I often see a lot of people apply for the Chase Marriott Rewards credit card when the 70,000 bonus points offer comes along. I personally don’t see appeal in this card, besides the signup bonus. If you have a hard pull to spare on your credit, then why not? I would’t mind earning a couple nights free at a Marriott hotel.

What about putting regular spending on this card? I personally don’t think it’s a very good credit card for regular purchases. The points you earn are 5x on all Marriott bookings, 2x on airline tickets and 1x on all other purchases.

Using Marriott Rewards points at an expensive hotel property takes a lot of points. Here are my examples and final thoughts.

Example of using the bonus points

Let’s take the Marriott Marquis in Times Square, New York as example. This has been one of my favorite hotels to stay at when I visit New York. It’s right in the middle of Times Square, and the hotel is pretty nice on the inside! If I were to stay at this property for 1 night in October, Marriott is requiring 45,000 points per night. My guess is wherever you’re traveling to, you’re going to want to stay more than 1 night.

The Marriott Rewards 50,000 point signup bonus is just enough to cover 1 night. When the 70,000 bonus points offer comes around, you’re still not going to be able to get 2 free nights out of the signup bonus.

Marriott Marquis Times Square Points

Staying at the Marriott Marquis in Times Square requires 45,000 points per night. You won’t even be able to get a 2 night stay out of the Marriott signup bonus.

Courtyard Waikiki Beach example

Looking at hotels in Honolulu, it looks like you’d be able to stay 2 free nights at the Courtyard Waikiki Beach hotel for 35,000 points per night once┬áthe 70,000 bonus points offer once it comes back.

Courtyard Waikiki Beach Points

Once the 70,000 points offer comes back, you’d be able to stay 2 free nights at the Courtyard Waikiki Beach hotel at 35,000 points per night.

The Courtyard Waikiki Beach hotel costs $189 a night. If you signup for the Chase Marriott Rewards credit card when the 70,000 bonus points offer comes along, then you’re looking at a $378 signup offer. Not too bad, but what about after you’re done using the points?

Back to the earnings

Unless you stay at Marriott hotels a crazy tone, you’re going to be earning mostly 1x points for each purchase. The card does earn 2x points on airline purchases, but you really should be putting your airline purchases on another card such as the Amex Premier Rewards Gold card which earns 3x points on all airline tickets.

You would have to spend $45,000 dollars on this card to earn 1 (JUST ONE) free night at a hotel like the Marriott Marquis in Times Square. That’s a TON of spending. I highly do NOT recommend putting your general purchases on the Marriott Rewards card by Chase to earn free nights.

I would much rather put my spending on American Express SPG or the American Express Hilton Surpass. At least with the Amex SPG, you’re going to find plenty of hotels for 20,000 points or less.

With the American Express Hilton Surpass card you can earn 6x points at grocery stores and then buy gift cards at your local grocery store to maximize your Hilton points. I can typically earn about 30,000 Hilton points by spending $5,000 a month on my Hilton Surpass card. This only costs me $59.50 in gift card activation fees.

If you’re not sure how to liquidate gift cards once you purchase them, read my Beginner’s Guide here to manufactured spending.

Marriott Rewards by Chase

I think the Marriott Rewards card by Chase is an excellent card ONLY for its signup bonus! Beyond that, I don’t recommend charging your general purchases to it.

Final thoughts

If you have a hard pull to burn on your credit, then by all means apply for this card once the 70,000 points offer comes along. After that, I probably wouldn’t keep the card past one year.