8 张 Marriott 万豪联名信用卡该如何选择？【2026.3 更新：各卡史高来了！】

【2026.3 更新】这几张卡 Marriott 联名卡增加了新的开户奖励，所以更新下本文让大家更好的选择适合自己的 Marriott 联名卡。简评如下：

• AMEX Marriott Bonvoy Brilliant：有高端入住需求可以考虑申请和长期持有，性价比还可以。200k 的史高奖励不容错过！

• AMEX Marriott Bonvoy Business 商业信用卡：商业信用卡，有条件的可以长期持有，商业个人双持更佳。这次有 5 张 5FN 的奖励，很值得申请！

• Chase Marriott Bonvoy Boundless 信用卡：推荐申请和长期持有，性价比极高，是大多数人的选择。4 个 50k FN 的奖励还不错。

下面几张不是特别建议申请

• Chase Marriott Bonvoy Bold 信用卡：意义不大，可以作为年费卡的降级选项。奖励一般
• AMEX Marriott Bonvoy Bevy 信用卡：智商税，每年不送房券，完全不值得长期持有。开卡奖励 175k 还可以，但是还不如直接上 Brilliant
• Chase Marriott Bonvoy Bountiful 信用卡：智商税，每年不送房券，完全不值得长期持有。开卡奖励也很一般。

关于 Marriott 联名信用卡

Marriott 推出了两张新的 $250 年费卡，和升级了一张 $650 年费的 Marriott Bonvoy Brilliant。万豪的联名信用卡达到了创纪录的 8 张，年费也从无年费开始一直跨度到 $650 。不过这几张联名信用卡算是各有千秋，今天就给大家比较一下各个卡的福利，帮助大家来选择那几张适合吧。

可以直接申请的个人卡有 5 张

• Chase Marriott Bonvoy Bold 信用卡
• Chase Marriott Bonvoy Boundless 信用卡
• AMEX Marriott Bonvoy Bevy 信用卡
• Chase Marriott Bonvoy Bountiful 信用卡
• AMEX Marriott Bonvoy Brilliant:

可以直接商业信用卡 1 张，由 AMEX 独家发行。

• AMEX Marriott Bonvoy Business 商业信用卡

下面 2 张通过升级或者降级可以获取

• AMEX Marriott Bonvoy 信用卡：无法直接申请，只能从 AMEX Brilliant 降级
• Chase Ritz-Carlton 丽思卡尔顿信用卡：无法申请，只能通过 Chase Marriott 转卡

之前 Chase 也有两张商业卡，Marriott Business 和 Premier business plus，已经绝版也无法获取，这里就不再列出了。Premier Business Plus 其实每年也送一个 35k Free Night，年费 $99，其实也可以长期持有。

关于这几张卡的简要比较如下

开卡奖励

当前几张可以申请的卡奖励如下，我把奖励从高到低排列了一下

• AMEX Marriott Bonvoy Brilliant: 200k 积分（价值 $1600 左右）
• AMEX Marriott Bonvoy Bevy 信用卡：175k 万豪积分（价值 $1400 左右）
• AMEX Marriott Bonvoy Business 商业信用卡：5 张 50k 房券（价值 $1250 左右）
• Chase Marriott Bonvoy Boundless 信用卡：4 张 50k 房券（价值 $1000 左右）
• Chase Marriott Bonvoy Bountiful 信用卡：85k 积分（价值 $680 左右）
• Chase Marriott Bonvoy Bold 信用卡：2 张 35k 房券（价值 $300 左右）

积分 vs 房券

在分析之前我们先大概估算一下 Marriott 的积分价值，根据统计，目前 Marriott 积分的兑换价值在 0.6-0.8c/p 左右。也就是 15k 积分大概能兑换到 $120 的酒店，那么 100k 积分的价值大概是 $800 。不过，不同地点和时间积分兑换的价值会相差很大。Free Night 的话 35k 的兑换个 $150 应该是没问题的，50k 最高兑到 $250 左右吧，85k 基本就取决于这个酒店的热门程度了，用得上算个 $400 吧。

Free Night 的总积分要多一点，不过 Free Night 是要发放后一年过期，而积分不会过期。而且积分可以定各种等级的房间，房券还是要定最高等级的才会划算点。所以说从灵活性角度还是积分的开卡奖励更好用，如果你有确定的酒店、游玩地点或者时间的话，能把房券用到最高等级，那么房券更好一点。

除了兑换酒店外，万豪积分是非常灵活的，可以 3:1.25 兑换大部分航空公司的里程。比如 UA 、 AS 、 JAL 、 BA 等等，所以如果你更看中商务舱而不是入住高端酒店，获取大量万豪积分用来兑换里程是更好的选择。那么就应该选择积分的开卡奖励，而不是房券的。

