Sabbin yarjejeniyar yarjejeniyar katin kuɗi na Marriott: Me ake nufi da gaske?

Marriott International a yau ta sanar da cewa ta cimma sabbin yarjejeniyoyin tare da JPMorgan Chase da kuma American Express don fitar da Amurka, katunan bashi masu alaƙa da shirye-shiryen aminci. MileCards.com Manazarcin Balaguro da Kyauta, Joe Cortez, yayi nazarin yarjejeniyar kuma a nan, ya rushe abin da ake nufi ga Marriott da Ritz-Carlton Membobin Kyauta.

Bayan da Hilton ya bar yarjejeniyar mai ba da su biyu tare da Citi don ba da katunan bashi tare da haɗin gwiwa kawai daga American Express, Marriott ya haɗu da ƙaramin da'irar kamfanonin balaguro tare da katunan kiredit daga masu bayarwa biyu, kamar American Airlines.

Haɓaka ribar riba. Tare da Hilton Ƙaddamar da katin "super-premium" tare da American Express a cikin 2018, Marriott yana biye da shi ta hanyar ƙaddamar da babban kati mai daraja daga American Express. Waɗannan katunan suna da babban kuɗin shekara-shekara (sau da yawa $ 450 ko fiye) kuma suna ba da ƙarin dama don samun matsayi da maki tare da alamar otal. Ƙarin fa'idodin na iya haɗawa da matsayi na kyauta (ko matsakaicin matsayi na Zinariya ko babban matakin Platinum ba a san shi ba), lambobin yabo na dare kyauta, da zaɓi ƙimar balaguron balaguro - kamar kiredit na jirgin sama da kiredit na otal. Katin ƙima daga Hilton yana ba da babban matakin Diamond.

Rage farashin ladan katin kiredit: A halin yanzu, katunan da ke samun cikakkiyar darajar Marriott da maki Starwood suna da kuɗin shekara-shekara. Akwai 'yan katunan bashi na "masu yawan jama'a" waɗanda ke ba da kuɗin shekara-shekara don samun lada, kamar katin Sa hannu na Visa na Choice Hotels da Katin SkyMIles na Blue Delta daga American Express. Saboda haka, yana da kyau cewa aƙalla katin kiredit ɗin Marriott ɗaya ba zai sami kuɗi don samun maki don dararen otal kyauta ba.

Ana iya ɗaukar katin 'masu amfani da jama'a' katin kiredit 'matakin shigarwa', wanda zai sami ƙasa da maki kowace dala da aka kashe da ƙarancin fa'ida fiye da waɗanda ke da kuɗin shekara-shekara. Manufar wannan nau'in samfurin shine gabatar da sababbin kasuwanni zuwa darajar maki Marriott, bi da bi yana ƙarfafa su suyi aiki da sarkar zuwa manyan katunan tare da lada mafi kyau.

Ta yaya wannan zai shafi ƙimar Marriott Rewards® da Starwood Preferred Guest® Starpoints?

Marriott da Starwood suna haɗuwa cikin shiri ɗaya a kwanan wata da ba a bayyana ba bayan ƙarshen 2018. Ɗaya daga cikin abubuwan musamman na shirin Starwood shine ƙananan farashi a maki ga yawancin hotels. Alal misali, a Maui, Westin Maui yana biyan maki 20,000 na Starwood, yayin da Marriott Wailea Beach Resort yana biyan 40,000 Marriott maki a dare, ninka maki.

Lokacin da Marriott da Starwood suka haɗu, waɗannan bambance-bambancen zasu buƙaci a daidaita su. Mafi kyawun sakamako zai kasance don yawancin kaddarorin Marriott su sauko cikin farashi, amma mafi ƙarancin sakamako shine don kadarorin Starwood su tashi cikin farashi don dacewa daidai da kaddarorin Marriott. Tsayawa farashin ma'ana zai zama mahimmanci don kiyaye masu aminci na Starwood tsunduma cikin sabon shirin.