An OMAAT reader shared a frustrating experience he recently encountered at a Marriott property. People bring all kinds of airline and hotel situations to my attention, and sometimes the travel brand is in the wrong, sometimes the traveler is in the wrong, and sometimes fault lies somewhere in the middle. This is an interesting one, as it’s quite nuanced…
In this post:
Marriott mobile check-in leads to major issue for family
A Marriott Bonvoy Titanium Elite member recently had an unfortunate situation involving a Marriott property in Nevada. Let me just share the message he sent me:
Recently, my wife, our three-year-old, and I were forced to sleep in our car in Las Vegas after the newly opened dual-branded Element & AC Hotel Symphony Park refused to honor my confirmed reservations. The only reason: I had misplaced my physical plastic credit card.
I had relied on Marriott’s advertised Digital/Mobile Check-In—promoted as a way to skip the front desk—precisely because my ADHD and a traumatic brain injury make it easy for me to misplace physical items. Despite presenting valid government ID and offering multiple secure alternatives (including live verification through the Amex app and an electronic authorization form), the property turned us away.
Marriott corporate later supported the property’s decision even while continuing to advertise mobile and digital check-in as features that eliminate the need to visit the desk. They also denied my Ultimate Reservation Guarantee claim, saying it doesn’t apply in these circumstances—even though the published terms simply require that a confirmed reservation “cannot be honored,” with no exclusion that fits my case.
The human impact was immediate and harsh: my young child and wife slept in our vehicle on a hot Las Vegas night while I repeatedly sought help through every official channel.

My take on this unusual denied check-in experience
First of all, I’m sorry to hear about the ADHD and traumatic brain injury, and how that makes it easy to misplace physical items. I’m sure some people will have some things to say about the misplacing of the card, but let’s ignore that and not go there, because I don’t think it’s core to what’s going on here.
I often learn when readers share their experiences with me, and this is no exception. I feel like when I use mobile check-in with Marriott, it rarely works as intended. Often I’m still told to stop by the front desk, and then they’ll swipe my credit card anyway. So my initial reaction was sort of “well, of course you still need a credit card when you show up at a hotel.”
But as I read more of the correspondence between the traveler and Marriott, and the more I looked at Marriott’s website, the more I think he’s right. On Marriott’s website, I don’t see any mention of needing to present a physical card at the property when using mobile check-in.
The thing is, the guest had Apple Pay, and he had a physical ID, but the hotel insisted that a physical card was required. Even an ID along with an electronic payment authorization form wasn’t accepted.
The guest complained to Marriott corporate, and eventually received the following message from the general manager:
I wanted to reach out and follow up with you regarding your most recent stay. I do apologize for not being able to check you in without a physical Creditcard being present at the time of check-in.
At our property we do require a matching id and Creditcard be run through our chip & pin machine at time of check in for every guest. I do sincerely apologize for any inconvenience this may have caused you.
Marriott corporate backed the property, and even acknowledged the inconsistency between advertised amenities and operational practices, which is kind of wild:
Following our review, we can confirm that the property acted within its rights in requesting a physical credit card and government-issued identification at check-in. While Digital and Mobile Check-In are offered as conveniences across many Marriott properties, physical verification remains a standard practice at select locations. This measure is in place not only to validate the identity of the cardholder but also to help prevent fraudulent activity and ensure the safety and security of all guests.
We acknowledge the inconsistency between the advertised amenities and the operational practices you encountered. Your observations regarding the conflicting information provided by hotel staff and the challenges this presents for guests relying on digital tools have been shared with our internal teams for further evaluation.
The guest (smartly) responded with the following, in part:
When a company continues to promote a specific feature as an inducement to purchase, knowing it will not be delivered, the question ceases to be one of internal policy and becomes one of deceptive trade practice—an area of consumer-protection law with clear statutory remedies.
To be absolutely clear: I am not asking Marriott to end Digital/Mobile Check-In or to change global marketing.
I am simply asking that advertising at this particular property accurately describe the conditions under which check-in is truly available.
A straightforward edit of the property’s amenity list—removing “Digital Check-In” or clearly stating that a physical card is always required—would resolve the inconsistency and protect both guests and Marriott from the risk of regulatory scrutiny.
The guest also points out how he could use Apple Pay to pay at the on-property restaurant without showing ID, for a bill that was roughly the same cost as a room. But if he actually wanted to check into a room, he needed a physical card.
So while I was on the fence at first, I think this person is 100% right. But more than anything, this is just such awful hospitality. Look, I get a limited service property in Las Vegas might not consider itself to be part of the “hospitality industry,” but think about this for a second.
