Marriott cross-issuer bonus rules
Marriott cards are issued by both Chase and American Express, and the bonus restrictions cross the issuer boundary. As a rule of thumb, if you received a welcome bonus on any Marriott co-brand card (either issuer) within the past 24 months, you may not qualify for another Marriott bonus. Each issuer also adds shorter holds: holding or recently opening the other issuer's Marriott card (30 days for holding, 90 days for approvals) can block a bonus too.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
Marriott cards are issued by both Chase and American Express, and the bonus restrictions cross the issuer boundary. As a rule of thumb, if you received a welcome bonus on any Marriott co-brand card (either issuer) within the past 24 months, you may not qualify for another Marriott bonus. Each issuer also adds shorter holds: holding or recently opening the other issuer's Marriott card (30 days for holding, 90 days for approvals) can block a bonus too.
Anyone applying for any Marriott Bonvoy card: Chase Boundless, Bold, Bountiful, or Amex Bevy, Brilliant, Business.
Who it applies to
Anyone applying for any Marriott Bonvoy card: Chase Boundless, Bold, Bountiful, or Amex Bevy, Brilliant, Business.
How to count
- Find your most recent welcome bonus on ANY Marriott card, either issuer; add 24 months.
- Check whether you hold the other issuer's Marriott card now, or opened one in the past 90 days.
- Amex Marriott cards also carry Amex once-per-lifetime terms on top of the 24-month cross rule.
- Chase Marriott cards are additionally subject to Chase 5/24.
Calculator (estimate)
Enter the date you received the bonus on that card. The calculator adds the waiting period.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I earn a Chase Marriott bonus and an Amex Marriott bonus in the same year?
Usually no: the 24-month cross-issuer clock runs in both directions, so one Marriott bonus generally blocks another for 24 months.
Does the Marriott rule replace 5/24 or once-per-lifetime?
No. All of them stack: Chase cards still face 5/24, Amex cards still face once-per-lifetime, and the Marriott cross rule sits on top.
Sources
- Daily Drop — Marriott Bonvoy card eligibility rules
- The Points Guy — Marriott Bonvoy eligibility chart
- Upgraded Points — Navigating Marriott card application rules
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