各个卡比较

其实比较起来有点困难，因为每个卡的限时奖励出现的时间不一定相同。如果都按照最高奖励计算，那肯定是 Chase Marriott Boundless 的性价比最高，毕竟 5 FN 的话相当于 250k 开卡奖励了，就算是平时的 4 FN 也价值 150k 积分。其次就是现在的 Marriott Brilliant 200k 积分奖励，用起来更加灵活

其他几张卡的开卡奖励不是很出彩，但是也不算低吧，毕竟 100k 就相当于 $800 的开卡奖励了。

如果你只打算持有一年，然后降级成无年费或者关卡，还是需要考虑年费的占比的。特别是两张新的卡 Marriott Bevy 和 Bountiful, $250 年费才给 85k-175k 的奖励，其实意思不太大。还不如上 Brilliant

申请分析

Marriott 卡比较多，我建议还是从自己的需求出发考虑开卡奖励和长期持有。个人比较推荐下面几个模式

1. 先考虑申请 Marriott Bonvoy Boundless，如果有高端卡需求可以升级成 Ritz-Carlton，没有的话长期持有拿 FreeNight 。
2. 需要 Mariott 白金会员的话，可以先申请 AMEX Bonvoy Brilliant，长期持有，不需要的时候降级成 AMEX Marriott 长期持有拿 Free Night
3. 有条件申请商业卡的，也可以持有一张拿 Free Night 以及 elite Night

如果都想要的话，可以按照 2 、 1 、 3 的顺序进行，都可以拿到开卡奖励。如果只想选一条的话 1 或者 2 都可以。

这几张万豪卡存在开卡奖励互斥的情况，我们做了个表来展示互斥关系。列是你可以申请的几张万豪卡，行是你持有的几张万豪卡。

• OK：不影响
• LL: lifetime，就是一生之中拿过开卡奖励
• 30: 30 天内持有
• 90: 90 天内申请到过
• 24: 24 个月内拿到过升级奖励或者开卡奖励

下面是申请的详细介绍：

可以申请的个人卡：5 张

由于有两家银行同时发售这张联名卡，在申请方面其实有互斥的现象存在，所以如果打算申请多于一张的话，得好好了解一下。

Chase Marriott Bold 和 Marriott Boundless 的限制是三条，满足下列任意一个条件就没法拿到卡或者开卡奖励。

• 24 个月内持有过或者拿到过 Chase 自家的三张 Marriott 卡的开卡奖励（新老 Marriott Boundless 、 Marriott Bold）
• 30 天内有过 AMEX Bonvoy 卡
• 90 天申请到过或者 24 个月内拿过下面几个的开卡奖励：AMEX Business 、 Brilliant 、 Bevy

This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.

The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy™ American Express® Card.

Chase Marriott Bountiful 的限制是两条，满足下列任意一个条件就没法拿到卡或者开卡奖励。

• 如果持有或者 24 个月内持有过 Bountiful 这张卡将无法申请到这张卡。
• 如果满足下面三个条件就拿不到开卡奖励。（1）30 天内有过（2）90 天内申请到过（3）24 个月内获取过这些卡的开卡奖励或者升级奖励。卡包括 Chase Marriott 的三张卡、 AMEX SPG 的商业和个人卡、 AMEX 的高端 Marriott Brilliant 卡

This credit card is not available to you if (1) you currently have this card or (2) you received a new Cardmember bonus for this card within the last 24 months.

The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days, (2) you applied and were approved for any of the following cards within the last 90 days, or (3) you received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy® American Express® Card, Starwood Preferred Guest® Credit Card from American Express, Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy™ American Express® Card.

AMEX Marriott Bevy 的限制比较复杂，总结一下就是和 chase 的 Marriott 系列卡冲突。满足下列任意一个条件就没法拿到卡或者开卡奖励。

• 之前没有获得过这张卡
• 30 天内有过或者持有 Ritz-Calrlton 系列卡，Chase Marriott Bonvy 系列卡（Bold 、新老 Boundless 、 Bountiful 、 Business 卡）
• 90 天内获取了 Chase 系列卡（Bold 、新老 Boundless 、 Bountiful）
• 24 个月内获取过下面几张卡的开卡或者升级奖励：Bold 、新老 Boundless 、 Bountiful

You may not be eligible to receive a welcome offer if you have or have had this Card, the Marriott Bonvoy Brilliant® American Express® Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from J.P. Morgan, the J.P. Morgan Ritz-Carlton Rewards® Credit Card, the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy® Premier Credit Card from Chase, the Marriott Rewards® Premier Credit Card from Chase, the Marriott Bonvoy® Credit Card from Chase, the Marriott Rewards® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, the Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business® Credit Card from Chase, or the Marriott Rewards Business® Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.

