Marriott Rewards Premier Credit Card: Sleep Free Canada!

Marriott Rewards Premier Visa CardThe Marriott Rewards Premier Visa card may look like any other credit card, but don’t kid yourself. It’s got beef.

While not as well know as some of Canada’s other travel rewards credit cards, we think it’s a hidden gem with some incredibly unique and attractive attributes that no other Canadian travel  rewards cards match. Think no annual fee in the first year, 4 free nights welcome bonus, no foreign transaction fees and a free hotel night every year just for keeping your account open!

Not only that, with the recent acquisition of Starwood Hotels by Marriott, you can now transfer points from Marriott Reward to SPG, and vice versa, completely free, making it the largest hotel network in the world! The Marriott Rewards loyalty program has also received the highest satisfaction rating of all hotel loyalty programs worldwide by JD Powers – beating out the big names including Hyatt, Hilton and Fairmont.

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Marriott Rewards – Premier For a Reason:

1. Sign-up Offer: The Marriott Rewards Premier card starts off with a bang. Get 30,000 points, after using your card once. That’s a total of up to 4 free nights at a category 1 hotel. No minimum spend required! Buy a pack of gum and the 4 free nights are yours. That’s as easy as it gets.

2. No Foreign Transaction Fees: The Marriott Rewards card is the only travel card in Canada that does not charge a 2.5% foreign transaction fee. For those who travel, buy from U.S. websites, snowbirds, and entrepreneurs who use their credit card to buy goods from non-Canadian suppliers, this is a huge savings.

In fact, a no foreign transaction fee credit card is the cheapest foreign exchange method available, offering near perfect exchange rates, with no mark-up. The no-foreign transaction fees alone makes this the best credit card in Canada to make all of your foreign purchases with. Saving 2.5% on foreign exchange per dollar spent, is worth more than just about any rewards credit card earn rate, the majority of which earn somewhere between .75% to 1.5% per dollar spent.

3. Free Night Anniversary Bonus Every Year: Sweetening the pot even more, the Marriott Rewards card also gives you a FREE nights stay every year at a category 1-5 hotel, just for having the card. No minimum spend or balance required. A strong incentive to keep the card in your wallet.

4. First Year Annual Fee Waiver: Chase has waived the first year annual fee, a value of $120. Even though there is an annual fee in years 2 and beyond, the free hotel night every year basically wipes out the cost of the annual fee and then some. 

5. Elite Status: The Marriott Rewards card will automatically accelerate you to Silver Elite Status, by giving you 15 Nights Credit every year, which gets you that much closer to Gold Elite status. Among other benefits, Silver Elite members get a 20% bonus on base points earned during stays (equivalent to an additional 2 points per $1 spent), 10% discount on weekend prices and priority late checkout.

6. Ongoing Rewards: For every $1 spent, earn 5 points at more than 4,000 Marriott locations worldwide, 2 points on airline tickets purchases, restaurants and car rental agencies & 1 point everywhere else. The high earn rate at Marriott properties, makes the Marriott Rewards card a must-have for those who stay at Marriott hotels frequently (the 5 free nights sign-up bonuses make it a must-have for everyone else). We’ve seen better than 1 point per $1 spent on all other purchases, but the value that distinguishes this card from the others is in the sign-up bonus, anniversary bonus, annual fee waiver and no fx fees.

7. Maximizing Point Redemption: There are several ways to maximize your point value when redeeming your Marriott Rewards points. Here’s the simplest. First, if you redeem for 4 nights, the fifth night is free, amounting to a 20% savings. Second, the PointSavers program offers a discount of up to 33% on points required to redeem at a rotating list of Marriott properties. Always check the list before you travel or plan ahead. Combined, that’s an additional 55% savings, essentially doubling the value of your points!

The Marriott Rewards Premier Visa Card is the best option as a primary card for heavy hotel users and foreign spenders that want to avoid the 2.5% foreign exchange fee. We would also recommend it as a great second or third card in wallet for everyone that can use a sign-up bonus of 4 free nights with no minimum spend requirement, spends the occasional amount of money outside of Canada and likes the idea of a free hotel night every year, not to mention the #1 ranked hotel loyalty program worldwide.

Marriott’s recent acquisitions of Starwood (Sheraton, Westin, W) and Delta Hotels, makes it the largest full service hotelier in Canada, offering cardholders more opportunities to redeem for the hotel of their choice than any other card in the world.

