Chase Marriott Rewards Premier Upgrade Offer – Is It Worth It?

In addition to the 100,000 signup bonus for the new Marriott Rewards Premier Plus credit card, Chase is offering targeted upgrade offers for existing cardholders of the Marriott Rewards Premier credit card.

Marriott Rewards Premier Plus Upgrade Offer

The Offer

  • Upgrade your credit card from Marriott Rewards Premier to Marriott Rewards Premier Plus and get 0-50,000 bonus points after your first purchase by December 31, 2018.
  • Direct link to find out your upgrade offer

Quick Thoughts

When entering my details, Chase offered me 20,000 Marriott Rewards points to upgrade. Doctor of Credit is reporting that upgrade offers are ranging from 0 to 50,000 points, so you’ll need to check your own offer if you have the Marriott Rewards Premier credit card.

Is it worth upgrading though? That’ll depend on several factors along with your priorities.

If you get an offer that’s less than 50,000 points, it’s probably not worth it. Chase will hopefully offer higher upgrade offer in the future, although that’s obviously not guaranteed.

The bonus points on offer for the upgrade aren’t the only factor though. The annual fee on the Premier Plus credit card is $10 higher than than the Premier. The Premier Plus does earn 6x on Marriott and SPG stays though versus 5x on the Premier which could be worthwhile if you have a lot of paid stays. If you have one of the SPG credit cards though, you can use that to earn 2 Starpoints per dollar which converts to 6 Marriott Rewards points.

For people looking to earn status with Marriott, it might be best to wait until your 15 Elite night credits from the Premier card post to your account before upgrading. Those nights post to your account around your card anniversary time, rather than based on the calendar year.

If your card anniversary date is coming up, there is something else to consider. The Premier card offers a free night certificate at category 1-5 hotels, whereas the Premier Plus offers a free night certificate good for properties up to 35,000 points which – this year only – equates to categories 1-7. What we don’t know yet is whether you’ll receive the free night certificate on the Premier Plus card if you upgrade before your anniversary date in 2018, or if you’d have to wait until 2019 for it to be awarded for the first time.

Given the confusing way Chase dealt with the IHG credit card free night certificate, you might want to hold off on upgrading until there’s some clarification to ensure you don’t miss out on a free night certificate this year. If they confirm that upgrades to the Premier Plus will earn the free night certificate at account renewal this year, it might be best to upgrade before renewing so that you can redeem it at a wider and better selection of hotels this year.

About Stephen Pepper

Stephen Pepper is on a 5 year, 50 state road trip with his wife Shae and their dog Truffles. Finding opportunities to earn miles and points is one of the ways they can afford to do this, so he'll try to help you do the same for your own travels.

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Laura Roland
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Laura Roland

Only offered 10,000 points. Wow.

Tom
Guest
Tom

Just wondering, what makes you think that Chase will offer a higher offer in the future? If we don’t accept the upgrade offers, they could ultimately give us the choice of being forcibly product changed in a year or so WITHOUT the benefit of an upgrade offer, or closing our accounts. What incentive could they have to randomly increase our upgrade offers? Of course I hope this happens too, but this is Chase, they are notoriously stingy with retention offers which is essentially what this is…

Paul
Guest
Paul

This exact situation happened to me with an old American Express blue card.

Nun
Guest
Nun

It happens. Why are you surprised? They put out a new card and see how much response they get. Then later up the offer. There are counterexamples though like CSR.

JAMES
Guest
JAMES

Any thoughts on how likely it is that taking the upgrade might trigger a Chase accounts review and lead to a shutdown?

Me Me
Guest
Me Me

Quote: What we don’t know yet is whether you’ll receive the free night certificate on the Premier Plus card if you upgrade before your anniversary date in 2018, or if you’d have to wait until 2019 for it to be awarded for the first time. END OF QUOTE

A phone representative happened to tell me yesterday that we have to have the Plus card for a whole year to receive the 35k equivalency award. So we do have an answer and that’s an undesired one…

Larry
Guest
Larry

My annual fee just posted and I am not sure what to do. The free night has posted to my account. I suppose I could cancel and then wait for 24 months from when I got the bonus and apply for the new card to try to get the 100k. Just not sure.

Greg The Frequent Miler
Admin

What was your upgrade offer? Might be better to wait until closer to the end of this year and then upgrade.

Troy
Guest
Troy

Also received 10K on a card with 32K limit…WOW…will be a cold day in hell before I upgrade. Card drops off 5/24 in 9 months anyway so I can wait it for either >=50K kicked to the curb drawer for the free night and go find something better.

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[…] to find out that Chase does have an upgrade offer from the old version. Is it worth upgrading? Frequent Miler’s analysis is worth a read. The Chase Ink Business Preferred card stole the spotlight yesterday with a […]

NinjaX
Guest
NinjaX

NOBODY should be upgrading to the premier plus even with a 50k bonus without a super long personal pro/cons table. 5/24 is prob the biggest reason why u upgrade because u can never app for the 100k plus card. but just remember that u can never get the premier card again. will chase close out the premier like the fairmont? not sure. but the premier plus card will always be around. old premier card is gone forever.

Greg The Frequent Miler
Admin

That’s probably true about never being able to get the old Premier again, but for most people I think that the new card is much better. The annual certs may actually be valuable, and everyday spend goes from horrible (1X) to just kind of bad, but not horrible (2X). I recently got my cat 5 cert so I’m in no hurry to upgrade, but I plan to do so before the end of the year so that the next cert is 35K

Me Me
Guest
Me Me

Do confirm with a phone rep though. I proposed the same idea and was dismissed explicitly (see my earlier comment).

