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Comparison of Canada and U.S. Chase Marriott Credit Cards

This idea came from a comment in my Top Credit Card Higher than Normal Sign Up Bonuses post. Thanks Jeff!

Both Canada and the United States offer their own versions of a co-branded Marriott Rewards credit card, each offered by the Chase Bank. In the U.S., there are currently 2 completely different offers to watch out for. Canada also has two offers, but I will only mention one of them, which I will explain below. Let’s start with the highlights of each credit card:

U.S. Chase Marriott Rwards Premier Credit Card (87,500 offer)

  • $85 annual fee
  • No annual fee for supplementary cardholders
  • Earn 80,000 sign up bonus points (after spending $3,000 in the first 3 months)
  • Earn 7,500 bonus points (for adding a supplementary cardholder and make a purchase in the first 3 months)
  • Earn 5 points for every $1 spent at participating Marriott Rewards and SPG hotels
  • Earn 2 points for every $1 spent on airline tickets, car rental agencies and restaurants
  • Earn 1 point for every $1 spent on all other purchases
  • Receive 15 nights credit towards Elite qualifying status every year
  • Earn 1 elite credit for every $3,000 spent on purchases
  • Receive 1 anniversary bonus free night stay at a Category 1-5 hotel every year (after the first year)
  • No foreign transaction fees

U.S. Chase Marriott Rwards Premier Credit Card (157,500 offer)

  • $85 annual fee (first year fee waived)
  • No annual fee for supplementary cardholders
  • Earn 150,000 sign up bonus points (after spending $30,000 in the first year, calculated on 5 points for every $1 spent on the first $30,000 in spending)
  • Earn 7,500 bonus points (for adding a supplementary cardholder and make a purchase in the first 3 months)
  • Earn 5 points for every $1 spent at participating Marriott Rewards and SPG hotels
  • Earn 2 points for every $1 spent on airline tickets, car rental agencies and restaurants
  • Earn 1 point for every $1 spent on all other purchases
  • Receive 15 nights credit towards Elite qualifying status every year
  • Earn 1 elite credit for every $3,000 spent on purchases
  • Receive 1 anniversary bonus free night stay at a Category 1-5 hotel every year (after the first year)
  • No foreign transaction fees

Canada Chase Marriott Premier Visa Credit Card

  • $120 annual fee (first year fee waived)
  • No annual fee for supplementary cardholders
  • Earn 50,000 sign up bonus points after the first purchase
  • the first 3 months)
  • Earn 5 points for every $1 spent at participating Marriott Rewards and SPG hotels
  • Earn 2 points for every $1 spent on airline tickets, car rental agencies and restaurants
  • Earn 1 point for every $1 spent on all other purchases
  • Receive 15 nights credit towards Elite qualifying status every year
  • Receive 1 anniversary bonus free night stay at a Category 1-5 hotel every year (after the first year)
  • No foreign transaction fees

There is also a 30,000 sign up bonus offer, but because it is a worse offer, I will not even include it in this list. The two U.S. ones offer a significant enough competitive different to warrant two separate listings.

Annual Fees

The card with the lower annual fee and first year fee waived is the winner!

Winner: U.S. 157,500 offer

Sign Up Bonuses

Hands down the 157,500 sign up bonus offer is the best. It is obviously a steep spend requirement, which is going to be a different topic of discussion. For this category, we are talking solely about sign up bonus.

Keep in mind that there is no actual sign up bonus offer with this card. You need to spend $30,000 within the first year and they multiple that $30,000 spending by 5 to reach 150,000. So the cardholder is earning 5 points at a time for every $1 spent. Thereafter, the regular earning ratios apply.

Winner: U.S. 157,500 offer

Spending Requirement

I normally do not discuss this category, but it is worthwhile to mention. Let’s disregard the sign up bonus for a second, to me, the Canadian version is the best, because we only need one purchase to qualify for the sign up bonus, compared to the $3,000 or $30,000 spending requirements in the U.S.

Don’t get me wrong, if I had to choose, I would still prefer the 157,5000 sign up bonus offer overall, but for this specific factor, the Canadian version comes out ahead!

Winner: Canada

Earning Ratios

They all actually have the exact same earning ratios (kudos to the Canadian version!). I will give the deal breaker to the one that offers a promotion up front, where you can earn 5 points for every $1 spent on all purchase for the first $30,000 in spending. Perfect card to use for MS?

Note that currency fluctuations can play a role on which one was more value. 

Winner: U.S. 157,500 offer

Elite Status Qualification

The U.S. versions offer a nice touch with allowing cardholders to earn 1 elite credit for every $3,000 in spending.

Winner: U.S.

Other Benefits

Both countries’ credit cards offer the anniversary free night, as well as foreign transaction fees waived. Yes, I am still going to have a tie-breaker on this one. It is more impressive for the Canadian version to offer both perks comparatively speaking. U.S. co-branded credit cards are highly competitive, so these are almost considered standard benefits.

Winner: Canada

Conclusion

I do not know about you, but I am quite impressed with the Canadian version, relatively speaking. However, the 157,500 sign up bonus points with the first year fee waived promotion really blows everyone out of the water (assuming you can reach the spending requirement).

What are your thoughts about these credit cards?

Also, please let us know in the comment section below if you would like to see other Canada versus U.S. credit cards comparisons!

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