I currently have the Marriott Rewards Premier Credit Card from Chase and received a mailing last week that might make me start using this card more often when I travel internationally. Originally, I was using this card all the time as I was staying at Marriott hotels 100+ times a year. After my travel habits changed and I found credit cards I liked better, I stopped using this card pretty much, but held onto it to receive my free hotel night (cat 1-5) each year and 15 nights towards elite status. I figured that the $85/fee a year was worth it to get a free night that I typically redeemed for a $150-$200 room.
The new enhancements are the following:
- No foreign transaction fees on international purchases — many credit cards charge a fee of 3% (for premier card only)
- Trip cancellation insurance — Reimbursement of non-refundable passenger fare due to covered cancellations and emergencies when tickets are purchased with your card (for both silver and premier card)
- Trip delay reimbursement — If your trip is delayed by more than 12 hours due to a covered event, you can be reimbursed for reasonable expenses, like meals and lodging (for both silver and premier card
Many times I am asked the difference between the regular (silver or blue) card and the premier (black) card. Due to the higher annual fee of the premier card, many people resort immediately to the silver card without realizing that the premier card might in fact be worth spending the extra $40/year.
- For both cards the first year fee is waived (silver card is then $45/year and premier is $85/year)
- Upon account approval, you will currently receive 2 free (cat 1-4) nights with the silver card, but only 1 free night with the premier card — this is not always the case, so make sure to look at the current promotion at the time of applying
- Earn 1 free night (cat 1-5) annually on your account anniversary with the premier card; there is no free night with the silver card
- At Marriott hotels (including room rate and incidentals), earn 3 points/$1 with the silver card, but 5 points/$1 with the premier card
- With both cards earn 1 point/$1 spent on every day purchases
- Earn 1 points/$1 for every $1 spent on airline, dinning, and rental car purchases with the silver card, but 2 points/$1 with the premier card
- Earn 10 night credit towards Marriott status with the silver card, but 15 nights with the premier card
The annual free night alone should swing anyone to get the premier card, unless you 100% will not use it.