However if your idea is correct and my phone rep is wrong, I should get my 35k cert in a few weeks :))

Raymond
Guest
Raymond

Does Chase also offer an upgrade for business Marriott credit card ? thanks !

Greg The Frequent Miler
Admin

No

Art
Guest
Art

My wife and I were both offered 20,000 points. I’m upgrading mine…holding off on hers.

Spencer
Guest
Spencer

Wife and I both accepted offers. 10k & 20k. Trying to bulk up on MR points before Aug 1. The math here is $20 for 30,000 or $.00067/point. Our annual fees and certs already posted over a month ago. We are both well over 5/24, but my wife will be under 5/24 late this year. Although Marriott and most hotel chains allow combining points at time of redemption, I’m hoping SPG still allows the direct pooling of points into a single account. That rare feature makes online redemptions easier. Goal is for an Aug 1 booking in SPG-7 for a luxury stay.

Charles
Guest
Charles

I was only offered 10,000 points. Not doing it. I have had the Marriott Premier Card for over 8 years. I am also outside the 5/24 right now. Couldn’t I cancel my card, wait a month or so and then re-apply for the Premier Plus and get the 100,000 points? Is there anything keeping this from working? It just says you can’t have both cards at the same time right?

Greg The Frequent Miler
Admin

Yes, as long as you’re under 5/24 that should work.

Cathy
Guest
Cathy

What is 5/24? I just spoke to Chase and I have the premier card. She said to upgrade I would lose my 15 night credits that I would get in Sept. on my anniversary. So I am hesitant about upgrading. She said after my anniversary there is a 30 day window to upgrade and get back the fee that they charged for the premier card, then upgrade to plus. Any thoughts?

Greg The Frequent Miler
Admin

5/24 is where Chase won’t approve your application if you’ve opened 5 or more cards in the past 24 months, with any bank.

Yes, I would wait until after you get the 15 nights credit (if you care about elite status) before deciding whether or not to upgrade. The only downside is that the free night certificate you get this year will be the lower value one.

Paul
Guest
Paul

I got 20k and took it. I’ve already used my free night this year back in March and paid the AF in February. I’m over 5/24 so the if you value the 20k points conservatively at $140 (and I can get more out of them I’m sure), I get 14 years worth of the annual fee increase.

GB_
Guest
GB_

I received an offer of 30k points to do the upgrade (5/9/2018).

Steve
Guest
Steve

Has anyone had any success asking Chase to reconsider their lower offer and match one of the higher offers?

Chad
Guest
Chad

I got the 50k offer and it worked out perfect because I got my 15 elite nights and category 1-5 certificate last week. I have the Ritz Carlton card which makes me a Chase VIP member, and probably the reason for the 50k offer.

Rick
Guest
Rick

My offer was for $10,000. Booooo!!!!! Can I call Chase and negotiate (charm) my way to a higher offer?

rajdori
Guest
rajdori

i got 20k offer. i’m over 5/24 rule, and Chase Rep also confirmed that i’m eligible for new card’s 100k offer (because my new card bonus was 2+ years ago).

so, should i
1) upgrade for 20k,
or
2) close this card and apply for new card for 100k rewards?

what are pros and cons ?

Paul Smith
Guest
Paul Smith

What about NO trip cancellation/trip interruption insurance with the Plus Card. Should i even be concerned with that?

Kate
Guest
Kate

Not worth it after viewing the new points chart! https://points-redemption.marriott.com/category-change Marriott is eliminating all 25,000 point stays (old cat 5 which effective Aug 18 requires 35,000 points). With my recently received cat 1-5 free anniversary night, I will be able to stay in NYC at an Autograph hotel and enjoy club access or free breakfast – an almost impossible find in this category BEFORE these new upcoming changes! Suddenly the cat 1-5 has decent value and the same (up to 35k) points as the upgraded offer. Since I only average about 25 hotel nights a year, I count on the $3,000 spend elite night rewards to maintain gold status which in turn is worth to me personally (at least $1,000 a year (food, beverage, 4 p.m. checkout, and room upgrades).

Nick Reyes
Editor

Marriott isn’t eliminating 25K point stays. They’re just restructuring the categories. The one called Category 4 in the new program is 25K for a standard room. Old Category 5 = New Category 4.

In the current program, there are 14 levels (Marriott Cat 1-9 and Ritz Tier 1-5). In the new program, there are 8 levels. It’s more useful to think of them in terms of points than in category number since 14 categories don’t map perfectly to 8.

Any old Cat 1-5 nights will get a value “up to 25K points” — which is essentially the same as what they are now (old Cat 5 costs 25K points). So the Cat 1-5 anniversary free night you just received will not be valid at new Category 5 – it’ll only work at properties up to 25K.

If you upgrade, you will get an annual certificate for properies up to 35K points. That’s obviously an improvement in some cases where you’ll be able to use it for better properties. On the other hand, when peak pricing comes into effect, you’ll only be able to use it at Category 4 properties during peak periods (since Cat 5 properties will cost more than 35K at peak times), so it’s not a huge improvement. Furthermore, upgrading will preclude you from being eligible for the SPG Lux card for 24 months, so I would agree that upgrading is probably not worth it right now.

Jimm
Guest
Jimm

Has anyone figured out if the anniversary date changes once you upgrade? Our offer (wife and mine both) went from 20k to 50k each, and I want those points! :). But with our Anniversary date in March, I don’t want to have to wait an extra 6 mos for the free anniversary night cert…

Mark
Guest
Mark

If you’re still considering an upgrade, check the link again. My offer also suddenly jumped from 20k to 50k. I’m in.