Loyalty points can be transferred from one program to the other easily, giving you the largest selection of hotels to redeem for a free nights stay worldwide.

If you’re a big SPG fan, you should definitely get the Marriott credit card. You’ll be able to transfer the 30,000 Marriott welcome bonus points to SPG at a rate of 1:3, giving you a free 10,000 SPG Starpoints.

That’s why the Chase Marriott Rewards Premier Visa card get’s a huge thumbs up from us. It hits on all counts. With a huge sign-up bonus worth over $550, and no annual fee in the first year, it makes trying the card out risk-free and a no-brainer – whether your collecting Marriott Rewards or SPG Starpoints!

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47 comments

  1. How fast is the 30,000 bonus miles credited to the account? I am going away to Paris on February 24th and would love to use the bonus points to book a room for 2 nights there. Are there any Category 1 hotels to book in Paris?

    • Hi Roger,

      Chase Marriott Rewards states that you should “allow 8 to 10 weeks after your first purchase for points to be posted to your Marriott Rewards account.”

      Hope that helps,

      GreedyRates Staff

  2. Is there any fees on the supplementary card?

  3. Hi GreedyRates,
    With this card, $1 spent at Marriot properties gets 5 points, plus Silver Elite status gets 2 more points, correct?

    • Hi Akira,

      Actually it’s much better than that. You get 5 points per $1 spent at Marriott properties from your credit card and 10 points per dollar spent from the Marriott rewards program (not including Residence Inn). The Silver Elite Status gives you an extra 20% on the Marriott Rewards program points only!

      So if you stay at Marriott banner you could get 5 points, plus 10 points, plus 2 points for a total of 17 points per dollar spent!

      Hope that helps!

      GreedyRates Staff

  4. It isn’t super clear – do you receive the first “anniversary free night” only after a year and you actually pay the annual fee… or do you get one upon sign-up?? I assumed you had to wait a year to get the first free night but a comment above seems to indicate they got one right away plus the 30K points! That’s awesome!

    • Hi Ashley,

      Apologies for the lack of clarity! The current anniversary free night is only available after your first year, thus you would be charged the annual fee. Chase recently changed the offer, where they used to provide a free night as a welcome bonus on top of the yearly anniversary bonus.

      That said, the deal is still one of the best in Canada. There’s no annual fee in the first year and you get 30,000 Marriott points – risk free. The $120 annual fee only kicks in, in the second year, but is easily offset by the anniversary free night you get every year. Of course the no foreign transaction fees make it a steal as well.

      Hope that helps,

      GreedyRates Staff

  5. I have cancelled my Marriott visa last year but I want to reapply and get the bonus points, will my application be approved?

    • Hi Adam,

      Chase/Marriott’s disclosure reads as follows: “This one-time bonus offer is valid only for first-time Marriott Rewards Premier Visa Card members. Previous and existing Marriott Rewards Premier Visa Cardmembers are not eligible for this bonus offer.” This seems to be a relatively new disclosure. That said, some issuers state the limit, but don’t enforce it. Would be interesting to see where Marriott falls on enforcement.

      Hope that helps,

      GreedyRates Staff

  6. both my husband and I applied for the card so collectively we have 60k points. we redeemed all the points (transfer from my reward to his rewoard account) plus the two free night certificates in HK Courtyard Marriott Shan Tin. it is the best hotel experience I had!!!! nice quiet hotel with shuttle bus to downtown or the Shan Tin mall. We saved a bundle on transportation cost which is very costly in HK.
    we will keep the card as for $120 annually equals to one night hotel, up to category 5, that is a good deal.
    Thank You so much!!!!

    • I second your motion. I just returned from Hong Kong where I stayed at the Courtyard Marriott Sha Tin. The best hotel experience I ever had. We stayed in the same hotel last year as well. Very professional and helpful staff. The hotel location is ideal with bus stops just downstairs and MTR station just five minutes away. The hotel rooms are spacious and clean. And, Marriott reward points came very handy.

  7. Good day,

    Is there a standard definition for what counts as “personal income” as far as Chase Bank is concerned? I know the US has a credit card Act which broadly defines this as income one would reasonably have access to. Any thoughts in instances where the applicant does not draw large ‘direct’ income?

