What's the best card for points, the Chase Marriott? We're starting to travel a lot more than in the past. Went to roatan back at the beginning of the year, Ireland in May, leaving for St Petersburg Saturday, have 10 nights booked in Aruba after Christmas. We probably put somewhere in the neighborhood of $5,000 combined on credit cards a month, a Chase Sapphire and a Citibank card, plus I probably put another $3,000 a month on an American Express that I have for my side business.
I've never really tracked points too much or mess with them as I likely should have. I would always just cash them in which was probably not the right thing to do. I was able to secure the airline tickets to Ireland with points.
Using points for reimbursement of charges from the credit card is the lowest redemption you can get. Transferring those points to partners (airlines, hotels, car rentals, etc.) will get you 3x - 4x more money usage. I don't think I've ever done that, as I already have enough travel points to last me a long time. Over the last five years, I think I have sold a website over 2 million Marriott Bonvoy points for $13.6k (just don't get caught, as they will delete your Marriott account and take your points). But it's still the best use of points.
The best card for points will depend on what brand you want to use them for. Branded cards (Chase has four alone for just Marriott, AmEx Delta Platinum, Citi American Air) will give you the most points for just those brands. So it depends on what brand you want to eventually redeem.
Chase's three Marriott cards are here:
https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy
They also have two AmEx cards:
https://www.marriott.com/credit-cards.mi
They have a really good Chase offer right now for a card with no annual fee: spend $2000 on it within three months of opening it, and you'll earn 60k points + 1 free night up to 50k points + the points you will earn from the spend. You'll probably end up with around 120k points after the $2000 spend. That means two nights at an above average hotel (think a hotel that would be $200-$350/night) without any annual fee. Hell, that makes sense for me to do with no annual fee and then never use the card again.
If you want as high as you can get in terms of status (meaning free room upgrades, late checkout, free breakfasts, welcome gifts, etc.), then you'll have to pay. This card has an annual fee of $650, but it's well worth it if you travel. For that $650, you get automatic:
1) $25/month for restaurant charges = $300 annual benefit
2) Free night award annually up to 85k points (think Ritz Carlton, St. Regis) = about $700 hotel room
3) Free TSA precheck or Global Entry membership. Having TSA precheck is a huge time saver at many airports. Not having to take off your shoes, belt, remove liquids, etc. is worth it in itself. If you ever travel internationally, Global Entry is huge when you fly back into the U.S. At many airports, getting through customs could take well over an hour. With Global Entry, you scan your retinas and don't have to answer any questions or wait in line. After flying 8+ hours from Asia/Europe/etc., it is nice to walk right out to your car instead of waiting another hour in lines to get questioned by customs.
4) Priority Pass allowing access to those lounges and their food/drinks at many airports as well as free food at many sit-down restaurants in airports.
5) Platinum Bonvoy status, which is solid. Marriott's priority levels are silver/gold/platinum/titanium/ambassador. Platinum gets you some additional benefits.
So out of that $650 annual fee, you can deduct $300 since I am guessing you'd normally spend $25/month at restaurants.
That puts the cost at $350.
You get an annual free hotel night up to 85k points, which is worth about a $700/night hotel. At this point, if you use it on a high-end hotel, you're well over the annual cost.
You get the TSA precheck/Global Entry fee covered.
You get the Priority Pass with lounges/restaurants (I believe the restaurant benefit is being eliminated for this card, possibly).
You get Platinum status with Marriott.
A bunch of other benefits.
Plus a 95k welcome bonus which is worth about $800 in room costs.
Even if you don't travel much, the high-end hotel stay each year + the $300 in restaurant credits makes it worth it. Even though the TSA Precheck/Global Entry/Platinum status would be duplicate things other cards already give me or that I am already higher in (see below), looking at this card may be smart for even me. The $300 annual restaurant credit is a no-brainer. Now, I have to find another $350 in value each year, and the 85k hotel point stay does more than that not to mention the 95k welcome bonus.
I have two high-end credit cards (AmEx Platinum, Chase Sapphire Reserve). I like them both for different reasons, and as much as I'd like to cut one, the benefits they offer make it worthwhile for me to pay for both.
AmEx Platinum: $695 annual fee; $200/year on airline incidentals (buy United bank dollars or book with Southwest then cancel the flight and get credit); $13/month in Walmart reimbursement for their grocery delivery; $15/month in Uber/Uber Eats credits per month; $100 per year in Saks credit. Those are all things I would pay for regardless, and those cover the annual fee. Then, they have a monthly streaming entertainment credit of $20 for Disney+, ESPN+, NY Times, Hulu, Wall Street Journal (I would buy ESPN+ regardless). They pay for my $189 annual Clear membership so I get to jump ahead of even TSA precheck. They have a $200 hotel annual credit which I've never used. Plus the points accumulated. AmEx lounges at airports.
The fee is high ($695), but I would already pay for more than that amount with the stuff they reimburse. Each year at renewal, I call to ask for any retention offers, and they always have something for me: Spend $2000 over the next two months, and your annual fee will drop to $350, etc.
Even if the fee isn't reduced, it would still be worth it financially for me.
Chase Sapphire: $550 annual credit; $300/year on most types of travel expenses (airlines, hotels, toll roads, Uber, buses, trains, parking lots, etc.; TSA Precheck/Global Entry; lounge access.
I should probably end up getting those two other cards.