Are Marriott Money + Factors Charges Value It?

Should you’re planning a getaway to a Marriott resort and don’t have sufficient factors to e-book as an award keep, or just wish to preserve your factors, you may think about making a Money + Factors reserving. Marriott’s Money + Factors redemption choices provide the skill to e-book a keep paying a money copay and a fraction of the factors for a conventional award night time, and your decisions are outlined in a useful chart.

For instance, as a substitute of cashing in 35,000 Marriott factors for one award night time at a Class 5 resort, you would probably e-book the identical keep paying $140 and utilizing 17,000 factors. Here is a more in-depth take a look at whether or not reserving a Money + Factors charge is price it.

Concerning the Marriott Money + Factors charges

Combined availability

Earlier than diving into particulars of the Marriott Money + Factors redemptions, it’s vital to know that Marriott has discretion on Money + Factors room availability. In consequence, the variety of lodges taking part is extraordinarily restricted.

Moreover, there’s no simple technique to rapidly see which lodges are providing Money + Factors availability on your desired journey dates. You possibly can solely see if there’s availability inside a person resort’s web site, which will be time consuming for those who’re evaluating a number of lodges.

The redemption chart

Just like Marriott’s award chart totally free nights, the Money + Factors redemption chart particulars the associated fee for off peak, customary and peak bookings throughout Marriott’s eight classes. Reserving a Money + Factors night time begins as little as $55 + 1,500 factors for an off peak reserving at Marriott’s lowest Class 1 lodges.


While you e-book an award keep solely with factors, you normally do not should pay taxes and charges on high of the factors with one exception: if the resort costs a resort charge, you’ll have an extra money outlay for the keep.

Then again, whenever you e-book a Money + Factors charge, you’ll be answerable for any taxes and charges that apply to the money portion of the speed. Relying on the class resort, the extra taxes and charges can add a noticeable quantity to the price of the keep.

Remember, whenever you e-book a Money + Factors charge, you will not earn factors based mostly on the money portion of the award.

Discovering worth (or not) with Marriott’s Money + Factors awards

Earlier than reserving a Money + Factors charge, it’s a good suggestion to run the numbers to make sure you’re getting deal. In sure instances, you is perhaps higher off paying the usual money room charge as a result of the money portion of the Money + Factors charge plus taxes and charges will be greater than what you’d pay for a daily keep.

For instance, the Union Station Resort Nashville, Autograph Assortment is a Class 7 Marriott resort. A pattern one-night award prices 45,000 factors, or you may e-book the Money + Factors charge for $250 + 25,000 Marriott factors. On its face, you’d be paying $250 to save lots of 20,000 Marriott factors. Nevertheless, the usual room charge for a similar keep is simply $210.

On this instance, the Factors + Money possibility isn’t economical.

Right here’s an instance the place the Money + Factors charge may make sense. A pattern one-night keep at The Ritz-Carlton, Rancho Mirage, a Class 7 Marriott resort, prices practically $600. Nevertheless, you may e-book a Money + Factors keep throughout this peak journey interval for $250 + 40,000 Marriott factors.

A free night time award for this identical pattern reserving would require 70,000 factors. In different phrases, the $250 money fee means that you can save about $350 versus reserving the usual room charge, and it offers you a chance to save lots of 30,000 factors to place towards a future keep. What’s extra, the Money + Factors redemption may also be the best choice for vacationers who don’t have the 70,000 factors saved up of their account.

NerdWallet values Marriott factors at 0.9 cent every. Often Money + Factors redemptions received’t get you over that worth (this instance comes out to 0.eight cent per level), however utilizing Money + Factors can nonetheless be sensible to permit you keep at a resort you couldn’t in any other case afford.

The underside line

Is reserving with the Marriott Money + Factors charge price it? Briefly: It relies upon.

Reserving this charge can probably scale back your out-of-pocket value for a resort keep and will attraction to Bonvoy members who don’t have sufficient factors amassed to e-book a free night time at a selected property. On your keep, examine the money copay portion of the Money + Factors charge to the usual room charge. In sure instances, the money charge of the keep may really be cheaper.

Needless to say resort participation within the Money + Factors program is on the property’s discretion, which implies availability is restricted.

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