How Many Marriott Credit Cards Can You Have in Your Wallet

You can have up to five Marriott credit cards in your wallet, but it's essential to understand the rules and benefits of each card.

Marriott has a variety of credit cards, including the Marriott Bonvoy Brilliant American Express Card and the Marriott Bonvoy Boundless Credit Card, each with its own rewards and benefits.

Having multiple Marriott credit cards can help you earn more points and enjoy exclusive perks, such as free nights, upgrades, and lounge access.

However, it's crucial to consider the annual fees and credit limits associated with each card to avoid overspending and maximize your rewards.

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If you're looking to apply for multiple Marriott credit cards, you need to be aware of the application rules.

You won't be eligible for a welcome bonus if you've had a certain card or received a bonus in the last 24 months. This includes cards like the Marriott Bonvoy Brilliant American Express Card and the Marriott Bonvoy Bevy American Express Card.

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To avoid wasting a hard credit pull, it's essential to double- and triple-check the rules before applying. This means checking if you've had any of the listed cards or received a bonus in the specified timeframe.

You can still apply for a card even if you're not eligible for the welcome bonus, which can earn you a free night certificate.

Some cards have additional restrictions, such as the 5/24 rule, which applies to the Marriott Bonvoy Boundless Credit Card. This means you won't be eligible if you've opened five or more cards in the last 24 months from any issuer.

Here are some cards that can affect your eligibility for a welcome bonus:

Additionally, if you've applied and been approved for certain cards within the last 90 days or received a bonus in the last 24 months, you may not be eligible for a welcome bonus.

It's worth noting that some cards have different earning rates, such as the Marriott Bonvoy Bountiful Card, which earns 6X points on purchases at participating hotels and 4X points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets.

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If you're looking to earn 50,000 free night certificates, you have a few options. The Bonvoy Brilliant from Amex offers an annual 50K certificate for $450.

You can also consider the Ritz-Carlton from Chase, which offers the same annual 50K certificate for $450. However, this card is not available for new sign-ups.

To get the Ritz-Carlton card, you can product change from any consumer Chase Marriott card, such as the Bonvoy Boundless or fee-free Bonvoy Bold.

Here are the Marriott cards that offer 50K free night certificates:

To navigate the complex eligibility requirements for Marriott credit cards, you can use this handy eligibility chart.

Chase and American Express each have their own set of rules for credit card applications, which apply generally, not just to Marriott credit cards.

The eligibility chart omits some cards that are no longer available, such as the old SPG cards that have been automatically converted into a different card.

Here is a list of Marriott credit cards included in the chart:

If you currently have any of the following cards, you won't be approved for the Bonvoy Bold or Marriott Bonvoy Boundless Credit Card.

The cards that will disqualify you from approval for these credit cards include:

Additionally, if you received a new cardmember bonus for any of these cards within the last 24 months, you won't be approved for the Bonvoy Bold or Marriott Bonvoy Boundless Credit Card.

You also won't be approved if you applied and were approved for any of the following cards within the last 90 days, or if you received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months.

To navigate the eligibility requirements for Marriott credit cards, we can refer to the Marriott Credit Card Eligibility Chart. This chart helps make sense of the dense rules.

The chart was prepared to assist with understanding the eligibility requirements. It's essential to remember that Chase and Amex each have their own set of rules for credit card applications. These rules apply generally, not just to Marriott credit cards.

You can find more information about Chase and Amex application rules in a separate post. The chart omits some cards that are no longer available for new applicants and have been converted into different cards.

Here is a list of cards that are still available for consideration:

You can't receive a welcome offer for the Marriott Bonvoy Brilliant American Express Card if you've had certain other cards. This includes the Starwood Preferred Guest American Express Luxury Card or previous versions of it.

If you've had the Ritz-Carlton Credit Card from JPMorgan or the J.P. Morgan Ritz-Carlton Rewards Credit Card in the last 30 days, you're not eligible for the welcome offer.

Having the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless Credit Card from Chase, or the Marriott Bonvoy Bold Credit Card from Chase in the last 90 days will also disqualify you from the welcome offer.

In this case, the 90-day waiting period is longer than the 30-day waiting period for the Ritz-Carlton cards.

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