Chase just launched a 70% transfer bonus to Marriott Bonvoy, the largest it has ever offered on this route. A 70% headline looks hard to ignore. But Marriott points are worth far less than the Chase, Amex, or Bilt points you would spend to get them, so a big percentage does not automatically mean a good deal.
The question that actually matters is simple: how large does a Marriott transfer bonus have to be before moving your points to Bonvoy beats sending them 1:1 to World of Hyatt instead? Most guides skip that calculation. We ran it, and the answer explains exactly when this bonus is worth acting on.
In this guide, you will see which banks reach Marriott, the real break-even maths against Hyatt, and a short checklist for deciding whether to transfer now or leave your points where they are.
Key Takeaways
- One Marriott bonus is live as of October 6, 2026: Chase Ultimate Rewards at +70%, through October 15, 2026. There is no active Amex or Bilt Marriott bonus.
- Marriott points are worth about 0.8¢ each, versus 1.7¢ for Hyatt points, so Marriott starts well behind on value.
- A standard Marriott award needs a +113% bonus to match a 1:1 Hyatt transfer. No bank has ever offered that.
- On a 5-night award, the fifth-night-free benefit changes the maths, and the current +70% bonus pulls exactly even with Hyatt.
- Transfer only with a specific booking in mind. Transfers are one-way, and Marriott is one of the weakest partners for pure point value.
Which Banks Transfer to Marriott Bonvoy
Three bank programs move points to Marriott Bonvoy, and all three do it at the same base ratio. The differences that matter are whether a bonus is running and how the points get used, not the headline rate.
| Bank program | Base ratio to Marriott | Transfer time | Live bonus (Oct 6, 2026) |
|---|---|---|---|
| Chase Ultimate Rewards | 1:1 | 2–7 days | +70% through October 15, 2026 |
| American Express Membership Rewards | 1:1 | 2–7 days | None (last was +30%, ended September 3, 2026) |
| Bilt Rewards | 1:1 | 2–7 days | None |
Two details shape how you should treat this table:
- Chase transfers often post within a day, even though our data lists a 2–7 day window. When a bonus is involved, Marriott adds the extra points within seven days of the transfer completing.
- Only Chase and Bilt can reach World of Hyatt. Amex does not transfer to Hyatt, so an Amex holder's realistic alternative to Marriott is an airline transfer, not Hyatt.
You can confirm every bank's base ratio and transfer path on our Marriott partner page, and check live offers on the bonus tracker.
The Current 70% Bonus and Past Marriott Bonuses
Knowing the history tells you whether this offer is strong or routine. The Chase bonus running through October 15, 2026 is unusually large, which is the whole reason it deserves a second look despite Marriott's low point value.
| Bank | Bonus | Dates | Note |
|---|---|---|---|
| Chase | +70% | September 15 – October 15, 2026 (live) | 1,000 Chase points become 1,700 Bonvoy points |
| Amex | +30% | August 4 – September 3, 2026 | Ended |
| Amex | +20% | Through June 30, 2026 | Ended |
The Points Guy describes the current +70% offer as tying the highest Marriott transfer bonus it has ever recorded, and Chase's own past Marriott bonuses have typically sat lower. Amex has run its Marriott bonuses in the 20–30% band during 2026. So a 20–30% Marriott bonus is ordinary, and the current 70% is the outlier worth understanding.
The offer has a few practical terms, confirmed by Frequent Miler. You can transfer an unlimited number of times before October 15, 2026, Chase moves points in 1,000-point increments, and Marriott credits the 70% within seven days of each transfer.
The Break-Even Maths: How Big Must the Bonus Be?
This is the section no competing guide runs. The point of a Marriott bonus is not the percentage; it is whether the converted points beat your next-best option. For a Chase or Bilt holder, that option is almost always a 1:1 transfer to World of Hyatt.
TransferPoints' published valuations put a Marriott point at 0.8¢ and a Hyatt point at 1.7¢. The table below shows how big a Marriott bonus must be to match sending the same points to Hyatt.
| Marriott redemption | Effective value per point | Bonus needed to match a 1:1 Hyatt transfer |
|---|---|---|
| Standard award | 0.8¢ | +113% |
| 5-night award (fifth night free) | 1.0¢ | +70% |
The standard-award line is the honest headline: a Marriott point is worth less than half a Hyatt point, so it takes a +113% bonus just to break even, and no bank has offered one. Even the record +70% bonus lifts a Marriott point to only about 1.36¢, still short of Hyatt's 1.7¢.
The fifth-night-free benefit is what rescues the maths. On a 5-night award booked under one reservation, Marriott gives you the cheapest night free, so you pay for four nights of points and get five. That raises each Marriott point's effective value by 25%, to roughly 1.0¢. At that rate, a +70% bonus pulls exactly even with a 1:1 Hyatt transfer.
Here is what 100,000 Chase points become under each path:
| What you do with 100,000 Chase points | You receive | Realistic value |
|---|---|---|
| Cash out at 1¢ | — | $1,000 |
| Transfer 1:1 to World of Hyatt | 100,000 Hyatt points | about $1,700 |
| Transfer to Marriott (+70%), standard award | 170,000 Bonvoy points | about $1,360 |
| Transfer to Marriott (+70%), 5-night award | 170,000 Bonvoy points | about $1,700 |
Transfer Calculator
When a Marriott Bonus Makes Sense
The maths above does not mean "never transfer." It means transfer with a reason. A Marriott bonus earns its place in specific situations, each tied to a booking you already have in mind.
- You are topping off a specific award. If you are a few thousand points short of a stay you have priced out, the bonus fills the gap cheaply, and the stay is worth more than the points' alternate use.
