Posted by William Charles on May 3, 2018

Published on May 3rd, 2018 | by William Charles


Chase Marriott Premier Vs Chase Marriott Premier Plus – Should You Upgrade?

The Chase Marriott Premier Plus is now accepting applications, in addition Chase Marriott Premier cardholders can now upgrade to the Premier Plus and receive a bonus of 0 to 50,000 Marriott points. Let’s compare the two cards to see what the differences are and whether it makes to upgrade or not.

 PremierPremier Plus
Annual Fee$85$95
Free night certificate on anniversaryCategory 1-5 properties (up to 25,000 points)On any property up to 35,000 points
Trip Cancellation InsuranceYesNo
Trip Interruption InsuranceYesNo
15 Credits Towards elite statusYes, plus one for every $3,000 in spendStarting in 2019, no additional ones with spend
Elite status(This card gives Silver status due to the 15 night elite credits)Silver status, plus gold if you spend $35,000 each account year
Points earned at Marriott/SPG properties5x6x
Points earned on all other purchases1x2x

In addition to this upgrading will also give you anywhere from 0 bonus points to 50,000 points. There are a few things I’m unclear on:

  • How the increase in annual fee works. Are you charged an additional $10 regardless of when the annual fee on your Premier card posted? Or is it prorated based on how long is left in your card member year? One thing I do know is that if you’ve had the card for less than a year you won’t be charged anything additional due to the CARD act preventing this.
  • The differences between the free night certificates. The original Premier card offers a free night at any category 1-5 property, under the new joint program a category 5 property costs at least 35,000 points until January 1st, 2019 with the introduction of peak/off peak pricing and even then it drops to minimum of 30,000 points. I had assumed this was an error, but are the free night certificates on this card being devalued?
  • What happens with the 15 credits for elite status. I assume if you’ve received this on the Premier card already, then you won’t lose them when you upgrade but the Premier Plus card specifically states that benefit isn’t coming until 2019 so maybe they will retroactively take them away?

It’s a shame that the F.A.Q doesn’t address any of these questions. One thing it does make clear is that your account information will stay the same, but the CVV/security code will change. This means the information on your credit report will also stay the same and upgrading will not affect your 5/24 status. Upgrading should also not affect when you’ll be eligible for the bonus again (this is based on when you last received the sign up bonus and I doubt the upgrade bonus will count).

Most readers will want to know, should I upgrade or should I not upgrade? Personally I’d just wait until we get a bit more clarify on how this upgrading process works. I think for most people upgrading will make sense (especially with the free night certificate difference) but keeping the old card might make sense in some fringe cases and even more so if the free night certificates are identical.


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Uh, point earning amounts are reversed in the table.

You misplaced the last two items in table

Agree. Numbers in the last two rows need to be swapped.

The 15 elite status credits from the Premier should get you to Silver status, doesn’t it? Was that just next year? So it doesn’t really matter that it does not give you Silver directly, if you’ve got the card in 2017..

Correct – it may hint at a future revenue requirement for Silver status if you don’t hold the card somewhere down the line. Possibly something like “15 nights + $1000 spent at Marriott properties” in order to hit Silver, which could be avoided by holding the card.

Here’s another interesting question for ya…Can this be downgraded back to Premier?

The terms and conditions of the upgrade offer says “One benefit of your new Marriott Rewards Premier Plus account is an Anniversary Free Night Award e-certificate every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level at or under 35,000 points, instead of the category 1-4 hotel e-certificate valued up to 20,000 points you received on your Marriott Rewards account.” It looks the last sentence is referring to the “Marriott Rewards *Premier* account? If that’s the case, I’m afraid the free night certificate on the original Premier card is going to be devalued.

So if I just received the free cat 1-5 night a few days ago and I upgrade, I can do anything up to 35k if I book this year? Also, does upgrading put me at risk for a shutdown at all?

Hadley V. Baxendale
Hadley V. Baxendale

Doubtful, you will likely have to wait until next year to get the new certificates.

Moreover, from the language cited, if they are re-classifying your account anniversary year, then they MAY expect you to wait yet another year to get the new certificates,as they are awarded upon your annual account anniversary, which you would have just changed.

