J.P. Morgan Chase Marriott and Ritz-Carlton / Palladium cards?

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rohnin
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J.P. Morgan Chase Marriott and Ritz-Carlton / Palladium cards?

Postby rohnin » Mon Feb 16, 2015 3:30 pm

Is there any reason to have both the Marriott and Ritz-Carlton cards? As in, are there any benefits the Marriott card might have that the RC doesn't?

Also how hard is it to get the Palladium card in terms of requirements? It seems with a relatively low annual fee compared to a Centurion it shouldn't be that restrictive..


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lobbythis
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Postby lobbythis » Mon Feb 16, 2015 4:05 pm

Do some searching. The Palladium is not some simpleton card as you make it sound.

And the Marriott and JP Ritz are the same. You can only have one membership, so having both cards is pointless. In fact, I'm not even sure you can have both active at the same time.

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Feb 16, 2015 4:11 pm

An annual free night at a Cat 1 to Cat 4 Marriott - the Marriott card offers that, but the Ritz-Carlton doesn't. Be very careful of the difference between Cats and Tiers when booking. You don't get a Tier 1 to 4 place.

Of course, if you like Ritz-Carltons, you might not want to actually stay at a Cat 1 to 4 Marriott. I almost got the Marriott card thinking I could get a free night at a Cat 9.

RC is generally more for people who stay there a lot and want to save a lot of money and get perks while spending a lot of money. There's no simple annual free night - just a $100 credit when staying 2+ nights (plus other perks and credits, of course). I don't think it would likely be a good value unless you're consistently making a consecutive two-night stay every year. How often would you stay at one?

I don't think the Palladium is a good value, but I don't think it's terribly hard to get if you have the assets with Chase.

My further thoughts on those cards are below. In short, I don't like any of them. RC could be good if you're spending a lot of money and time there.

http://creditcardforum.com/rewards/11382-marriott-chase-booking-logistics.html
http://creditcardforum.com/american-express/11033-merrill-lynch-octave-american-express-3.html
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Postby popamode72 » Mon Feb 16, 2015 4:20 pm

Ritz Carlton recently ended their two free night offer (in the form of 140k points after $3k spend) so that would have been the best time to have gotten the card as well as getting those airline reimbursements for 2014 and this year. Marriott and Ritz are very similar products outside of that so if you're interested in any of them, go for the Marriott.

Some people who own Palladium over at MF have shared their experiences using the card and it really doesn't sound as great as it's meant to be.
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lobbythis
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Postby lobbythis » Mon Feb 16, 2015 4:57 pm

popamode72 wrote: Marriott and Ritz are very similar products outside of that so if you're interested in any of them, go for the Marriott.



If you use the $300 reimbursement, aren't they almost the same? Brings AF down to $95 and Marriott AF is $85. And since your membership from one applies to both as well, I'm not even totally sure which is the best. Guess it depends where you stay.

Edit: Didn't know the Marriott has no AF on the first year. That helps.

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Postby popamode72 » Mon Feb 16, 2015 4:59 pm

lobbythis wrote:If you use the $300 reimbursement, aren't they almost the same? Brings AF down to $95 and Marriott AF is $89.


That makes sense. Yeah.
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rohnin
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Postby rohnin » Mon Feb 16, 2015 5:02 pm

Thanks for the responses. I actually have both cards and I did get the 140k point bonus, but of course I don't want to pay two annual fees if I don't have to. Don't you get Gold status with the Marriott card at Marriotts though?

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lobbythis
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Postby lobbythis » Mon Feb 16, 2015 5:08 pm

Well that clears that up I guess. I could have sworn somewhere in the TOS it said you can't have two memberships.

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Feb 16, 2015 6:04 pm

Is it just me, or do RC properties usually offer a higher cent-per-point value than Marriott properties?

I'd rather earn 2x URs with a CSP than earn 2x Marriott points on flights or rental cars. So it's hard for me to give a full $300 value to the credit. The same would apply to the $200 airfare credit on the Platinum Amex.
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Postby takeshi » Tue Feb 17, 2015 9:28 am

rohnin wrote:Don't you get Gold status with the Marriott card at Marriotts though?

Info is on the site:
https://creditcards.chase.com/credit-cards/marriott-credit-cards.aspx
RECEIVE 15 CREDITS TOWARD ELITE STATUS*
With the Marriott Rewards Premier Credit Card, you'll receive 15 Elite Credits after account opening and every year after your account anniversary, giving you guaranteed Silver Elite status every year.


lobbythis wrote:Well that clears that up I guess. I could have sworn somewhere in the TOS it said you can't have two memberships.

The rewards programs are the same so you can't have two rewards accounts but you can certainly have both cards.



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