20 cards ranked
Best credit card to use at Marriott.
HotelsTravel
Marriott Bonvoy is the world's largest hotel loyalty program, covering more than 30 brands from budget Fairfield Inn through luxury Ritz-Carlton, St. Regis, and W Hotels. Direct stays at marriott.com or any Bonvoy property earn the most points and unlock elite-night credits, but the math gets nuanced: co-branded Marriott cards layer extra Bonvoy points on top of base earnings, while general hotel-category cards (Sapphire Reserve, Venture X) often yield higher cashback-equivalent value if you don't care about Bonvoy status. Stays booked through OTAs like Expedia or Hotels.com forfeit points and elite credit, so the in-program booking is almost always the right call.
- #1American ExpressCo-branded Marriott cardHotels participating in Marriott Bonvoy7.2%6x points
- #2ChaseCo-branded Marriott cardMarriott Bonvoy hotels (card portion; Bonvoy member rate and Silver Elite are program rates, not card rates)2.1%3x points
- #3ChaseCo-branded Marriott cardMarriott Bonvoy hotels (card portion; Bonvoy member rate and Silver Elite are program rates, not card rates)4.2%6x points
- #4American ExpressCo-branded Marriott cardHotels participating in Marriott Bonvoy7.2%6x points
- #55.0%4x points
- #65.0%5x points
- #74.0%4x points
- #84.0%4x points
- #94.0%4x points
- #103.6%3x points
- #113.6%3x points
- #123%
- #13Lead Bank3x points on hotelsHotels (also earns 3x on private charters and luxury car rentals — luxury rentals are merchant-gated, see Atlas terms)3.0%3x points
- #143.0%2x points
- #153.0%2x points
- #163.0%3x points
- #173%
- #183%
- #19Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined)3.0%3x points
- #20Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
Last updated May 17, 2026