It's fantastic that you're looking to stay on top of your finances and manage your Marriott Bonvoy credit card responsibly! Paying your credit card bill on time is crucial for maintaining a good credit score and avoiding unnecessary fees. Since most Marriott Bonvoy credit cards are issued by Chase (for consumer and business cards) or American Express (for some specific cards), the primary methods for payment will largely depend on which issuer you have. Let's dive into a comprehensive, step-by-step guide on how to pay your Marriott Bonvoy credit card.
Mastering Your Marriott Bonvoy Credit Card Payments: A Step-by-Step Guide
Step 1: Identify Your Credit Card Issuer and Get Ready to Act!
Before we go any further, the absolute first step is to know who issued your Marriott Bonvoy credit card. Is it Chase or American Express? This is critical because the payment portals and contact information will differ significantly.
How to check:
Look at your physical credit card. The issuer's logo (Chase or American Express) will be prominently displayed.
Check your latest statement. The issuer's name and branding will be all over it.
If you applied online, revisit the application confirmation or the credit card company's website you used.
Once you know your issuer, you're ready to proceed to the relevant section. Let's make sure you never miss a payment again!
Step 2: Paying Your Marriott Bonvoy Credit Card (Chase Issued)
If your Marriott Bonvoy credit card is issued by Chase, you'll manage your payments through the Chase online banking system. This is the most common scenario for many Marriott Bonvoy cardholders.
2.1: Online Payment (Recommended and Easiest)
This is by far the most convenient and recommended method.
Sub-step 2.1.1: Log In to Chase Online
Go to the official Chase website:
www.chase.com Click on "Sign In" at the top right corner.
Enter your Username and Password. If you haven't set up online access yet, you'll need to register for an account first by clicking "Sign Up Now."
Sub-step 2.1.2: Navigate to Your Credit Card Account
Once logged in, you'll see a dashboard with all your Chase accounts. Locate your Marriott Bonvoy credit card account.
Click on the credit card account to view its details.
Sub-step 2.1.3: Initiate a Payment
Look for a button or link that says "Pay Bill," "Make a Payment," or similar.
You'll typically have options:
Current Balance: Pay the full amount owed.
Statement Balance: Pay the amount from your last statement.
Minimum Payment Due: Pay only the minimum required. While this avoids late fees, it will incur interest charges on the remaining balance.
Other Amount: Enter a custom amount you wish to pay.
Sub-step 2.1.4: Select Payment Date and Bank Account
Choose your payment date. You can often schedule a payment for the current day or a future date. Always ensure you schedule it before your due date.
Select the bank account you wish to pay from. If you haven't linked a bank account, you'll need to add it by providing your bank's routing number and your account number.
Sub-step 2.1.5: Confirm Your Payment
Review all the details carefully: payment amount, payment date, and the source bank account.
Click "Confirm Payment" or "Submit Payment."
You should receive a confirmation message on screen and often an email confirmation as well. Keep this for your records.
2.2: Setting Up AutoPay (Highly Recommended for Peace of Mind)
AutoPay is an excellent way to ensure you never miss a payment.
Sub-step 2.2.1: Access AutoPay Settings
Follow the initial steps (2.1.1 and 2.1.2) to log into Chase Online and navigate to your Marriott Bonvoy credit card account.
Look for a section related to "Payments," "Account Services," or "Manage Automatic Payments."
Sub-step 2.2.2: Configure AutoPay Details
You'll typically have options to set up:
Statement Balance: Pay the full statement balance each month. This is generally the best option to avoid interest.
Minimum Payment Due: Pay only the minimum.
Fixed Amount: Pay a specific fixed amount each month.
Choose the due date for the payment (usually on your statement due date).
Select the bank account from which the payments will be drawn.
Review the terms and conditions carefully before confirming.
Sub-step 2.2.3: Confirm AutoPay Setup
Confirm your AutoPay settings. You'll receive a confirmation. It's a good idea to still monitor your account for the first few months to ensure AutoPay is working as expected.
2.3: Payment by Phone
If online payment isn't an option, you can pay by phone.
Sub-step 2.3.1: Gather Your Information
Have your Marriott Bonvoy credit card number ready.
Know your bank account number and routing number.
Be prepared for security verification questions.
