Marriott Will Offer Both Amex and Chase Cards Going Forward!

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Marriott Rewards® Premier Credit Card
Starwood Preferred Guest® Credit Card from American Express

Hilton used to offer both American Express and Citibank Visa, Amex will get that co-brand exclusively starting next year. American Airlines has a dual issuer arrangement with Citibank and Barclaycard, a complicated deal to maximize revenue that leveraged the historical relationship between Barclaycard and US Airways and Citibank and American.

Dual issuer arrangements aren’t limited to the US. For instance Etihad has cards issued in the UAE both by the Abu Dhabi Investment Bank and the Abu Dhabi Commercial Bank.

The two biggest issues in offering a combined loyalty program after Marriott purchased Starwood have been who would issue the credit card and getting the IT for a single program done and also rolled out across all of their hotel properties.

Now we know what’s going to happen with the credit card piece, which is the huge revenue driver. There will be both Chase and American Express cards and in fact we will see “new co-branded products next year” with:

AmEx providing super-premium and small-business cards and JPMorgan offering mass-consumer and premium-consumer cards, the three companies said in a statement on Tuesday. In the meantime, both issuers will retain their existing portfolios and continue to offer their current products.


Starwood’s Al Maha Desert Resort

The Starwood Preferred Guest Credit Card is the second biggest co-brand product American Express has and “accounts for 5 percent of the company’s loans and 2 percent of total spending on the firm’s cards.”

With new products coming, it may be a good idea to get the existing ones now. For instance while American Express is expected to keep its existing portfolio, it sounds like they will have new products — and Chase’s focus on the “mass consumer and premium consumer” market could mean that American Express won’t be able to add to its portfolio for the existing product. More good news on the American Express side is that once in a lifetime per card bonuses mean new cards offer new bonus opportunities.

There are several advantages to getting the Marriott card as well.


Ritz-Carlton Laguna Niguel, Credit: Ritz-Carlton

(HT: @IadisGr8)

Marriott Rewards® Premier Credit Card
Starwood Preferred Guest® Credit Card from American Express

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. For now, my SPG Amex earns 3 Marriott points (1 spg) per dollar for unbonused spend. But my Chase Visa earns only 1 MR point per dollar. Do you expect that Amex earn rate to continue for legacy/grandfathered consumer cards, once the integrations are final?

  2. A few months back the wife and I hoped on bot SPG Amex (personal and biz) and really loved the value in being able to transfer them over to airlines (especially with the 5K bonus per 20k points transferred). We really do not have use for SPG points and since my job requires much less travel moving forward, the ability to add to account balances is diminished. Having said that, we were tossing around the idea of getting the Marriott cards, maxing out the bonus, auth signer add on’s and such and then moving the points in the the SPG accounts to maximize airline travel options. We are loving the flexibility between the two programs.

  3. This is good news indeed. So far Marriott has not let me down. This was a big one for me. I remain cautiously optimistic that they will preserve the benefits which have inspired me to be so fiercely loyal to Starwood for so many years.

  4. Would love to get Chase to make the personal Marriott exempt from 5/24, but I guess theres been no speculation there.

  5. Why would anyone keep a Chase Marriott card after getting the bonus when you can get 3x points per $1 using SPG Amex? The Cat 1-5 room is virtually worthless in California, Hawaii & NYC.

  6. The great feature of being able to transfer SPG points to airline miles with a 25% bonus is a feature of the SPG program and not of the American Express card. Marriott’s program is quite weak in this area, even when using the vacation packages that contain miles. I just hope that the combined programs will still offer the same benefit.

  7. On another site, I have just seen an estimate for the value of a Starwood (SPG) Star Point of $0.022. Formerly I have read the same site estimates of a Hilton Honors point to be $0.002, Marriott Rewards point $0.004 and IHG Rewards point $0.005 or $0.00525 including the +5% with its credit card.
    Also, I have calculated an Honors point to be worth approximately 1.125% and a Marriott Rewards point to equal about the same as the other site’s prior estimate of 0.08%.

    Are these values inline with your current estimations? And what are the percentages for all of the hotel loyalty points listed here?

    Obviously, these amounts need to be taken in context of how many points you earn per dollar spent and with the exchange values of hotel stays, etc.

    BTW, although all depends on what benefits each individual uses, the current combination of Hilton Honors and the AMEX Honors card (points earned are more valuable in exchanges and Diamond status is reachable by annual spending of $40,000) and worth about 1.125% is heads above the combination of Marriott Rewards and JP Morgan Chase (mostly due to the very poor Marriott Rewards credit card worth 0.08% and a nearly worthless annual stay that has not been upgraded in years as the Hotel Tiers of most of their major brand hotels have increased regularly. I also hope that Marriott an , even more likely, that Chase does not ruin the combined programs of Starwood (SPG)/AMEX. I also find the Hilton Diamond and AMEX services to be excellent, the Marriott Rewards service to be good and the Chase service to be terrible and show no loyalty to Marriott.

    Than you for your great service, it is great to see someone calculate these useful values for those of us who appreciate the information, confirmation and use them.

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