Item 6 in the wikipost at the top of this thread.
According to Marriott's terms, points reservations can be gifted to another person but certificates earned from a credit card cannot. This means the certificate owner (cardholder) must check-in even if someone else is listed as a guest on the reservation. In some cases a property has given leeway and allowed just the guest to check-in anyway without the certificate owner present, but it is risky to depend on this.