AMEX Bonvoy Brilliant 的限制和 Bevy 类似，也是和 Chase Marriott 和 Ritz 卡冲突。满足下列任意一个条件就没法拿到卡或者开卡奖励。

• 之前没有获得过这张卡或者 SPG Luxury 卡
• 30 天内有过或者持有 Ritz-Calrlton 系列卡
• 90 天内获取了 Chase 系列卡（Bold 、新老 Boundless 、 Bountiful）
• 24 个月内获取过下面几张卡的开卡或者升级奖励：Bold 、新老 Boundless 、 Bountiful

You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® American Express Luxury Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from JPMorgan or the J.P. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.

商业信用卡：1 张

目前可以直接申请到的 Marriott 商业联名卡只有一张，AMEX Marriott Bonvoy Business 商业信用卡，满足下列任意一个条件就没法拿到卡或者开卡奖励。

• 之前有过这张卡或者 SPG 商业信用卡
• 30 天内有过 Chase Marriott 的商业联名信用卡
• 90 天内拿到过 Chase Marriott 的任意一张联名信用卡
• 24 个月内获取过任意一张 Marriott 联名信用卡的开卡奖励或者升级奖励
• 其他原因的弹窗

You may not be eligible to receive a welcome offer if you have or have had this Card, or the Starwood Preferred Guest® Business Credit Card from American Express or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business® Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Bountiful™ Credit Card from Chase, Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase.

可以通过转卡获取：两张

其中有两张卡可以通过转卡来获取

• AMEX Marriott Bonvoy 信用卡：可以从其他的 AMEX Marriott 个人卡转卡得到，需要原卡持有超过一年，打电话或者 online chat 就可以转卡了
• Chase Ritz-Carlton 丽思卡尔顿信用卡：可以从 Chase Marriott 个人卡转卡得到，需要原卡持有超过一年，且信用额度在 $10k 以上。如果你的 Marriott 卡没有这么高的额度，可以从其他 chase 卡先转过来一部分。升级通过打电话或者发 Secure Message 进行

破弹窗

对于普通申卡用户来说，看上面的申请和互斥已经够了。但是 AMEX 有个特点，就是他虽然有诸多限制，这些限制是可以通过破弹窗破解的。也就是说，就算你持有了 chase marriott 卡，还是可以通过破弹窗申请到 AMEX Brilliant 卡。这个技巧我们在知识星球里有详细讲解，不太适合发到公开的博客平台。有兴趣的可以加星球进一步了解。

• 美卡 101 知识星球

长期持有

作为酒店联名卡，相对来说 Marriott 提供的各项福利还是比较多的。不过下面几项我个人认为是最需要关注的

• 开卡奖励：这个大家根据史高和当前来判断是否值得申请，表格里列的都是近期最高的 offer，一般一年会出现 1-3 次吧
• 年费：记得把报销和房券带来的价值扣除，看剩余的年费是否值得那些另外的福利
• 房券：不需要消费的房券肯定是第一档，消费送的房券记得考虑消费的机会成本。在亚洲区 35k 性价比非常的高，在美国其实就很一般了。现在房券可以补充 25k 积分订房，所以灵活性还可以。一般房券用到 $150-$300 不等还是容易的，所以基本上直接送房券的都可以长期持有。
• Elite Night：这个主要是为了冲击更高的会员等级或者保级，个人卡之间无法叠加，所以最好是个人+商业双持，叠起来最多 40，就很容易保级了。
• 赠送高级会员：万豪银会员用处不大，金会员有那么点用，有可能会升级房型。最有用的就是 Platinum 会员了，可以选择早餐、进酒廊，也有很大概率升房，甚至升到套房。如果你经常住万豪体系下，能感受到价值，还是可以考虑的。
• 消费积分：这些个卡大部分提供万豪 6x 的消费，按照 0.7c/p 算的话，大概是 4.2% 的返现，其实还是不错的。

对大部分人来说，长期持有年费 $95 且送 35k 房券的 Chase Marriott Boundless 和 AMEX Marriott Bonvoy 是最好的。如果能把航空报销用出去，而且用得上 85k 房券的话，可以考虑更好一点的 Chase Ritz-Carlton。要是再有对高级再会员有追求就直接上 AMEX Marriott Brilliant 吧

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