Sub-step 2.3.2: Call Chase Cardmember Services
For Marriott Bonvoy Consumer Credit Cards: Call 1-800-338-5960.
For Marriott Bonvoy Business Credit Cards: Call 1-800-346-5538.
If calling from outside the US, use the collect call number: 1-302-594-8200.
Follow the automated prompts to make a payment. You may be able to complete it through the automated system, or you might need to speak to a customer service representative. Note: Some issuers may charge a fee for phone payments made with a representative.
2.4: Payment by Mail
While less common now, you can still mail a payment.
Sub-step 2.4.1: Find the Payment Address
The payment address will be on your monthly statement. It's usually a P.O. Box.
Do NOT send cash. Only send a check or money order.
Sub-step 2.4.2: Prepare Your Payment
Make your check or money order payable to "Chase Card Services" or the exact name indicated on your statement.
Write your full Marriott Bonvoy credit card account number clearly on the memo line of your check or money order.
Include the payment stub from your statement.
Sub-step 2.4.3: Mail Your Payment
Allow ample time for your payment to be delivered and processed (at least 7-10 business days before your due date) to avoid late fees.
Step 3: Paying Your Marriott Bonvoy Credit Card (American Express Issued)
If you have a Marriott Bonvoy credit card issued by American Express (such as the Marriott Bonvoy Brilliant® American Express® Card or Marriott Bonvoy Bevy™ American Express® Card), your payment process will be through American Express.
3.1: Online Payment (Recommended and Easiest)
Sub-step 3.1.1: Log In to American Express Online
Go to the official American Express website:
www.americanexpress.com Click on "Log In" at the top right.
Enter your User ID and Password. If you're a new online user, register for an account.
Sub-step 3.1.2: Access Your Account and Make a Payment
Once logged in, your Marriott Bonvoy credit card account should be visible on your dashboard.
Click on your card account.
Look for an option like "Make a Payment" or "Pay Your Bill."
Sub-step 3.1.3: Enter Payment Details
You'll be presented with options similar to Chase:
Statement Balance: Pay the full amount from your last statement.
Current Balance: Pay everything owed up to today.
Minimum Payment Due: Pay the smallest amount required.
Other Amount: Enter a specific amount.
Choose your payment date.
Select or add the bank account you'll be using for the payment.
Sub-step 3.1.4: Review and Confirm
Double-check all the payment information.
Click "Submit Payment" or "Confirm."
Save your confirmation details.
3.2: Setting Up AutoPay (Highly Recommended)
Sub-step 3.2.1: Find AutoPay Options
Log in to your American Express online account (Sub-step 3.1.1).
Navigate to your Marriott Bonvoy credit card account.
Look for "Payments" or "Account Management" and then "Automatic Payments" or "AutoPay."
Sub-step 3.2.2: Configure AutoPay
Choose whether to pay your statement balance in full or the minimum payment due. Paying the statement balance is best to avoid interest.
Select the bank account for automatic debits.
Confirm the settings.
3.3: Payment by Phone
Sub-step 3.3.1: Prepare Your Information
Have your Marriott Bonvoy American Express card number ready.
Have your bank account and routing numbers.
Sub-step 3.3.2: Call American Express Customer Service
The general customer service number for American Express credit cards is typically found on the back of your card. For consumer cards, it's often 1-800-528-4800. For business cards, it might be different.
Follow the prompts to make a payment.
3.4: Payment by Mail
Sub-step 3.4.1: Locate the Payment Address
Your American Express statement will have the mailing address for payments.
Do not send cash.
Sub-step 3.4.2: Prepare and Mail
Write a check or money order payable to "American Express" or as instructed on your statement.
Clearly write your Marriott Bonvoy Amex account number on the payment.
Include your payment stub.
Mail it well in advance of your due date.
Step 4: Key Considerations for All Marriott Bonvoy Card Payments
Regardless of your issuer, keep these crucial points in mind:
4.1: Due Dates and Avoiding Late Fees
Always know your due date. This is the most important date for your credit card.
Payments must be received and processed by the due date to avoid late payment fees and potential damage to your credit score.
If your due date falls on a weekend or holiday, the payment is typically due on the next business day. However, it's always best to pay before the actual due date to be safe.
4.2: Minimum Payment vs. Paying in Full
While paying the minimum payment due will prevent a late fee, it will not prevent interest charges on the remaining balance.
