Was Very Unsure if i should have Done an application or not because just the other day i got an instant approval on the playstation card from capital one. Ended up doing the application anyway to have instant approval with a credit line of 6K at 19 Years of age! The rewards are Pretty good and would suggest this to anyone looking for a credit card for hotel Rewards.
I have this card because I travel *a lot*. 150+ days a year. Plus, I only stay Hyatt and Marriott (Yes, I have their Hyatt Card, too). Plus, the 1 EQN (Elite Qualifying Night) for every $3000 spend is pretty amazing. (I spend ~$125,000/year on travel.) Between my travel spend and using this card for everyday purchases, the top tier status and free nights happen really quickly. Also, it has a very slick metal design and a pretty average APR. I'm at 16.99% and a 32k limit, which isn't as great as the 9.99% and 40k limit that PenFed offers, but I pay my cards off every month so who cares? The free night is kind-of Meh. Marriott has 8 Categories of hotel and the free night is only good for a Cat 1-4... The lowest-end Marriot in NYC--a Fairfield--is still Cat 5+. So, basically you can't actually use the free night anywhere you'd actually want to go. But if you get a random invite to a wedding in BFE or have an overnight layover at LAX and want somehwere to crash... then the free night is useful. Still, the point accrual and the EQNs are awesome.
The customer service/fraud protection, however, that Chase provides is abysmal. I travel a lot, so I'm used to getting false-positives for fraud on my card, and usually Chase calls me or texts and asks me if it was a legit expense. I confirm it, have the merchant run the card again, and all is good. I'm ok with that. Unfortunately, Chase has started randomly re-flagging my card for purchases that I've already confirmed as legit... and usually about a month after the charge was made, and after I've paid off the charge! So, obviously it's legit because a) I confirmed it was legit and b) I paid it. When I call in to complain my card has stopped working again, the customer service agent usually looks at the account, goes "that's odd... the charge was from a month ago and you already confirmed it. I don't understand why someone went in and manually re-flagged it." Then they unlock my card and give me 5k Marriott points as an apology. Then, like clockwork, a week later they send me a letter rescinding the 5k apology points. And that is REALLY bad customer service... it's like an episode of Laurel and Hardy... only way more ridiculous and frustraiting. Oh, and then they usually reverse the reversal of the apology... and then reverse the reversal of the reversal. I kid you not.
So, if you travel a lot and stay Marriott a bunch, this may be the card for you... as long as you have the patience to put up with random fraud alerts and a Customer Service Team that can't find their a** with both hands.
These reviews were written by current and former cardholders in the last year.
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Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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$85 fee with night at Marriott Hotel
When you open you can get 80,000 miles, the $85 gives you one night a year, needs to check which hotel will honor the free night, but I'll tke any free night for my $85 a year. Customer service is very helpfull, I was always able to book my free nights and claim my miles.
It was a surprise that I got this card.
I applied for this card today, and I am happy to say I got approved this card with a 5000 CL. I am only 19 years old and a college student but working full time, and traveling a lot. i saw the perks for this card and said why not. I am ready to get this card and start using its perks
Approved Unexpectedly with Poor Odds
I am a platinum elite and I have tried over many years to get this card. Well to my surprised I applied yesterday and today received an email saying I was approved! I thought the credit line would have been around $500 or $1000. When I called the 1-800# I was informed my credit line is $8500 with a 23.24% APR. Amex refuses to increase my limit. I have two capital one cards (never been late, have had 22+ months), capital one only increased my credit line $100 after being open 22 months! Don’t know how it happened, glad it did.
I am excited to have this card because I stay at Marriott a lot. I travel a lot for work, domestic and international.
If I max my card out I pay it off right away. As of today my other cards are paid off.
Equifax 570
Experian 581
Transunion 652
Capital One 1 credit line (was a secured card) $700
Capital One 2 credit line (never been late and have had over a year) $600
Amex Delta Gold Card (never been late and have had over a year) $1000
I am platinum elite so I have guaranteed to have room availability. Some of the reviews I read say the free night is worthless but if you do not have status with Marriott then you may not have a lot of access to rooms. Just a thought, take those negative comments about the free night with a grain of salt.
Cool. I want this card and afraid to apply...were those credit karma scores or fico
Scam
They claim youll get 100 off your first night stay but dont let you use the card for the room. You have to wait two weeks to get the card and they wont give you a temporary number. Mariott customer service also screamed at me and refused to give me the phone number for the credit card section.
Wow, Another Approval Today
Gonna charge a Europoean vacation to get the 80k bonus points, I'm really excited. I'll PIF after a month.
I can't believe I'm here already after working at this for 10 months starting with a lousy $200 Old Navy care, and CK score around 600.
Worst card i've ever had
Marriott charges crazy amounts of points to stay in any good hotels so it makes it impossible to use. Finally, after 2 years of having the card I booked a flight. I accidentally booked the wrong day ($100 flight). To change the flgiht they want me to pay a $67 change fee to the airline and a $50 fee to Marriott for no reason at all. They refuse to refund the points. Now, I am just buying the flight seperate as Marriott's fees are more than just buying the flight outright.
Marriot rewards scam. Booked a room, promotion stated get 100.00 back on booking and 85.00 yearly fee waived by opening acct. Completed room reservation hit on apply now and vavoom offer no longer available. Spoke to 3 chase reps ( chase handles the cards) and nothing. The last guy was actually getting annoyed, unbelievable. Tempted to close all my chase accts. One rep said go apply for card and see if offer is there. I applied was approoved but no such offer. So I went from getting 100 back and no annual fee for first year to no money back and a 85.00 annual charge. Typical of todays bussiness practices!
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