  8. Hi,
    I applied for the Marriott Premier Rewards Visa through your link and I just received a letter saying my application was denied! I’m stunne. I have an Eqifax credit score of 830, I pay my credit cards in full every month and pay my bills on time and I’ve never been denied credit before. I have no car payments or mortgage. The letter didn’t go into details as to why my application was denied but gave three possible reasons: 1. “You already have a credit card with us” – I don’t 2. “Your application doesn’t meet our internal lending requirements” – I have excellent credit – see score! 3. “The information on your application does not match your credit profile” – this is the only one that might offer some explanation. Not all credit card applications offer the same job descriptions to choose from. My spouse and are self-employed landscapers. There is no description for this job on the online application. But I did contact Chase before I completed the application and was told to choose “operations manager”, which I did. I called Chase after I receive the letter and was told that there was nothing the customer service rep could do and no further explanation was available. This sucks because I really wanted this card and this rejection may negatively impact my credit rating.

    • Hi Tracey,

      Unfortunately, it’s hard for us to evaluate your situation without having access to your credit report, and or application. When you get a decline, with a score (and income we assume) as strong as yours, you should order a credit report to determine if there’s something more nefarious on your credit report you’re not aware of.

      Secondly, you could also try to speak to Chase’s underwriting/credit department, as opposed to customer service, and ask for the reason for the decline.

      That said, your credit score will have been impacted the same whether you were declined or accepted, it’s the inquiry itself which impacts your score, but only temporarily. So don’t worry, it will not impact a score of 830 significantly at all.

      GreedyRates Staff

    • Tracey, back in July 2016 I learned about Chase Amazon card and put an application for that. I was declined stating the same 3 reasons. Then in Sept 2016, I applied for Chase Marriott card, declined again. Desperate not because I need the card, but because I was rejected twice despite a solid credit history. I gave myself more time and read articles about how to apply for credit cards. Now in Nov 2016, applied for Chase Marriott credit card online and I was informed that there was no decision that was made. I had to wait for 10 days for the letter to arrive with a decision. There was a customer care number with my reference ID. I didn’t want to wait for the letter to arrive. I called the call center in the next 15 minutes after I was shown the “no decision made” page, I was put on hold and then I was informed that my application was approved. I think calling in soon after the online application and talking to someone helps. I was declined twice by Chase and I’m happy that they did because the sign up bonus has now increased to 50k. Anyway you get my point 🙂

      • Where does one get this 50K bonus. It does not appear on this site, nor on the Chase Canada site. Is this promotion over or is it only available under certain conditions such as applying via a certain link?

  9. Can I use-up all the points within a year after activating the card and then cancel it without having to pay the annual fee or some sort of penalty?

    • Hi Al,

      Absolutely! There is no penalty, nor are you assessed the annual fee, if you use the bonus points and cancel the credit card before the end of the year. It’s a free stay.

      GreedyRates Staff

  10. Hi
    Just curious where can I use this card in Canada?
    Can I use it at any place that accepts Visa or is it only valid in the USA
    Thanks

    • Hi Yagil,

      You can use the Marriott Rewards card everywhere Visa is accepted in Canada & worldwide.

      Actually, even if the card was not issued by a Canadian bank, which it is (Chase Canada Bank), you can use any credit card issued by Visa anywhere in the world, no matter which country the Visa card was issued in.

      Hope that helps,

      GreedyRates Staff

  11. Hello,

    Was looking over the terms and conditions for this card carefully and came across a tidbit about the annual fee that concerned me:

    “Annual Fee: This one–time annual fee waiver is only valid for first-time Marriott Rewards Premier Visa Cardmembers. Previous and existing Marriott Rewards Premier Visa Cardmembers are not eligible for this annual fee waiver. The annual fee of $120 will be waived for the first year and charged annually thereafter (whether the card is activated or not) on your statement anniversary date.”

    More specifically, it is the “whether the card is activated or not” part that is of concern. Does this mean that even if you cancel the card before the first year is up that you will somehow STILL be charged an annual fee on the card’s anniversary date?

    I have never seen this wording before so I thought that I would see if you could clarify!

    Thanks!

    Chad

    • Hi Chad,

      Great catch. We called Marriott to get an explanation. Essentially, if you get the card, don’t call to activate it, and throw it into a drawer, you will still be charged the annual fee, the following year.

