Marriott has six co-branded credit cards split across two issuers, Chase and American Express, and figuring out which one you're actually eligible for is super confusing.
The rules involve cross-issuer restrictions, 30-day windows, 90-day windows, 24-month restrictions, and Amex's once-in-a-lifetime policy.
It's a lot to figure out.
Check your eligibility
Use the tool below to find out whether you can get the card you want. Just answer a few simple yes or no questions.
Marriott card eligibility checker
Answer a few yes/no questions to find out if you qualify
Understanding the rules
Marriott's eligibility restrictions exist because the card portfolio is shared between Chase and American Express. When Marriott acquired Starwood in 2018, it consolidated the two loyalty programs but kept cards at both banks and layered on cross-issuer restrictions to prevent people from stacking bonuses too aggressively.
- 30-day rule: If you currently hold (or closed within 30 days) certain Marriott cards, you can't get a bonus on the card you want.
- 90-day rule: If you were approved for certain cards within 90 days, including via product change, you're blocked.
- 24-month rule: If you received a welcome bonus or upgrade offer within 24 months, you're out.
- Amex once-in-a-lifetime: Amex won't give you a bonus on any card you've previously held.
- Amex family rule: The Brilliant and Bevy are considered the same "family" — having one may block the other's bonus. If you want both the Bevy and the Brilliant, apply for the Bevy first. The family rule means that the Brilliant can block the Bevy bonus, but not the other way around.
- Chase 5/24 rule: You're not eligible for any Chase card bonuses if you've opened 5 or more cards in the last 24 months.