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Is 40,000 Marriott points + $150 better than the 70,000 bonus?

by on Mon July 28, 2014 • 2 Comments

You might think the single biggest offer for Marriott Rewards points as of this post date is the limited-time 80,000 point deal for the Marriott Rewards Premier credit card.

You can earn them after spending $3,000 within the first 3 months of holding the card, with an $85 annual fee.

80,000 points can earn you at least 2 nights at most Marriott hotels, and up to 9 nights if you stay at its lowest Category 1 hotels, though there aren’t many of those.

Marriott points can also be transferred to Southwest Airlines points and count toward Companion Pass qualification.  70,000 Marriott points gets you 25,000 Southwest points, which is just about what you’d need if you .

But there are other offers for Marriott points that might be better for you, like these below…

70,000 Marriott points via Business version

First, there is a 70,000 point deal on the Marriott Rewards Premier Business Credit Card, also after spending $2,000 in the first 3 months.

(The information related to The Marriott Rewards Premier Business credit card has been collected by and has not been reviewed or provided by the issuer of this card.)

So if you already have a Marriott Rewards Premier personal card you can take advantage of this limited-time deal to get even more points. Or, if you don’t have either card yet, you can consider both for 140,000 points in total.


40,000 Marriott points + $150 cash option

Second, there is a 40,000 point + $150 statement credit offer that’s being targeted. You get the $150 statement credit after your first purchase of any kind using the card (not just Marriott purchases), and the 40,000 points come if you spend $2,000 within 3 months.

We’ll explain more below, but if you are already swimming in Marriott points, or are primarily saving points for some of the cheaper Marriott properties, which typically offer only about 0.5 cents per point in value, you’re probably better off with this deal.

Basically, if 30,000 points are worth more than $150 for you, go for the 70,000 point deal. If not, consider this deal with $150 cash.

140,000 Marriott points via Ritz Carlton Rewards

Third, some people are being targeted in the mail for a 140,000 point Ritz Carlton Rewards Card offer.

Ritz Carlton and Marriott share rewards programs so those are really 140,000 Marriott points at your disposal. You’ll have to spend $2,000 in 3 months to get them.

It’s targeted, so if you are among the chosen, call 1-888-846-7004 and mention code F5BP to apply using the deal.

The card has a $395 annual fee, which might scare you away, but if you are serious about earning Marriott points, consider this…

First, as you’ll see below, there are occasions when Marriott points are worth about 1 cent each, usually at their more expensive hotels, so paying $395 for an extra 70,000 points can put you ahead if you have a specific hotel redemption in mind.

Second, The Ritz Carlton Rewards card offers a $300 annual credit toward non-ticket airline purchases. That can include annual membership to your preferred airline lounge program, or any bag or seat upgrade fees you pay an airline.

You just charge them to your card and call the number on the back of your card within 4 statement cycles of the purchase date to request they be removed. And the charges can be with any mix of airlines, so you don’t have to designate one in advance. The credit is awarded on a calendar year basis, so you could actually get $600 in value the first 12 months you hold the card. One batch of $300 this year, and another batch early next year.

Here’s the fine print of the airline charge refund:

“To request a statement credit to apply towards qualifying airline incidental Net Purchase(s) made with your Ritz-Carlton Rewards Credit Card, you must contact J.P. Morgan Priority Services at the number on the back of your Ritz-Carlton Rewards Credit Card within 4 billing cycles of the purchase date. Only the following types of non-ticket Net Purchases qualify for this offer: airline lounge day pass, or towards a yearly lounge membership of your choice; airline seat upgrades; airline baggage fees; in-flight internet/entertainment; in-flight meals; Global Entry fees. ”

Are you saving for an expensive hotel?

Marriott points tend to be most valuable if you are planning to use them at expensive hotels, the kind that run $300 a night or more which you might not otherwise afford without points. For many of those properties you can often get close to 1 cent in value from your points, which makes the extra 30,000 points worth much more than $150, and make the 70,000 point deal more attractive. The 140,000 point deal can also be useful, since it’s like buying 70,000 points for $395, which in you.

Examples that are worth about 1 cent per point.

Get the biggest point offer you can if these are the kinds of hotels you want to book with points. 70,000 points will get you almost $700 in value.

Examples that are worth only about 0.5 cents per point.

You’re better off taking the $150 in cash if this kind of reward is in your sights.

All in all, there have never been more ways to earn Marriott points via sign-up deals. Between the 70k offers for the Marriott Premier personal and business cards, a possible 70k deal for the Chase Ink Plus, and the targeted Ritz Carlton 140k deal there’s a lot available if you’re willing to go for a few sign-ups.


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Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
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Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee, then $95

Annual Fee


Foreign Transaction Fee Waived


Points Can Transfer to Airline Miles ?

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2 thoughts on Is 40,000 Marriott points + $150 better than the 70,000 bonus?

  1. L K Vu

    @ Ritz-Carlton credit card:

    Some information stated that cardmembers have access to airline lounges at airports.
    Other info stated that the $300 annual credit can be used to pay for airlines’ membership that allow access to their lounges.
    Which ones is true?

    Thank you.


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