One of the best perks of Marriott Bonboy Family Credit Card Free elite night credits received every year. It ranges from 15 to 25 nights. Additionally, if you hold both your personal and business credit cards, you can earn up to 40 elite night credits each year from your card alone.
It’s a head start for elite status every year. Let’s explain the value you get when holding both personal and small business Marriott cards.
Get 80% of the benefits of platinum status and selection
Holding personal and business Marriott cards is worth it if you are eligible, as you can stack Elite Night Credits. Some Marriott credit cards come with 15 elite nights each year. Marriott Bonvoy Boundless® Credit Card (look Fees and fees). but, Marriott Bonvoy Brillion® American Express® Card It offers 25 elite night credits per year.
Some of the Marriott cards and American Express Platinum Card It also provides gold elite status (Registration is required, conditions apply) or the ability to gain higher status based on spending. The big difference is that this automatic status does not grant the corresponding number of elite knights. Therefore, if you want to enjoy the benefits of program selection or obtain a higher status tier, you will need to reach the normal qualification threshold.
Related: A complete guide to achieving Marriott Elite status with a credit card
If you are staying frequently at Marriott Properties, you can stack these 15-25 elite night credits in addition to your own trips. Upgrade to the next elite class Faster.

When you stack your credits between your business card and your personal card that comes with 15 Elite Night Credits, Marriott Bonvoy Boundres and Marriott Bonvoy Business® American Express® Card – There are 30 elite night credits at the beginning of each year. You need 50 nights a year to reach Platinum Elite Status. So there is already 60% of the method. You will only need to stay for another 20 nights (or Earn nights through credit card spending with endless cards) Reach the next layer.
And once you reach Platinum Elite status, benefits such as lounge access and other things can be invaluable. Every Night Upgrade Award.
and Marriott Bonvoi Brilliant American Express You will receive free Platinum Elite status every year as a card perk. This has benefits such as room upgrades Free breakfast. However, there are no credits (50 nights) required to earn Annual elective benefits Associated with Platinum Status. This advantage allows you to choose from one of the following:
Daily Newsletter
Reward your inbox with TPG Daily Newsletter
Join over 700,000 readers for breaking news from TPG experts, detailed guides and exclusive deals
That being said, the 25 elite night credits you earn can be stacked with the 15 elite nights you earn Bonvoy’s business cardallowing you to start every year with 40 Elite Night Credits. TPG Senior Editor Director Nick Ewen Using this option, I only stayed at Marriott Properties in 2024 for four nights.
This is 80% of what you need to get your first choice (50 nights) and is over the middle of the 75 nights you need Titanium Elite Status. Reaching Titanium unlocks the benefits of other options along with additional perks, including the ability to upgrade to the standard suite of Ritz-Carlton Properties.
Annual Awards Night
But why do you stop with two Marriott cards?
There are several reasons Many Marriott credit cards Because you can get it. This is because there is the incredible value you get from an anniversary night certificate. Both Bonvoy Boundless and Bonvoy Business The card offers the night value of anniversary rewards Up to 35,000 points. However, premium Marriott Bonvoy Brilliant – For an annual party price of $650 (see Fees and fees) – Offers an annual award night It’s worth up to 85,000 points overnight. Certain hotels offer resort fees.
Based on TPG April 2025 evaluationMarriott Points are worth 0.7 cents each. So 35,000 points is worth $245.
Still, depending on how you travel, you may be able to get even higher returns on these award nights. The former TPG staff used theirs at Sheraton Grand Hyde Park in Sydney, where they were upgraded to a massive terrace suite at the peak of the travel season and upgraded to St. Regis Beijing for rooms well over $300 a night.
Due to Marriott’s dynamic pricing, the ability to use these awards is less predictable than in the past. However, it is still possible to redeem these awards than the annual fees of your credit card. In other words, this alone can justify maintaining Marriott credit cards year by year.
There are two exceptions here. Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bounty Full Card Do not automatically offer free night awards every year. With both cards, you must purchase with a $15,000 purchase each year Free night awards worth up to 50,000 points. Please note that certain hotels have mandatory resort fees.
Marriott Bonvoy Bounty Full Card information is collected independently by Point Guy. The card details on this page are not reviewed or provided by the card issuer.
Expense Category Bonus
Aside from the Annual Award Night and Elite Night Credits, having a Personal and Business Marriott Card will help you earn more points in several spending categories. All four Marriott cards earn 2 points per dollar spent on daily spending and 6 points per dollar spent at hotels participating in the Marriott Bonvoy program Marriott Bonvoy Bold® Credit Card (look Fees and fees);Please refer to the details below.
Related: Which Marriott Bonvoy credit card is right for you?
But it’s another bonus category, and most of them are not duplicated. This helps you maximize your revenue.
- Marriott Bonvoy Baby American Express Card: Earn 4 points per dollar spent on the first $15,000 purchase purchases at restaurants around the world and supermarkets in the US (then 2 points per dollar). Bonvoy Bevy Amex has an annual fee of $250 (see Fees and fees).
- Marriott Bonvoybold Credit Card: Earn 2 points per dollar spent at the grocery store, receive ride service, choose food delivery, choose streaming, internet, cable, telephone service, and earn 1 point spent on all other purchases.
- Marriott Bonvoy Bound Dress Credit Card: You earn 3 points per dollar spent on the first $6,000 spent on total purchases each year at gas stations, grocery stores and meals (then two points per dollar).
- Marriott Bonvoy Bounty Full Card: Every year, you earn 4 points per dollar spent on your first $15,000 purchases on grocery and meal purchases (and then spend 2 points per dollar).
- Marriott Bonvoy Brilliant American Express Card: Earn 3 points per dollar on meals at restaurants around the world and directly booked flights with airlines. Bonvoy Brilliant Amex has an annual fee of $650 (see Fees and fees).
- Marriott Bonvoy Business American Express Card: Earn 4 points per dollar spent on purchases at restaurants around the world, gas stations in the US, wireless phone services purchased directly from service providers in the US, and restaurants purchased through shipping US purchases. Bonvoy Business Amex has an annual membership fee of $125 (see Fees and fees).
So, if you’re a big Marriott fan and want to focus your revenue strategy on Bonvoy points alone, you can have multiple cards and enjoy the revenue rate in several categories.
Related: Do I qualify for the new Marriott Bonvoy Card? This chart tells you yes or no
Conclusion
Marriott has made elite status much easier by allowing customers with both personal and business credit cards to earn two sets of Elite Night Credits each year. In fact, many TPG staff kicked off 2024 with 40 elite night credits. Adding this to your annual award night certificate for these credit cards, it is practically easy to hold both your personal and business cards in your wallet.
Apply here: Marriott Bonvoy Baby American Express Card
Apply here: Marriott Bonvoybold Credit Card
Apply here: Marriott Bonvoy Bound Dress Credit Card
Apply here: Marriott Bonvoy Brilliant American Express Card
Apply here: Marriott Bonvoy Business American Express Card
Click here for prices and prices for Marriott Bonvoi Brilliant Amex here.
Click here for prices and prices for Marriott Bonvoy Baby Amex here.
Click here for prices and prices for Marriott Bonvoi Business AMEX here.