Posted by William Charles on January 24, 2019
Hotel Rewards

Published on January 24th, 2019 | by William Charles

84

Should I Sign Up For AmEx SPG Personal & Chase Marriott Business Cards Before They Are Discontinued?

Yesterday we found out that both the The Starwood Preferred Guest® Credit Card from American Express will be unavailable to new sign ups on February 12th, 2019 and the Chase Marriott Rewards® Premier Plus Business Credit Card will be unavailable to new sign ups on February 12th, 2019. Some readers wanted to know if they should sign up for these cards before they are discontinued.

American Express SPG Personal

This card currently offers a 75,000 point sign up bonus after $3,000 in spend within the first three months. The annual fee of $95 is waived for the first year. If you’ve had this card before you’re not eligible for the sign up bonus a second time. In addition you’re also not eligible if:

…have or have had The Marriott Rewards® Premier Credit Card from Chase, The Marriott Rewards® Premier Plus Credit Card from Chase, The Marriott Rewards Credit Card from Chase, or The Ritz-Carlton Rewards® Credit Card from JP Morgan in the last 30 day

By signing up for this card you’ll also become ineligible for the sign up bonus on the Marriott Premier Plus (both personal & business version). My opinion is that if you’ve never had this card before you might as well sign up because you won’t get the opportunity to again. The sign up bonus of 75,000 points is weak compared to other previous bonuses, but you can’t really complain given how many opportunities you’ve likely had in the past to sign up with a bigger bonus.

Chase Marriott Business Premier Plus

Update: Looks like the 5/24 rule does not apply to this card.

Sign up bonus on this card is 75,000 points after $3,000 in spend, annual fee of $99 is not waived. Keep in mind the Chase 5/24 rule applies to this card so most won’t be eligible, that being said as it’s a business card it doesn’t count towards your 5/24 total. The other downside is by getting this card and sign up bonus you won’t be eligible to get the sign up bonus on the SPG Luxury or SPG business card for 24 months. If you’ve already had/have those cards and are under 5/24 then I guess you could sign up for this offer but with the annual fee being unwaived it’s not particularly attractive.

Our Verdict

Neither sign up bonus is great, I guess it could make sense to pick up the SPG personal card but I’d most likely avoid the Chase Marriott Business card for the majority of people.

 



84
Leave a Reply

avatar
 

  Subscribe  
newest oldest most voted
Notify of
Mike
Mike

I have had the SPG personal card 10 years ago. Should I try it again this time?

JF
JF

There are a lot of DP’s of people getting bonuses again after 7+ years. You should contact AmEx and ask if they have record of you holding the card before.

Mike
Mike

Thanks, will try.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Totally disagree! Mike Should not contact Amex. Thats a horrible idea. Thats just asking to get the bonus denied. Apply spend and wait you will most likely get the bonus.

JF
JF

That’s probably a better idea, most people I can remember contacting AmEx about holding a card before was before the pop-up indicator became a thing. Better to apply, and if there’s no pop-up saying you won’t get the bonus, meet the spend and hope for the best.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Yup, thanks for not getting offended like others on this site. Just did not want him to call Amex and ruin the bonus for him.

Beth
Beth

Actually, I called AMEX for another reason awhile back and then when they asked if there was anything else he could do for me—I casually asked “you know I see ads for this AMEX card but I cannot recall if I ever had it” CSR looked and said nope-you haven’t (I have, but over 10 yrs ago)

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Personally wouldn’t recommend it, things are much more strict now.

james
james

This is the correct course, with a slight modification. Via chat just ask what cards you have had before (not specifically that card). They will tell you. If one of your older cards has dropped off their radar, you will know it and you will get the bonus. Personal experience.

Dan
Dan

You should try it again. Amex bonus pop up tool will tell you if you are eligible for the bonus or not. If you don’t get the popup, you are eligible for the bonus. At 10 years, you are certainly eligible.

Hadley V. Baxendale
Hadley V. Baxendale

I did this and I did not have the card for 4 or 5 years and I did not get the pop-up.

I received the card and put the spend on it last year and got the bonus!

So, YMMV.

Larry
Larry

My wife got the SPG personal card a couple years ago after having the card more than 7+ years ago. She got the bonus without calling or contacting Amex about it.

Not sure if the pop up bonus at application time was active then and wouldn’t have applied if it showed.

Zalmy

My friend just got the personal Plat again, had it 5 years ago, and received the bonus 🙂

DS
DS

How do we know 5/24 applies to the Chase Marriott card? There have been no DPs of this in your post about 5/24 expanding.

Parts Unknown
Parts Unknown

It applies to all Chase cards now.