Hmm, but I’ll still keep my current free night & my 15 nights towards elite status right? Seems like it’d be worth $10 to get the 10k, but I am going to try calling for a retention offer after work today too

Hadley V. Baxendale
Hadley V. Baxendale

As I noted below, if it already has been awarded, at least in the past, they have never attempted to claw it back.

I don’t know how they will handle prospective upgrades of the card for those who have not received their annual certificates — perhaps if they are will enough ahead, they will keep them on their old date and only change those who already have received their certificates — like me.

That would then explain the language that one’s anniversary date MAY change.

Also, definitely call for a retention offer.

When the news of this first hit a couple of weeks ago, I called to complain about the new card and that I already had received the old cert. They gave me a $50 retention offer which more than offset the $85 annual fee, because paying essentially $35 for the Cat 5 cert and the ability to still earn 1 elite night per $3,000 spend more than offset the loss of 1 MR pont on hotel spend. Further, having the Chase Sapphire Reserve means that it would be foolhardy for me to use the current or new Marriott card on anything but Marriott hotel stays.

Hi Hadley,

What is the reason you said for the retention and what number you called? Thanks!

Hi Hadley,

What is the reason you said for the retention and what number you called? Thanks!

Hadley V. Baxendale
Hadley V. Baxendale

I called the number on the back of my card. I had called before they released the new card but I knew that it was going to be better.

if i staple or glue the two cards together, does that combine both benefits into one card?


James Silver

I wonder if I already have chase premier, can I also apply premier plus?

Of course you can! You can even apply if you’re currently at 99/24. The pertinent question is: will I be *approved*!

Well damn, my card anniversary was yesterday and I just got the old cat 1-5 cert and 15 elite nights deposited yesterday afternoon.

I don’t want to lose those elite nights since I will have 30 elite nights from the old personal + biz card this year and it puts me 4 nights away from 50…

Chase/Marriott wouldn’t take those away if I upgrade would they?

Hadley V. Baxendale
Hadley V. Baxendale

They have never clawed them back to the best of my knowledge.

Will it should be noted that the “new” silver elite benefit isn’t really new… The 15 elite nights you got each year from the old card was enough for silver anyway so it was essentially automatic

Another option is to downgrade to the regular Marriott Rewards card (see “additional cards” at this link)

This would be useful for someone who wants to still be able to access the 1 free elite credit on $3,000 spend and who knows, maybe the 10 free night credit will stack (I don’t recall seeing anything about this specifically during any of the Marriott announcements. They addressed the 15 night elite credits only working once, I presume this won’t work, but we all know the system is weird sometimes).

Someone could then sign up for the premiere as well.

I highly doubt this is useful to most people but I might give it a try after i get my free night cert in June. Just to keep those 2 reasons i Mentioned as I already have the SPG and SPG Biz.

FrequentMiler did a post on this awhile back.

Hadley V. Baxendale
Hadley V. Baxendale

Don’t think so. The current card is being retired and I do not think you will be able to downgrade to it. I think that instead, you would be downgrading to the $45 card which makes no provision for the 1 elite night.


Correct on the $45 card

Incorrect on elite credit. See this site listing that benefit and the different cards

Via Secured Message on chase’s website, I attempted to downgrade my Marriott Premier card I’ve had for 4 years at the end of last week before the new Plus was available…they said it was not an option.

Chase no longer allows product changes via SM. You have to call. I am not saying they will allow it, just saying that you might be running into a different problem.

Are Premiere and Premiere Plus stats reversed? The way it looks on the chart, the Plus is a huge downgrade lol

Just the point earning rows are flipped. The other rows are correct.

When I asked @ChaseSupport about the free night certificate via Twitter DM on April 16th, they said the following. If their response is accurate, seems odd that this new comparison chart still shows the wrong information. Would be nice if Chase put out an official public statement on the issue.

Me: “After the program changes announced today, will the free night certificate for the existing Marriott Rewards Premier Visa be valid at Cat 1-4 hotels (up to 25,000 points) or Cat 1-5 hotels (up to 35,000 points)??”

@ChaseSupport: “To confirm the benefit for the free night is for Cat 1-5 hotels(up to 35,000 points). ^JM”

“Upgrade” to earn less points??

I’m considering signing up for this card…but until they reveal which properties are in which categories, it is hard to peg the value on the 100k bonus. And the $5k min spend is steep

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