In the event you’re planning a getaway to a Marriott resort and don’t have sufficient factors to e book as an award keep, or just need to preserve your factors, you would possibly take into account making a Money + Factors reserving. Marriott’s Money + Factors redemption choices provide the potential to e book a keep by paying a money copay and a fraction of the factors for a standard award evening, and your decisions are outlined in a helpful chart.

For instance, as a substitute of cashing in 35,000 Marriott factors for one award evening at a Class 5 resort, you might probably e book the identical keep by paying $140 and utilizing 17,000 factors. This is a better take a look at whether or not reserving a Money + Factors fee is value it.

In regards to the Marriott Money + Factors charges

Blended 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. Consequently, the variety of accommodations taking part is extraordinarily restricted.

Moreover, there’s no simple solution to shortly see which accommodations are providing Money + Factors availability on your desired journey dates. You may solely see if there’s availability inside a person resort’s web site, which may be time consuming if you happen to’re evaluating a number of accommodations.

The redemption chart

Much like Marriott’s award chart for 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 evening begins as little as $55 + 1,500 factors for an off peak reserving at Marriott’s lowest Class 1 accommodations.


Whenever you e book an award keep solely with factors, you normally do not need to pay taxes and costs on prime of the factors with one exception: if the resort expenses a resort charge, you should have an extra money outlay for the keep.

Alternatively, if you e book a Money + Factors fee, you’ll be liable for any taxes and costs that apply to the money portion of the speed. Relying on the class resort, the extra taxes and costs can add a noticeable quantity to the price of the keep.

Take into accout, if you e book a Money + Factors fee, 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 fee, it’s a good suggestion to run the numbers to make certain you’re getting a very good deal. In sure circumstances, you is perhaps higher off paying the usual money room fee as a result of the money portion of the Money + Factors fee plus taxes and costs may be greater than what you’d pay for an everyday 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’ll be able to e book the Money + Factors fee for $250 + 25,000 Marriott factors. On its face, you’d be paying $250 to avoid wasting 20,000 Marriott factors. Nonetheless, the usual room fee for a similar keep is just $210.

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

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

A free evening award for this similar pattern reserving would require 70,000 factors. In different phrases, the $250 money cost permits you to save about $350 versus reserving the usual room fee, and it provides you a chance to avoid wasting 30,000 factors to place towards a future keep. What’s extra, the Money + Factors redemption may additionally be the most suitable 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. Normally 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 fee value it? Briefly: It relies upon.

Reserving this fee can probably cut back your out-of-pocket price for a resort keep and should attraction to Bonvoy members who don’t have sufficient factors collected to e book a free evening at a particular property. To your keep, evaluate the money copay portion of the Money + Factors fee to the usual room fee. In sure circumstances, the money fee of the keep may really be cheaper.

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

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