To avoid interest charges entirely, you must pay your statement balance in full by the due date each month. This is highly recommended for responsible credit card usage.
4.3: Payment Posting Times
Online payments typically post within 1-2 business days, sometimes immediately.
Phone payments can also be relatively quick.
Mailed payments take the longest to process, so factor in significant mail time.
4.4: Verifying Payments
After making a payment, always check your online account or next statement to ensure the payment has been successfully processed and credited to your account.
Keep records of your payment confirmations.
Step 5: Troubleshooting Common Payment Issues
Sometimes, things don't go as smoothly as planned. Here's what to do:
5.1: Payment Declined or Failed
Check your bank account: Ensure sufficient funds are available.
Verify entered details: Double-check the routing and account numbers if you entered them manually.
Contact your bank: There might be a hold or issue on your checking account.
Contact your credit card issuer: They can tell you why the payment failed.
5.2: Late Payment
Pay immediately: Even if it's late, pay as soon as you realize.
Contact the issuer: If this is your first late payment, you might be able to get the late fee waived by calling customer service and explaining the situation. Be polite and ask if they can offer a "goodwill waiver."
Be aware of the consequences: Late payments can result in late fees and a negative mark on your credit report, which can impact your credit score.
5.3: Difficulty Accessing Online Account
Reset your password: Use the "Forgot Username" or "Forgot Password" links.
Clear browser cache and cookies: Sometimes browser issues can prevent login.
Try a different browser or device: Rule out local issues.
Contact customer service: If all else fails, call them for assistance.
By following these detailed steps, you'll be well-equipped to manage your Marriott Bonvoy credit card payments effectively, ensuring you continue to enjoy the benefits of your card without financial stress.
10 Related FAQ Questions:
How to check my Marriott Bonvoy credit card statement online?
You can check your Marriott Bonvoy credit card statement online by logging into your account on the issuer's website (Chase.com or AmericanExpress.com for most cards). Once logged in, navigate to your card account and look for "Statements" or "E-Statements."
How to set up automatic payments for my Marriott Bonvoy credit card?
To set up automatic payments, log into your online account with your card issuer (Chase or American Express). Go to the payment section, look for "AutoPay" or "Automatic Payments," and follow the prompts to configure it to pay your statement balance in full or a minimum amount from your linked bank account.
How to find the payment mailing address for my Marriott Bonvoy credit card?
The payment mailing address for your Marriott Bonvoy credit card can be found on your physical monthly statement. It is typically a P.O. Box address provided by your card issuer (Chase or American Express).
How to make a phone payment for my Marriott Bonvoy credit card?
You can make a phone payment by calling the customer service number on the back of your Marriott Bonvoy credit card. For Chase-issued cards, these are typically 1-800-338-5960 (consumer) or 1-800-346-5538 (business). For American Express, refer to the number on your card or the Amex website.
How to avoid late fees on my Marriott Bonvoy credit card?
To avoid late fees, always ensure your payment is received and processed by your due date. The best ways are setting up AutoPay for the full statement balance or scheduling online payments well in advance of the due date.
How to pay off my Marriott Bonvoy credit card completely to avoid interest?
To avoid interest charges, you must pay your full statement balance by the due date each month. Paying only the minimum amount will still incur interest on the remaining balance.
How to change the due date of my Marriott Bonvoy credit card?
Some credit card issuers, including Chase and American Express, allow you to change your due date. You can usually do this by logging into your online account and looking for "Account Services" or "Manage Account" options, or by calling customer service.
How to get a late payment fee waived for my Marriott Bonvoy credit card?
If it's your first time being late, you can call your credit card issuer's customer service (Chase or American Express) and politely explain the situation. Many issuers offer a "goodwill waiver" for a first-time late payment.
How to link a new bank account for Marriott Bonvoy credit card payments?
You can link a new bank account by logging into your online account with your credit card issuer (Chase or American Express). Navigate to the payment or profile section, look for "Add a Bank Account" or similar, and enter your new bank's routing and account numbers.
How to check if my Marriott Bonvoy credit card payment was successful?
After making a payment, you should receive a confirmation message or email. To verify, log into your online account with your card issuer (Chase or American Express) after 1-2 business days to see if the payment has been posted and your balance updated.