You have a high tier elite member who performed mobile check-in, had a physical ID, and could pay digitally, and ultimately you denied him a room, so the family (including a small child) ended up sleeping in a car. Even if the hotel has a policy of requiring a physical card, you’d think that sometimes exceptions could be made, both because it’s good business and because it’s part of being a decent person.
When you even have Marriott corporate acknowledging “inconsistency between the advertised amenities and the operational practices you encountered,” but still refusing to do anything, it really sums up the state of Marriott’s approach to service nowadays.
Bottom line
A family was going to stay at a Marriott property in Las Vegas, and completed mobile check-in. However, when they showed up at the hotel, they still needed to present a physical credit card. That’s right, they didn’t accept a mobile payment, credit card authorization form, or anything else, despite the guest having a valid ID.
With no other options, the family ended up having to sleep in a car. If the hotel wants to have a policy of requiring physical credit cards and not actually allowing mobile check-in without stopping at the front desk, that’s fine. But that should also be clearly disclosed. The lack of decency and common sense shown here is pretty staggering, both on the property level, and on the corporate level.
What do you make of this Marriott check-in mess?
Funny how they never need the physical card to charge you a prepayment, no show or the occasional incidentals that someone else put on your room number after you checked out.
I recently had a Marriott hotel email me to let me know that even though my reservation was prepaid, I must bring the exact physical card (not just any card) with me to be able to check in. This was not just a non-cancellable reservation; the charge had already posted to my credit card and the stay was a few weeks away. I suppose it's good that they are least notified me, but it is still a ridiculous requirement.
I have been involved in different aspects of the travel industry for years and I am a former Nevadan.
I am so very sorry for this families experience but I can share from experience that Nevada in general and Las Vegas in particular have more stringent credit requirements for lodging. This is a part of the world that places no trust in customers / guests.
I am also condemning Marriott for even suggesting...
I have been involved in different aspects of the travel industry for years and I am a former Nevadan.
I am so very sorry for this families experience but I can share from experience that Nevada in general and Las Vegas in particular have more stringent credit requirements for lodging. This is a part of the world that places no trust in customers / guests.
I am also condemning Marriott for even suggesting that a person could check into a property without a physical card. Shame on Marriott.
Not really victim blaming and maybe I don't have the full picture but it's las Vegas. Nobody is going there this year. Tourism there is down significantly. There are empty rooms all over the strip. He couldn't book another? He travels and don't have more than 1 physical credit card between the couple?
I don't excuse Marriott but when I used to be their customer I just assume they would screw something up all the...
Not really victim blaming and maybe I don't have the full picture but it's las Vegas. Nobody is going there this year. Tourism there is down significantly. There are empty rooms all over the strip. He couldn't book another? He travels and don't have more than 1 physical credit card between the couple?
I don't excuse Marriott but when I used to be their customer I just assume they would screw something up all the time. Skip the desk check-in was definitely something I wouldn't trust them on. That company is just ridiculously inept when it comes to tech. They hire all the people that other companies reject.
I think the issue has to do with Las Vegas. I don't know if this is required due to unique requirements in LAS, but Vegas hotels customarily require that the guest present at check-in the same card used to make the reservation. I'm not defending the hotel — they should have tried to find a way to make it work — but their hands may have been (somewhat) tied.
I also know that when iPhone...
I think the issue has to do with Las Vegas. I don't know if this is required due to unique requirements in LAS, but Vegas hotels customarily require that the guest present at check-in the same card used to make the reservation. I'm not defending the hotel — they should have tried to find a way to make it work — but their hands may have been (somewhat) tied.
I also know that when iPhone stores a credit card in Apple Pay, it's a different number from the physical card.
1) Not all properties are set up to accept Contactless payment methods. I had a recent check-in where I had to swipe (yes, with mag stripe). This was 2 weeks ago.
2) The hotel should have been able to use the card on file used to reserve the room. Unless the guest wanted to use a different credit card, which then creates the issue.
3) Couldn't he had reserve a room elsewhere that accepts contactless...
1) Not all properties are set up to accept Contactless payment methods. I had a recent check-in where I had to swipe (yes, with mag stripe). This was 2 weeks ago.
2) The hotel should have been able to use the card on file used to reserve the room. Unless the guest wanted to use a different credit card, which then creates the issue.
3) Couldn't he had reserve a room elsewhere that accepts contactless payment with a walk-up rate?
4) If this was an Amex card, they should have contacted Amex customer service, as they used to have a service to contact the merchant for card-not-present transaction, usually due to lost card and using this method in the interim.
