Credit Cards

Amex imposes “family rules” to their Marriott cards

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You can read our full list of Amex application/eligibility rules here, but over the past few months we’ve seen Amex get more stringest on their rules especially when it comes to “families” of cards. This is being referred to as a “family rule” and something that we’ve seen Citi enforce in the past as well…although less so these days. First it hit the Delta cards, then the cashback cards, Amex Plat/Gold, and now it’s come to Marriott’s doorstep.

As first reported on, It looks like Marriott cards issued by Amex have become even more difficult to qualify for ( as if they weren’t ridiculously complex with the intra Amex/Chase rules ), with Amex now imposing a family rule. What is that rule?

Basically, if you’ve had a more premium version of an Amex Marriott co-branded card, you “may” not be eligible for the welcome offer on a lower level card. This is seen on the Bevy card with language highlighted below on the first two lines – now mentioning having had the Brilliant card in the past could preclude you from a bonus:

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
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  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  • Jacob B. December 23, 2023

    Many thanks to all the influencers, youtubers, and vlogers who taught the massess how to game the Bonvoy cards to get many different sign up bonuses, which not surprisingly have pushed the credit card companies to close off all the great SUB opportunities and tricks left and right. Credit card companies are NOT in the business of enabling the public to get massive amounts of “freebies” from them… so expect more of this to come in 2024. It was great while it lasted but its only going to get worse as the CC are turning the tables on the gamers.

    • DaninMCI December 24, 2023

      I agree with this to some degree. Another thing that has changed is that the antiquated IT systems that hotels, airlines, and credit card companies have had to control this in the past are becoming more up to date and it’s easier to track churners.

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