尘埃落定！万豪喜达屋联名信用卡由AmEx和Chase共同发行！

盼星星盼月亮，大家等待的SPG Marriott合并大事终于有了新的进展了，是关于联名信用卡的—— 新的联名卡依然保持现有的发行银行  JPM Chase和 运通 Amex！

先上官方消息来源：https://www.prnewswire.com/news-releases/marriott-international-signs-new-co-brand-credit-card-agreements-with-jpmorgan-chase-and-american-express-300566733.html

BETHESDA, Md., Dec. 5, 2017 /PRNewswire/ — Marriott International (NASDAQ: MAR) today announced it reached new agreements with JPMorgan Chase and American Express for its U.S.-issued, co-brand credit cards associated with its loyalty programs. These multi-year agreements will extend Marriott’s relationship with both card issuers and cover the Marriott Rewards and Ritz-Carlton Rewards Visa credit cards from JPMorgan Chase, and the Starwood Preferred Guest (SPG) credit cards from American Express.

这段主要信息是，JPM Chase和 AmEx达成了多年的Agreement，两者共同发行万豪和喜达屋信用卡，且Ritz依然是JPM Chase发行的Visa，SPG 依然是AmEx发行。

“Marriott’s co-brand credit cards have been a meaningful contributor to the success of Marriott’s loyalty programs and a sign of the extraordinary value of our portfolio of brands,” said Arne Sorenson, Marriott International’s President and Chief Executive Officer. “We are pleased to bring together the power of JPMorgan Chase and American Express with our global portfolio of brands to continue to provide consumers with choices. We expect our loyalty program members, owners and franchisees, and our shareholders will see significant incremental benefits from these new agreements.”    

Marriott expects to introduce new, co-brand products starting in 2018 with enhanced member benefits – super-premium consumer and small business co-branded products from American Express and mass consumer and premium consumer co-branded products from JPMorgan Chase. Additional details on the future products will be shared in 2018. In the meantime, both companies will retain their existing portfolio of accounts and continue to offer their current products.

这段重要的信息是：AmEx将发行超高端版本的SPG信用卡和small business商业卡，而Chase将发行相对低端但占有用户将更多的Marriott/Ritz联名卡，有关联名卡的信息2018年会share给大家。

“We are excited to build on our long-term partnership with Marriott and look forward to continuing to serve our mutual customers with the products and experiences they love,” said Jennifer Piepszak, CEO of Chase Card Services. “Together, we also plan to invest in new mass and premium consumer products that will bring choice and variety to the marketplace, along with the depth and breadth of Marriott International’s portfolio of brands.”

Chase 是这么表态的：“我们要发行 new mass and premium consumer products ”

“The American Express relationship with Marriott dates back more than sixty years and we are pleased to continue an important component of our partnership,” said Glenda McNeal, President, Strategic Partnerships at American Express. “We’ll continue to provide our Starwood Preferred Guest Card Members with the award-winning benefits, services and experiences they have come to enjoy on their existing product, while building our portfolio within the family of Marriott brands to serve affluent travelers and small businesses.”

AmEx 是这么表态的：“我们和万豪有60年的合作关系了，所以我们会发有牛逼福利的SPG联名卡哦

For now, there will be no changes to Marriott’s existing co-brand cards for members. Members using the Marriott Rewards and The Ritz-Carlton Rewards Visa credit cards from JPMorgan Chase, as well as the Starwood Preferred Guest credit cards from American Express will continue to earn and redeem points as usual. SPG members in the U.S. can earn two Starpoints® for every eligible dollar spent using the Starwood Preferred Guest credit cards by American Express directly at hotels participating in SPG and Marriott Rewards globally. In addition, Marriott Rewards and The Ritz-Carlton Rewards members in the U.S. can earn five Rewards points for every eligible dollar spent using the JPMorgan Chase Marriott Rewards and The Ritz-Carlton Rewards Visa credit cards on qualifying purchases made at participating global Marriott Rewards and SPG properties.

这段是说目前持卡人的earning 福利不会变化

These credit card agreements are the latest example of the significant economies of scale and competitive advantage that are resulting from Marriott’s acquisition of Starwood Hotels & Resorts. In late 2018, Marriott expects to launch a single technology platform for Marriott Rewards, which includes The Ritz-Carlton Rewards, and SPG. This should enable the company to synch the technology-dependent components of each program, further reducing costs. The new technology platform will also take Marriott one step closer to the goal of having a single loyalty program for the company’s 100+ million members in the current Rewards and SPG loyalty programs.

这段说的 2018年较晚时候，万豪预计会推出一个单独的技术平台，将Ritz Marriott SPG三大常客计划包含在内。

 

牧羊场点评：

1. 对于当前持卡人的影响：和我们之前写的《万豪SPG合并最新事宜》里提到的一致，当前的持卡人保持不变。新卡出来以后应该可以选择更新福利。持有SPG卡和Chase万豪卡的朋友就先别关了，明年没准还能refer一波大的，想想Barclaycard 的us airway卡即将转aviator之前那一波大规模refer史高offer，还是有一点期待的
2. 还没有SPG AmEx/Chase Marriott/Ritz JPM的是否应该先申请？这个问题，Marriott Chase 5/24的限制不谈，我们还是推荐大家尽早的入手现有版本的，毕竟AmEx那边如果卡的福利和名字变化较大，很可能算成新的产品，未来还能申一次拿第二次开卡奖励；而Chase本身可Churn，如果你之前拿过Marriott Ritz的开卡奖励，无论是否是new product，都不会影响你再拿一次的，就是时间问题；Ritz的话，有一定可能新发行的卡将没有现在的栗子卡那么高端，所以还是建议有机会就入一张吧。
3. Chase和AmEx瓜分万豪SPG联名卡用户的agreement很类似当年US Airways和AA合并时，Citi和Barclaycard的方式，各自抓住各自的用户，然后改变联名卡基础属性（earn miles 和 常旅客福利），最后计划完全合并以后依然保持各自的信用卡然后巴克莱也推出高端版本的信用卡，福利上也略有差异，比如刷卡给定级里程。 对比SPG和万豪当前的信用卡，万豪刷卡给定级房晚，SPG则是返现率更高，是不是很类似。