No fee Chase Marriott card

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Old Jun 11, 19, 5:07 pm
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No fee Chase Marriott card

If I want to swap my current Chase Marriott card ($95 annual fee) for the new no-fee Chase Marriott card, will i get dinged with the Chase 5/2 rule? What is the best way to do this swap with minimal effect to my credit score, relationship with Chase and impact on my Marriott account?
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Old Jun 11, 19, 5:59 pm
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Call Chase and tell them you'd like to do a product change from your current card to the no annual fee card, preferably after you've held your current card for at least one year.
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Old Jun 11, 19, 6:02 pm
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Originally Posted by Diplomatico View Post
Call Chase and tell them you'd like to do a product change from your current card to the no annual fee card, preferably after you've held your current card for at least one year.
Is there any way to have my cake and eat it too? In other words, can I claim the sign-up bonus?
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Old Jun 11, 19, 6:04 pm
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Originally Posted by puchong View Post
can I claim the sign-up bonus?
Not if you do a product change. That's only for new applications.
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Old Jun 11, 19, 6:12 pm
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Originally Posted by puchong View Post
If I want to swap my current Chase Marriott card ($95 annual fee) for the new no-fee Chase Marriott card, will i get dinged with the Chase 5/2 rule? What is the best way to do this swap with minimal effect to my credit score, relationship with Chase and impact on my Marriott account?
Forbes has an article that includes a section on "Eligibility" for the Marriott Bonvoy Bold card: https://www.forbes.com/sites/ericros.../#510fa11336f2

I'm not impressed with the Marriott Bonvoy Bold card.

For Marriott Bonvoy credit cards with an annual fee, there's also an annual e-certificate for hotel night (category depends on card type). It's easy to get far more value than the annual fee from that. Not surprisingly, there's no such certificate with the no-fee card.

Earning "three points per dollar spent at over 7,000 participating Marriott Bonvoy hotels" may sound good — until you realize the other Marriott Bonvoy cards provide six points per dollar spent at these hotels.

I suppose it could be a good card for someone who wants a no-fee card, seldom stays at Marriott Bonvoy hotels, wants to earn some Marriott Bonvoy points from everyday purchases — and is eligible for the sign-up bonus.

Last edited by Horace; Jun 11, 19 at 6:20 pm
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Old Jun 11, 19, 7:25 pm
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With the sheer amount of Bonvoy credit cards (Amex and Chase, and the crazy alliteration of names for every single one of them), why don't Marriott just name them after status tiers?

Bonvoy Bold -> Bonvoy Silver
Bonvoy Boundless -> Bonvoy Gold
Bonvoy Brilliant -> Bonvoy Plat

Or is that confusing with actual status tiers?
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Old Jun 11, 19, 9:07 pm
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Demographics, it's smart for the credit card issuer and Marriott. They are appealing to the young Instagram demo and hopefully building a long term banking and/or hotel relationship.
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Old Jun 12, 19, 12:47 pm
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Originally Posted by Horace View Post
Forbes has an article that includes a section on "Eligibility" for the Marriott Bonvoy Bold card: https://www.forbes.com/sites/ericros.../#510fa11336f2.
Here is the extract from the Forbes article:
Not everyone is eligible for the new Marriott Bonvoy Bold. Among those consumers who are specifically excluded are those who are current cardmembers of the Marriott Bonvoy Premier credit cards (also known as the Marriott Rewards Premier), Marriott Bonvoy Boundless (also known as the Marriott Rewards Premier Plus), Marriott Bonvoy Bold, or previous cardholders of any of them who have received a new cardmember bonus within the last 24 months. So if you applied for any of these cards recently, you might not be able to get the new Bold version.
So, if OP is a current cardholder (as appears to be the case), the OP may not be eligible for the free card anyway.
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Old Jun 12, 19, 10:32 pm
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Originally Posted by Counsellor View Post
Here is the extract from the Forbes article:

So, if OP is a current cardholder (as appears to be the case), the OP may not be eligible for the free card anyway.
I think thatís to get the signup bonus..
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Old Jun 13, 19, 7:41 am
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Originally Posted by Counsellor View Post
Here is the extract from the Forbes article:.
Actually, there are three paragraphs in the article that deal with eligibility for the card and the bonus — not just one. And those three paragraphs are more meaningful in the context of the whole article. That's why I posted the link to the article, not just a single paragraph, out of context.
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