      However, if after receiving the welcome bonus, you decided to close the account, you will NOT be charged the annual fee. Just make sure to wait 6 months before closing the account, otherwise Marriott reserves the right to cancel your bonus (it’s not a guarantee they will, but they reserve the right to do so).

      This rule does not impact those who are looking to apply, get the bonus and cancel the card. In each of those cases you would have to activate the card to be eligible for the bonus anyways.

      Thanks for noticing and sharing.

      GreedyRates Staff

  12. Can you get a second card for free on the same account?

  13. Can the 30,000 bonus points for MARRIOTT VISA be converted to Aeroplan, and assuming it’s only 1:5?

    • Hi Victor,

      Yes you can convert Marriott Rewards points to Aeroplan miles (no fee for doing so). For 10,000 Marriott points, you’ll get 2,000 Aeroplan miles, for 20,000 Marriott points you’ll get 8,000 Aeroplan miles, and for 30,000 Marriott points, you’ll get 10,000 Aeroplan miles.

      You’re better off calling Marriott and having them do it over the phone, as it will only take 1-2 weeks for the transfer to show up. Do it online and it may take 4-6 weeks. There is no cost either way.

      Hope that helps,

      GreedyRates Staff

  14. I saw on a the Marriott website that you can earn an additional 80,000 points if you spend $3,000 within the first 3 months of having the card. Is this true for the Canadian Card as well?

  15. I know the card is made of metal down in the US, but what about this Canadian version? I’ve always liked cards that carry some weight.

  16. Hi
    Does Marriott Rewards cover vehicle insurance, travel insurance?
    Gary

    • Hi Gary,

      The Marriott Rewards card does have car rental insurance. It has flight and baggage delay insurance, but it does not have trip cancellation or travel medical.

      GreedyRates Staff

  17. Can you please explain how Elite Status and 15 free nights works? Does it mean if I keep the card, I’ll receive 15 free nights every year?

    Thanks

    • Hi Omid,

      What that means is that upon approval, and every year thereafter, you will get 15 nights credit towards your elite status. You need 10 nights credit to achieve Silver Elite Status, 50 nights credit to get Gold Elite status. So that means with the Marriott card, you automatically get Silver Elite Status (not 15 free nights), which gets you priority late checkout, weekend discounts and 20% bonus on points for stays.

      While you don’t get 15 free nights just for having the card every year (that would be awesome), you do get 1 free nights stay at a category 1-5 Marriott hotel EVERY year, which is huge.

      Hope that clears it up for you.

      GreedyRates Staff

      • Hi GreedyRates,

        Is the Night Credit cumulative? If I keep the card for 4 years, I will have accumulated 15*4=60 Night Credits. And with these 60 Night Credits, I will become Gold Elite status by the end of 4th year. Is this correct?

        • Hi Akira,

          Great question! The 15 credits you receive for free each year make you eligible for Silver status each and every year you have the card. However, it is not cumulative.

          The only cumulative program Marriott has is permanent lifetime status, and you would need 250 nights and 1.2 million points earned to achieve permanent Silver status…

          Hope that helps,

          GreedyRates Staff

  18. If I connect my Aeroplan account with my Marriott Rewards program (earn miles vs. earn points in my account profile) and then booked a night in a Marriott hotel using the Marriott Rewards credit card, will I be getting five aeroplan miles or just one?

    And is that x5 points applicable to ALL Marriott locations? Are there any exceptions?

    • Hi Red,

      So we double checked with Chase and Marriott Rewards. While you can earn Aeroplan Miles from your Marriott Rewards loyalty card (2 Aeroplan Miles per $1 spent), the Marriott credit card will only earn you Marriott points. You can then transfer the Marriott points to Aeroplan Miles. The current transfer rate is 5 to 1. So 10,000 points will equal 2,000 Aeroplan Miles. Would have been nice if your scheme worked, we got excited for a second! THat said, the Marriott Rewards loyalty card is still a great earning tool for Aeroplan members at 2 points per $1 spent!

      Hope that helps.

      • Exchanging 10,000 Marriott points for 2000 Aeroplan points is no bargain! Because the portion of the fare that is taxes and fuel charges is not covered with Aeroplan points, the actual value of 2000 points is about $25! Better saving up those Marriott points

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