Posted by William Charles on August 27, 2018
Credit Cards

Published on August 27th, 2018 | by William Charles

71

New Chase/American Express SPG/Marriott Rules Are Now In Place

Just a friendly reminder that these new rules are now in place. We will remind you of these rules in the future when discussing these cards.

Last month we lead with a story that it was rumored American Express would be limiting who was able to get the sign up bonus on the SPG Luxury card, what was unusual was that they would be looking at what Chase Marriott cards applicants had recently had. This has now been confirmed and it will affect all Chase Marriott & American Express SPG cards. Readers have asked for more details, so here we go:

  • These new rules will go into place on August 26th, 2018
  • Chase & American Express won’t talk directly, they will be going through Marriott to check for eligiblity

Rules

Please note when we refer to the Marriott Premier Business card, this includes the Premier Plus business card (Premier Business cards will become Premier Plus).

Chase Cards

I assume the Chase 5/24 rules will still apply and that you’ll also be restricted to receiving the bonus once per 24 month period.

Marriott Rewards Premier Plus

  • Currently have or have had any of the following cards in the last 30 days: SPG personal card
  • Have acquired any of the following American Express cards in the last 90 days:
    • SPG Luxury
    • SPG Business
  • Have received a welcome or upgrade offer on any of the following American Express cards in the last 24 months
    • SPG Luxury
    • SPG Business

Marriott Rewards Premier Business

  • Currently have or have had any of the following cards in the last 30 days: SPG personal card
  • Have acquired any of the following American Express cards in the last 90 days:
    • SPG Luxury
    • SPG Business
  • Have received a welcome or upgrade offer on any of the following American express cards in the last 24 months
    • SPG Luxury
    • SPG Business

Ritz-Carlton

No longer being offered

American Express Cards

In addition to the rules listed below, I presume that the once per lifetime rule still applies as well.

SPG Luxury

You’re ineligible if any of the following are true:

  • Currently have or have had any of the following cards in the last 30 days: Ritz-Carlton Rewards Credit Card from JP Morgan
  • Have acquired any of the following Chase cards in the last 90 days:
    • Marriott Rewards Premier Plus
    • Marriott Rewards Premier
    • Marriott Rewards Premier Business
  • Have received a welcome or upgrade offer on any of the following Chase cards in the last 24 months
    • Marriott Rewards Premier Plus
    • Marriott Rewards Premier
    • Marriott Rewards Premier Business

SPG Personal

  • Have or have had any of the following Chase cards in the last 30 days:
    • Marriott Rewards Premier Plus
    • Marriott Rewards Premier
    • Marriott Rewards ($45 annual fee card)
    • Marriott Rewards Premier Business
    • Ritz personal

SPG Business

  • Currently have or have had any of the following cards in the last 30 days:
    • Marriott Rewards Premier Business
    • Marriott Rewards Business ($45 annual fee card)
  • Have acquired any of the following Chase cards in the last 90 days:
    • Marriott Rewards Premier Plus
    • Marriott Rewards Premier
  • Have received a welcome offer for any of the following cards from Chase in last 24 months:
    • Marriott Rewards Premier Plus
    • Marriott Rewards Premier

Our Verdict

Obviously bad news for churners. Marriott personal cards were already out for most readers due to the 5/24 rule, and most readers would have also already received the sign up bonus on the SPG cards previously as well. Main downside is the restrictions on the Luxury card and Marriott business card.

Hat tip to VFTW for the card specific rules



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Zoomzoomzoomie

So this goes into effect on 26 August. SPG lux comes out 1 August. Is that a safe time to apply and get the bonus? Any ideas on that?

So does this mean there will be a brief window to acquire the SPG luxury card at the beginning of august, even if you will be restricted from august 26 onwards with these new chase/amex bonus restrictions?

This seems to contradict your previous post. So you’re I am eligible for the luxury can if I have both SPG personal and biz? I don’t have any Marriott cards or ritz cards.

They offered me only 15k bonus, since i already have spg personal

For everyday spend then, SPG Business and Ritz-Carlton combo FTW!
(For who was able to secure them before the RC disappeared of course :))

Everything else can now be discarded and closed…

How SPG Business is beneficial for everyday spend after Aug 1st? With 2 Marriott points per $1? Please forgive me if I am missing something here and explain.

(Have it and was considering to close it as anniversary comes.. although need to check if it now will bring a certificate… still has nothing to do with everyday spend)

I’m so excited for this.

Not sure about the others, but the Marriott premiere plus is incorrect. The card webpage says ineligible if you have had or received a bonus on Spg personal or biz within 24 mo.

Hmm I currently have Ritz and plan to keep it. Goodbye SPG Luxury

I’m still confused. I had the SPG personal and business card a year ago. Currently, I have the Marriott Biz card. I received my welcome bonus on the Marriott Biz card back in April, which is longer than 90 days, so can I apply for the SPG Luxury card and receive the bonus?

No; you got the welcome offer for the biz card less than 24 months ago.

What will happen to the 2 free night certs for the Ritz? Is it better than to go for the Luxury where you can stretch the 125k sign up bonus to cover more nights, like three Cat 5?

I’m guessing Marriott will be checking for eligibility based on the Marriott/SPG account number you enter in the application? Marriott/SPG wouldn’t have your SSN, and there are many duplicate names (unless they look at name and address).. So maybe you can get approved by not entering your Marriott/SPG account number, then later merging your accounts?

Really interesting theory, I have the Ritz Carlton and really want the SPG luxury without having to cancel it. This might be a feasible way of trying for the points. Not even address could be used because my Marriott address hasn’t been updated and my Amex has.

As long as you’re willing to risk your main account, you could try it.

So … if I have a legacy Amex SPG card, I shall still be eligible for the signup bonus of the new Amex SPG Luxury card? On the other hand a Chase Marriott card will make me ineligible? That’s very interesting (and confusing, to be honest) …

So if I’ve had the Marriott business card over 90 days, and I currently hold the SPG personal card, there is not a restriction that prevents me from getting the SPG luxury card and receiving the bonus?

There is, he updated it

How will know if you ever had it? Will it be through the Spg account (I would hope:)

Doc,

Think you have a copy/paste error here:

Have received a welcome or upgrade offer on any of the following Chase cards in the last 90 days
SPG Luxury
SPG Business

The above cards are not Chase cards

Hey Doc, your section for SPG Luxury says if you acquired OR received a bonus in the last 90 days. But Gary’s article says if you acquired in 90 days or received a Welcome Bonus in the last 24 months. Do you know which is right?

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