DS
DS

You are parroting a rule without proof. We learn rules like this based on DPs. Where are the DPs for this card? I have yet to see one.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

You clearly have been living under a rock. Look on reddit, theres plenty of DP’s and if you’re so sure go apply for yourself and get denied.

DS
DS

There is not a single DP for THIS card on reddit. If I’m wrong, I’m wrong – but prove it. Just like there is no DP for the aer lingus card.

Looking for DoC’s input

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Settle down, you’re irrationally fired up about a credit card rule. DoC gave his input “Keep in mind the Chase 5/24 rule applies to this card so most won’t be eligible” I would love to be proven wrong in this. Go and apply instead of yelling at a stranger on the internet.

Mjs
Mjs

Well said! Only think worse than habitual spoon-feeders are people that don’t bother following well-publicized changes but want to argue the earth is flat.

DS
DS

I’m the one that needs to settle down while you begin your opening comment with a jab about my living under a rock? How am I yelling? You’re nuts…

This hobby was built on people pushing the limits. Color me skeptical. And while I assume that 5/24 applies, I’m just looking for a DP. Anyone?

Dan - Legal Bank Robber
Dan - Legal Bank Robber

They don’t exist. You’re not gonna find a DP. You’re not “assuming the 5/24 applies” You’ve been claiming and continuing to argue that “there no DP, no proof” of 5/24 exists. No one wants to go waste a HP. These rules are pretty hard set, unless theres a paper app or some preapproved offer. Theres no way to circumvent it at this current time. If you want to push the limits go for it, but I doubt anyone will join you.

DS
DS

Wrong. I never said the rule doesn’t exist. Re-read my comments. So no DPs exist for this card? Got it.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

No, you’re not gonna find a DP from yesterday or last week I mean. These were just recently discovered in the last month or so that this applies to all cards. I don’t think Chase is just gonna randomly make it easier for those who they deem are “gaming” their reward system to acquire their cards.

DS
DS

I accept your apology.

Kierk
Kierk

Yes I agree with you. We should push the limit! Why don’t you be the DP for us?

DS
DS

I applied and got a 30 days message on the phone. The email says “We have received your request for a Chase credit card. We’ll let you know our decision as soon as possible.”

In my experience, this is not the typical 5/24 denial language. I’ll update with results.

Phill
Phill

Just apply and be your own DP…cheers!

Hadley V. Baxendale
Hadley V. Baxendale

Agreed!

Scott
Scott

No DP of it being subject to 5/24, so you’re good to apply. Report back when you’re approved!

Alex
Alex

I know it seems like all chase cards are under 5/24, but I had the same thought as DS. I’d ask “why wouldn’t chase want everyone to get a card of theirs that is about to be discontinued?” As DoC mentioned it’s not a terribly good offer or a card worth continuing to spend on, so I’m not going to be the dp. DS was asking a simple question for data points specific to this card, and all everyone could say is “you be the data point, cause you’re right, we don’t actually have any”. It didn’t fall under 5/24 before Hyatt did, so It’s possible it still doesn’t, right? Lots of data points for the hyatt card cause that was a better offer, but all those Hyatt data points don’t imply EVERY card is subject. I get that seems that way, but the thought crossed my mind, just like DS.

Jr
Jr

Anybody with the handke Legal Bank Robber should NOT be listened to.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Good one asshole. How bout you either go back on your main account or if you’re actually new go fuck yourself.

Joe
Joe

@Jr he’s actually a very helpful contributor on here. You actually should listen to him, you can legally rob banks of $10s of thousands with his advice.

Newbie
Newbie

I was denied Marriott last year 5/24 (2AU), my husband got denied Hyatt last month (4/24 and 3AUs). credit score 820 plus. Chase is dead to us now, dont even read news about them. Sapphire bank UR is the last deal.

Nick
Nick

Why don’t you apply and be the DP you want to see?

Emmanuel Ruiz
Emmanuel Ruiz

I applied for the Chase Marriott Business card exactly 6 days ago. I am @ LOL/24. It went to pending. I decided to just leave it alone, not call recon and cross my fingers. Just now, I checked the status line and simply got the message that I was approved. So, my advise to you folks who really want to get this card is to go ahead and apply, if it goes to pending then so be it. Wait it out and you might get approved still. My mistake a year ago was, after my app went to pending, I called recon, got grilled of course only for him to turn me down due to too many new accounts. Lesson learned from Chase. I will never call their recon unless they flat out deny me and then I’d call in and plead my case. Only then would I propose credit shifts between cards and stuff.

Dan Wright
Dan Wright

Your first sentence says the SPG Personal is unavailable after January 23rd, but it is available until February 12th same as Marriott Business.

