marriott elite qualifying nights
One coveted perk of Marriott cobranded cards is the 15 to 25 elite night credits you receive annually by holding the card.
Better yet, you can double dip elite nights with consumer and business cards. So, you can earn 15 nights from a business card and up to 25 nights from a personal card, giving you up to 40 elite nights per year earned from credit cards alone. That’s just 35 nights away from Titanium Elite status.
However, it’s important to note that you cannot receive nights from multiple personal cards. Further, you must be the primary cardholder on a business and consumer card to combine them.
Here’s how many elite nights you’ll earn with each Marriott cobranded card:
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
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Related: Marriott Bonvoy Brilliant American Express Credit Card review
Marriott Bonvoy Silver Elite
You can earn Silver Elite status with 10 elite qualifying nights and, according to our valuation guide, it’s worth around $35.
The status tier is included with the following cards:
| Card | Issuer | Annual fee | Spending threshold |
|---|---|---|---|
| Marriott Bonvoy American Express Card | American Express | $95 | Included |
| Marriott Bonvoy Boundless Credit Card | Chase | $95 | Included |
| Marriott Bonvoy Bold Credit Card | Chase | $0 | Included |
Marriott Bonvoy Gold Elite
You usually earn Marriott Gold Elite status after 25 elite qualifying nights at Marriott properties.
The tier includes enhanced amenities such as space-available room upgrades, a welcome gift and 25% more points back. Gold Elite status can go a long way, even if you are an infrequent guest at Marriott properties.
Travelers can achieve Marriott Gold status through numerous credit cards, including:
Related: Guide to Marriott and Hilton elite status with the Amex Platinum and Business Platinum
Marriott Bonvoy Platinum Elite
Marriott Bonvoy Platinum Elite is the third tier in the Bonvoy program, and you can reach it after passing 50 elite qualifying nights.
Marriott Bonvoy Brilliant cardholders receive complimentary Platinum Elite status. With elite perks such as annual Choice Benefits, enhanced room upgrades, a dedicated phone line and free breakfast at select properties, one can quickly come out ahead with money saved.
There are two ways to earn Platinum Elite status by holding a credit card: Hit spending thresholds or be a Marriott Bonvoy Brilliant American Express cardmember.
| Card | Issuer | Annual fee | Spending threshold |
|---|---|---|---|
| Marriott Bonvoy Brilliant American Express Card | American Express | $650 (see rates and fees) | Included |
| The Ritz-Carlton Credit Card | Chase | $450 | Allows you to earn Gold Elite status when you spend $75,000 on purchases each account year |
Related: 3 reasons I continue to chase Marriott Platinum status year after year
Spending on the Bonvoy Boundless card
One final way to earn elite qualifying nights through credit cards is to reach higher spending on the Bonvoy Boundless card.
For every $5,000 spent on the card, you can accrue 1 elite qualifying night. While $5,000 is a lot, it may help if you are close to your next status before your next trip. It also should be noted that there are no caps on this perk, so you can spend your way to Titanium Elite status if you have enough expenses.
Paired with a Bonvoy Business and Bonvoy Brilliant card, you could spend $175,000 on your Bonvoy Boundless card to earn Titanium Elite status. That’s a lot of spending but it could make sense if you have a lot of reimbursable business expenses or otherwise need to spend a lot of money on a credit card.
However, there’s a large opportunity cost associated with spending on the Boundless card. Spending $5,000 earns just 10,000 Marriott Bonvoy points, worth $84 per TPG’s valuations. However, if you put this spending on a Capital One Venture Rewards Credit Card to earn 2 Capital One miles per dollar spent, for example, you’d earn 10,000 Capital One miles, worth $185.
With that in mind, you should only spend on your Boundless card if you’re just a few nights short of the next elite status tier. Otherwise, you might be giving up significant value.
It’s also worth noting that the Marriott Bonvoy Premier Credit Card — no longer open to new applicants — earns 1 elite night credit per $3,000 spent.
Related: The award traveler’s guide to Marriott Bonvoy
Other ways to earn Marriott elite nights
It’s also worth mentioning that award nights and free night awards count toward your elite qualification.
So, as long as you use the free night awards included with many cobranded credit cards, you’ll move the needle closer to your desired elite status tier. The same goes for hotel nights booked with points earned with your Marriott cobranded credit card.
Factor this into your Marriott elite status qualification strategy. If you have three free night certificates from various Marriott cobranded credit cards, you can consider that as three nights closer to your next Marriott elite status tier.
Bottom line
At the end of the day, it can be overwhelming starting each year with zero qualifying nights in your account. However, it may very well be worth the investment of an annual fee to start with up to 40 elite qualifying nights in your account on Jan. 1, potentially saving you thousands of dollars each year.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Marriott Bonvoy Business card, click here.
For rates and fees of the Marriot Bonvoy Bevy card, click here.
For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Business Platinum card, click here.