- You are booking a 5-night award. The fifth-night-free discount is where the +70% bonus finally matches Hyatt, so longer stays are the strongest case.
- You want a property Hyatt does not have. Marriott's footprint is far larger. In cities or resorts where Hyatt has no useful option, a Bonvoy redemption can beat paying cash even at 0.8¢.
- You hold Amex, not Chase or Bilt. Amex cannot reach Hyatt, so for an Amex holder the comparison is against airline transfers. A Marriott award can still win when you specifically need the hotel night.
In each case the decision rests on the booking, not the bonus percentage. The bonus only decides how many bank points that booking costs. Also read: How to transfer Chase points to Hyatt, the redemption Marriott is usually competing against.
When to Skip the Bonus
Most readers should let this one pass, and the reasons are worth stating plainly. A big percentage on a weak currency is still a weak result.
Skip the bonus if:
- You have no specific Marriott stay in mind. Speculative transfers lock value into your worst option.
- You hold Chase or Bilt and could send the same points to Hyatt for a redemption worth 1.7¢.
- You would be buying points you do not need. Marriott often sells points near 0.9¢ in a sale, which can beat a speculative transfer.
The core trade is this: you are converting points worth about 2.0¢ in your bank account into points worth 0.8¢, hoping the bonus and your redemption make up the gap. Only a concrete, high-value booking closes it.
Common Mistakes with Marriott Transfer Bonuses
The expensive errors happen in the gap between seeing a 70% headline and actually booking a room. Each of these is avoidable.
- Transferring before pricing the stay. Marriott uses dynamic award pricing, so confirm the exact point cost on the property's dates before you move anything.
- Expecting the fifth night free on every booking. It applies only to standard awards booked in one reservation, not to Cash + Points stays or free-night certificates.
- Chasing the percentage, not the value. A 70% bonus on 0.8¢ points is still less valuable per point than a plain 1:1 Hyatt transfer for most awards.
- Forgetting transfers are one-way. Points moved to Marriott cannot come back to Chase, Amex, or Bilt.
- Topping off too early. Transfer only once you can see the award seat and price, not weeks ahead on the assumption it will hold.
Track Marriott Bonuses with TransferPoints
The hard part of a Marriott transfer bonus is not the arithmetic. It is catching the rare offer that is actually worth it across three banks, while remembering that Marriott starts far behind Hyatt on value. A 70% headline and a 20% headline can both be wrong moves without a specific booking.
TransferPoints keeps the pieces in one place:
- Bonus Tracker: every live transfer bonus across the eight bank programs we cover, on the bonus tracker.
- Transfer Calculator: see how many Bonvoy points your balance becomes with the bonus applied.
- Valuations: compare Marriott, Hyatt, and Hilton point values before you commit, on our valuations page.
Conclusion
A Marriott transfer bonus is worth acting on only when it attaches to a real booking, not because 70% looks large. Marriott points are worth roughly 0.8¢ against Hyatt's 1.7¢, so a standard award would need a +113% bonus to break even, and no bank has ever gone that high. The current +70% offer matches Hyatt only on a 5-night award, where the fifth-night-free benefit lifts each point's value.
That is the difference between a headline and a decision. If you hold Chase or Bilt and have no specific Marriott stay, a 1:1 Hyatt transfer almost always wins. If you have a long award or a property Hyatt cannot cover, this bonus can finally make the maths work.
Check the live bonus tracker before your next transfer to see whether a Marriott transfer bonus actually changes your cost.
Frequently Asked Questions
Is the Chase 70% Marriott transfer bonus worth it?
It depends on the booking. At TransferPoints' valuations, the bonus lifts a Marriott point to about 1.36¢ on a standard award, below Hyatt's 1.7¢, so a 1:1 Hyatt transfer usually wins for Chase and Bilt holders. The bonus only pulls even with Hyatt on a 5-night award, where the fifth-night-free benefit adds value. Transfer if you have a specific, high-value stay in mind.
How long does a Chase to Marriott transfer take?
Chase transfers to Marriott Bonvoy often post within a day, though our data lists a 2–7 day window to be safe. When a transfer bonus is running, Marriott adds the extra points within seven days of the base transfer completing. Because award pricing is dynamic, never transfer on the assumption that a specific room will still be available days later.
Which banks transfer to Marriott Bonvoy?
Three bank programs transfer to Marriott Bonvoy at a 1:1 base ratio: Chase Ultimate Rewards, American Express Membership Rewards, and Bilt Rewards. As of October 6, 2026, only Chase has an active bonus, at +70% through October 15. Amex and Bilt transfer at the plain 1:1 rate, with no bonus attached.
How does the Marriott fifth night free work?
On a standard award stay of five consecutive nights booked under one reservation, Marriott makes the lowest-priced night free. You pay points for four nights and receive five, which cuts the point cost by about 20% and raises each point's effective value by roughly 25%. It does not apply to Cash + Points bookings or to free-night certificates.
Should I transfer Amex points to Marriott instead of Hyatt?
Amex cannot transfer to World of Hyatt at all, so the comparison does not apply. For an Amex holder, a Marriott transfer competes against moving those Membership Rewards points to an airline partner worth around 2.0¢. A Marriott award at 0.8¢ only makes sense when you specifically need the hotel night and have priced out the stay.
How this guide was made: The TransferPoints team researched and drafted this guide with AI assistance. Every transfer ratio, transfer time, bonus, and valuation was checked against official bank and hotel information, reputable points publications, and TransferPoints' transfer data on October 6, 2026. Bonuses and award prices change often, so confirm terms with your bank before transferring. Spot an error? Email [email protected].