Were they charged a no-show fee?
I have ADHD and an ABI that made me forget my credit card, but I'm not so impaired that posting a public complaint on the internet is beyond me.
Digital key means just that. The key to your room is in digital form on your phone. So, why did this gentleman, a frequent hotel guest, stop at the front desk. Secondly, having gone to the front desk, you will almost always be required to show ID. Thirdly, who travels by themself or, more so, with a family and none of them have a credit card.
I have stayed at multiple Marriott properties at which they will not accept Apple pay and are only willing to accept a physical card. Upon asking why, at one Marriott, they told me that Apple Pay makes it more difficult to keep the card number in case additional charges need to be added on later. I have no idea whether that is correct or if the front desk staff member was just saying that.
I...
I have stayed at multiple Marriott properties at which they will not accept Apple pay and are only willing to accept a physical card. Upon asking why, at one Marriott, they told me that Apple Pay makes it more difficult to keep the card number in case additional charges need to be added on later. I have no idea whether that is correct or if the front desk staff member was just saying that.
I recall staying at one Marriott where the front desk staff told me that they deliberately disabled their card readers from accepting Apple Pay and contactless payments in general to combat fraud.
@Ed One of the Marriotts that required the usage of a physical card instead of Apple Pay was in Melbourne.
The correct answer here is tokenisation - tokenise the payment instrument and hit the token again if needed.
If the property is storing the card number, they need to be in compliance with the PCI DSS, and the mechanisms for doing so typically allow for hitting a payment instrument again without giving anyone access to the PAN and other details.
I suspect the properties offering such pathetic excuses are not acting in a compliant fashion.
I would have booked a room at a different hotel and made Marriott pay for it later.
Once had a flight cancelled and figured doing mobile check-in would hold my room/reservation and show me as checked-in. Woke up the next morning to an email that my reservation was cancelled.
After having numerous similar experiences as Ben (checked-in via mobile but was still forced to visit the front desk) and the one mentioned above, I have given up on mobile check-in.
Not siding with the hotel at all (actually opposite)- but to clarify:
- did hotel want ANY credit card for deposit - or did they need the specific credit card used to make and pay for (I am assuming) pre-paid reservation?
in other words, was hotel just trying to get a form of payment - or to prove that the person is not trying to use someone else's reservation?
When I stayed with Hilton hotels, I checked-in on the app and when the room is ready, I get a digital key on the app, bypassing the check-in counter completely. Done it so many times in different Hilton hotels. Marriott needs to wise-up quick! Perhaps that's an indication that they have no faith in their website/app security!
I’d be utterly stuffed. Often now when traveling domestically in Australia I don’t take the physical cards with me just the digital ones.
Ben, consider writing an article about where physical cards must be shown. Now on my list is Marriott, though it might be just for digital checkin? I thought EVA Air sometimes asks for it.
When a physical card is requested, is it possible to just pay with another card if you don't have the physical card.
EVA asked for it when tickets are booked directly from the website. Why? because EVA has a ton of issues getting chargeback after the flight is taken.
I wish Marriott cared.
They have no incentive to care. They treat you all like shit, but y'all keep on staying with them because "loyalty", a half-assed breakfast for free, and the room-upgrade craps-shoot. Vote with your feet, and tell them why you're leaving. Right now they're clearing billions a year in net profit. The only thing they'll understand is a hit to the bottom line.
People do not stay with Marriott because of "loyalty". That thing died a long time ago.
People stay with Marriott because their employer is footing the bill and Marriott issues magical internet points which traveling consultants end up using later on personal trips. This is known as the "principal-agent problem" in Economics. It is why they get away with charging $500 per night in a shitty hotel.
As long as this conflict of...
People do not stay with Marriott because of "loyalty". That thing died a long time ago.
People stay with Marriott because their employer is footing the bill and Marriott issues magical internet points which traveling consultants end up using later on personal trips. This is known as the "principal-agent problem" in Economics. It is why they get away with charging $500 per night in a shitty hotel.
As long as this conflict of interest persists, Marriott got traveling consultants by the balls and they will like it.
And why couldn’t he find another hotel room in all of Las Vegas?
ADHD. He wanted Marriott to fix THIS problem!!!
It's wrong to label digital check in at a property where standard procedure is to bypass it and require physical check-in, as the guest found.
But if I had an issue with forgetting things, and am traveling with a spouse, then why not have the spouse carry a physical card when traveling as a safeguard?
Seems a hotel wouldn't be the only place where not having a physical card would cause issues.
The stay in a car overnight wasn't entirely on Marriott.
