
Chase Marriott Bonvoy Business
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Marriott | 6x | 4.2% |
| Gas | 4x | 2.8% |
| Dining | 4x | 2.8% |
| Internet / Cable / Phone | 4x | 2.8% |
| Everything else | 2x | 1.4% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (3)
Second Free Night Award ($60K Spend)
Earn an additional Free Night Award (up to 35,000 points) after spending $60,000 in calendar year purchases. Can be combined with up to 15,000 points. Award expires 12 months after issuance.
Annual Free Night Award
Receive a Free Night Award every year after your account anniversary, valid for one night at a Marriott Bonvoy property with a redemption level up to 35,000 points. You can combine your Free Night Award with up to 15,000 points to access more properties. Award expires 12 months after issuance. Excludes resort fees.
7% Room Rate Discount
7% discount on guest room Standard Rate when booked through Marriott Bonvoy direct booking channels. Excludes Design Hotels, vacation clubs, all-inclusive properties, and Homes & Villas by Marriott Bonvoy.
Status & Elite Perks (3)
Marriott Bonvoy Gold Elite Status
Automatic Gold Elite Status each calendar year. Benefits include 25% Elite Bonus Points on stays, 2 p.m. late checkout (availability-based), enhanced room upgrades (availability-based), and premium Wi-Fi at participating properties. Allow up to 8 weeks from account opening for status to be applied.
Elite Night Credits from Spending
Earn 1 Elite Night Credit toward Elite Status for every $5,000 spent on purchases. No limit on the number of Elite Nights earned. Allow up to 8 weeks for credits from the last day of each qualifying calendar month.
15 Elite Night Credits
Receive 15 Elite Night Credits each calendar year toward next elite tier qualification. Credits deposited by March 1 each year. Requires active Marriott Bonvoy account linked to card.
Protections (6)
Trip Delay Reimbursement
Reimburses up to $500 per covered traveler for hotel, meals, and essentials when common carrier travel is delayed more than 12 hours or requires overnight stay. Must purchase travel with the card.
Auto Rental Coverage
Secondary coverage for damage due to collision or theft for most rental vehicles when you use your card to pay for the full rental and decline the rental company's collision damage waiver.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Baggage Delay Insurance
Reimburses up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. New York residents limited to 90-day coverage.
Extended Warranty Protection
Extends the time period of the manufacturer U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 12 Chase Marriott Bonvoy Business benefits automatically — redemption progress, reset dates and expiry alerts.