DD
DD

What is the point value for the Amex SPG card? I don’t travel much these days so typically cash out any/all rewards from churning. With the Amex SPG card, is that even an option? If not, what does 75,000 points get me in terms of value?

Paul
Paul

These are not easy points to cash out for any meaningful value. Best use, value wise, is for 5 nights at a hotel (since the 5th night is free) or for select airline transfer partners given the “kicker” they give on point transfers. However, 75k isn’t going to get you very far on these.

Hadley V. Baxendale
Hadley V. Baxendale

The real value of the card will be the Cat 5 certificate — If Marriott does not drastically use peak awards on all hotels and for lengthy periods, then the investment will be worthwhile. If not, then it could be problematic for someone who does not frequent Marriott properties.

For those who do, however, IMHO, it is worth the risk.

Scott
Scott

I applied and was approved for AmEx SPG just now, never had it before, on 1/24.

geoff
geoff

Why do you say that you should apply for the Amex SPG Personal now before it’s “discontinued”? My understanding is that the card is changing over to the Amex Marriott Bonvoy Personal. If you applied for the SPG now, you would be ineligible for the new card, right? Seems like it would be better to wait and see if the new card comes with a higher bonus.

TomT
TomT

What am I missing? The article, written on 1/24/2019, states:

“The Starwood Preferred Guest® Credit Card from American Express will be unavailable to new sign ups on January 23rd, 2019”

The Verdict states:

“I guess it could make sense to pick up the SPG personal card”

Why would there be any discussion about whether you should get the Amex SPG card that is now unavailable?

Andrew D
Andrew D

The post is incorrect, should read February 12th. See https://credit-cards.marriott.com/en-us/amex-us

james
james

So do we know if these cards will eventually be phased out for current holders? I hold both and would like to know.

MPE
MPE

They aren’t, they are being transitioned to the new portfolio. If you hold it already you are fine.

Billy Bob
Billy Bob

“Starwood Preferred Guest® Credit Card from American Express will be unavailable to new sign ups on January 23rd, 2019”

Are you sure about that date? Today (24th) I can still get an application link.

ellisder
ellisder

The annoncement pages says “American Express will no longer accept new applications for the Starwood Preferred Guest® Credit Card from American Express after February 12, 2019.”

https://credit-cards.marriott.com/en-us/amex-us

Justin
Justin

What about the SPG Business? Same conclusions as the SPG Personal?

Andrew D
Andrew D

SPG Business isn’t going away and has the same not so great sign up bonus as the other cards. No real rush to get it, seems like a pass unless you’re trying to get/stay below 5/24 and have run out of better biz card options.

Justin
Justin

Thanks but the previous article states the following:

The Starwood Preferred Guest® Business Credit Card from American Express will become Marriott Bonvoy Business™ American Express® Card. Annual fee will be increasing from $95 to $125 (If your application is received before 3/28/2019, the introductory annual fee will be $0 for the first year of Card Membership, then $95)

Andrew D
Andrew D

Same card new name, sorry for not being more clear. I guess if the $30 fee change is a big deal, still doesn’t seem that intriguing. Much better biz cards to apply for depending on how many personal cards in the last 24 months you’ve got on your credit report.

Justin
Justin

Got it thanks

Rheana
Rheana

Doc/Experts, Please advise me ASAP……..I currently have the SPG Personal AMEX card for which i applied in March 2018 and got their bonus. Can i currently apply for the Marriott Rewards Premier Plus card by Chase and get their account opening bonus of 75k points? i could not properly understand the language on their restrictions of who/what can get this card bonus if applied on their webpage.

king
king

For someone who’s never had any Marriott card, is it worth it get the SPG Personal? I feel like the weak sign up bonus might not be worth becoming ineligible for the Marriott Premier Plus. Thoughts?

Alex
Alex

Tried to apply for SPG Personal. Never had any SPG or Marriott cards before from either Chase or Amex (still have Amex Hilton Ascend card). Amex website was even showing me as pre-approved for SPG card. This is what I got:

“Based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer.”

DCE
DCE

I understand the SPG cards are being converted to Bonvoy cards. Not a new product. If you apply for the SPG for 75K you are done for life (or 4 or 5 years). If you don’t really need the points I would wait for a 100K offer on the Bonvoy card.

JC
JC

I’m desperate to get some Marriott reward points. I was originally planning on applying for the Chase Marriott card as I am just under 5/24, but I am not convinced I will get approved since I have another 6 Chase cards already. Am I better off just applying for the Amex SPG card before it goes away (I had it more than 10 years ago)? If I decide to apply for a Chase card now, is the WoH or IHG a better option? Thanks

Back to Top ↑