All my sympathy to the person here BUT I am sorry but disagree with this: "With no other options, the family ended up having to sleep in a car.
First, the guy is a Titanium guest which means he travels a lt so are you saying he had no credits cards on him? How about his wife? Doesn't she carry a credit card in her name that could have been used for the reservation?...
All my sympathy to the person here BUT I am sorry but disagree with this: "With no other options, the family ended up having to sleep in a car.
First, the guy is a Titanium guest which means he travels a lt so are you saying he had no credits cards on him? How about his wife? Doesn't she carry a credit card in her name that could have been used for the reservation? Also, have a family sleep in the car? C'mon! This is not a small towns with only one hotel, s..t happens, get your car and find another hotel for your wife and kid to rest safely until you figure out the Marriott issue. Yes, you may have to pay more but not let your family sleep in the car.
Absolutely
I’m not sure that blaming the victim is the way to go here.
@Christian sometimes "victims" acting in such a bewilderingly stupid way that they have to shoulder some of the blame. This guy; and his wife, like, is she in some kind of coma? Is she mentally challenged to the point where she can't negotiate a hotel reservation?; gave up before they even tried.
You didn't read the article. The hotel wanted the credit card used to make the reservation. Not a different card.
I have routinely made reservations with one card and then used another to check in and pay with. I’ve never had an issue.
I also find it incredibly hard to believe that they would turn down payment from another card.
@Joe D, the way I read it, the article doesn't actually say that...it says "a" card, not "the" card. The impression I get is they wanted _any_ card with the same name as the ID. But I'd love to see some clarification, Ben, you have any!
So, what is the worst case scenario? While in the hotel lobby, grab your phone, book a new reservation with a new credit card under his wife's name (assuming she has a credit card on her) and do not let your family sleep inside the car.
But, did the family offer/have another physical card? Did Marriot say "you must have that physical card" or "we must have a physical card"? The former seems silly; let them use another physical card. The latter seems like a policy one might be able to justify. Why? Because, there are differences in how banks treat tapping vs. insertion vis-a-vis transaction dollar limits.
What’s weird is around 8/10 times staying at a Marriott property in the US I can use Apple Pay on the cc reading machines, just like tapping a physical card. And many of those times the person working the front desk is surprised it worked. I just don’t understand how “tapping” payments is becoming more and more universal all over the world, the less I want to present my card to vendors with the threat...
What’s weird is around 8/10 times staying at a Marriott property in the US I can use Apple Pay on the cc reading machines, just like tapping a physical card. And many of those times the person working the front desk is surprised it worked. I just don’t understand how “tapping” payments is becoming more and more universal all over the world, the less I want to present my card to vendors with the threat of the card being spoofed from a tampered reader.
Plus what’s the point of showing my card if the app has my card information, the card can be recharged with some reservations, and you should’ve able to say, yes I want to use that card on file for incidentals. If my ID matches the reservation and the card/charge is accepted, i still don’t understand the stand by Marriott needing a physical card.
This is preposterous. Demanding a physical credit card when the same card in the Apple Wallet is ridiculous when the two avenues to the same account perform the same function. That's the definition of a petty and arbitrary interpretation of a rule/guideline, and as Ben said, it is also reflective of very poor hospitality. I will be delighted to put the Element Las Vegas Symphony Park at 330 S Grand Central Pkwy, Las Vegas, NV 89106 on my personal no-stay list.
Agreed it was pretty ridiculous of the hotel- but I’m surprised that someone who is a frequent enough traveler to be a Marriott Titanium only travels with one credit card?
My question is what if I’m traveling and my company booked my room. Often times I have zero access to the card they are paying as the room is billed to my company and the companies travel person is the one that makes all the arrangements and then just tells me where to check in.
In those cases I don’t even have access to that card. I know I’m not the only person who travels whose company does the travel arrangements, and has their card on file. What happens then?
I have made bookings for coworkers in the past. I always fill out a credit card authorization form with the hotel in advance with a copy of my credit card and ID.
Hmm. I don’t have a take here, but I will share my experience at many hotels - they often insist on a physical card to be inserted (not tapped) on a reader. Why, I have no idea. Traveling with no physical credit, or at least debit, card is indeed risky. I am sorry to hear of the predicament your reader was in.
When I use mobile check-in, I literally never have to speak with anybody my entire stay UNLESS I’m wanting bfast vouchers or some other Elite benefit (which the front desk won’t issue w/o verifying ID/cc). But just to get into my room is never an issue as long as my phone isn’t dead!
@Pam - that's up to the hotel, some are more risk averse and force some or all mobile check-ins to the front desk.