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Marriott is the largest hotel company in the world, and its loyalty program is among the most popular, especially among business travelers. If you travel for work, as I do, you’ll probably stay at a Marriott at some point and need to know how to book with Marriott corporate codes.
What makes Marriott’s corporate program different from other chains is the sheer number of codes available and the Breakaway leisure program that lets employees use company rates for vacation travel. The challenge isn’t finding codes—it’s knowing which ones actually work best for your destination and how to compare them efficiently.
How Marriott Corporate Codes Work
Marriott corporate codes are 3-4 character identifiers that link to negotiated rates between Marriott and specific companies or organizations. When you enter a code during booking, Marriott’s system applies the corresponding discount if that property participates in the program.
Here’s what I’ve learned about how these codes actually work: Large consulting firms like Deloitte (DTC), Accenture (ACC), and IBM typically have chain-wide agreements that work at most Marriott properties globally. Fortune 500 companies often have both chain-wide rates and deeper property-specific discounts near their headquarters or major offices. Universities usually offer good rates within 30-50 miles of campus but limited coverage elsewhere.
The discount you get varies significantly by property and market. In major cities like New York or San Francisco, I’ve seen corporate codes save 30-50% off standard rates because rack rates are inflated. In suburban markets, the same code might only save 10-15% since baseline rates are already lower.
Benefits of Marriott Corporate Codes
Most Marriott corporate rates include flexible cancellation up until noon on your arrival day, which is more generous than the standard 24-hour policy. You’ll earn full Marriott Bonvoy points and elite night credit on these stays, and all your elite benefits apply—room upgrades, late checkout, lounge access, and anything else you’d normally receive.
Some corporate agreements include additional perks, like complimentary breakfast or parking, though these vary by company and property. The rate details will show exactly what’s included before you book.
Who Actually Qualifies
Corporate rates are intended for employees, contractors, and consultants traveling on behalf of the company that negotiated the rate. Some companies extend eligibility to retirees or allow personal travel use—you’ll need to check your company’s specific policy.
In my experience, Marriott properties may ask for proof of eligibility at check-in, particularly at full-service hotels in major cities or during high-demand periods. Airport hotels and convention center properties tend to be verified more frequently than suburban properties.
What You May Need to Show at Check-In
Marriott properties can verify your eligibility at any time. While enforcement varies, you should be prepared to provide:
- Company ID badge or employee credential
- Business card with company affiliation
- Corporate credit card bearing the company name
- Work email address matching the company domain
- Travel authorization or approval documentation
- Proof of contractor relationship (for consultants/vendors)
If you can’t demonstrate eligibility, the hotel may reprice your reservation to the best available public rate, remove corporate benefits, or in busy periods, potentially cancel the reservation.
The Best Corporate Codes by Company Size & Type
Not all corporate codes are created equal. The best discounts typically come from companies that bring Marriott significant volume, which means large consulting firms and Fortune 500 corporations with frequent business travel.
Global Consulting Firms (Best Chain-Wide Coverage)
The consulting firm codes work consistently across Marriott’s global portfolio because they negotiate system-wide agreements based on massive annual spending.
Because their employees travel to client sites worldwide, these codes are generally “Chain-Wide,” meaning they work at almost any Marriott property, from a Moxy in Berlin to a Ritz-Carlton in Tokyo.
- Deloitte (Code: DTC): In my 30 years of travel, this remains the “Gold Standard” code. It consistently offers 25-35% off, but because it is so valuable, it carries a High Verification Risk.
- Accenture (Code: ACC): Best for global coverage. While the discount is slightly lower than Deloitte (usually 20-30%), it works at a wider variety of Marriott brands. Risk: High.
- IBM (Code: IBM): Ideal for consistent worldwide availability. IBM has a massive travel volume, making this a reliable code for international road warriors. Risk: High.
- Ernst & Young (Code: ERN): Extremely reliable at premium business hotels and full-service Marriotts. Risk: High.
- PwC (Code: PCW): Strongest in major financial hubs (NYC, London, Hong Kong). Risk: High.
- McKinsey & Company (Code: MCO): Often yields the deepest discounts at high-end luxury brands like St. Regis or JW Marriott. Risk: High.
Fortune 500 Companies (Best Near Headquarters)
Unlike consulting firms, these corporations negotiate “City-Specific” deeper discounts. If you are traveling to a city where one of these giants is headquartered, these codes can outperform any other discount on the market.
- Boeing (Code: BOE): Look for massive savings in Seattle, Chicago, and Charleston. I’ve seen this code cut rates in half near Boeing flight centers. Risk: Medium.
- Procter & Gamble (Code: PAG): If you are headed to Cincinnati, this is the only code you need. It offers unprecedented coverage in the Ohio River Valley. Risk: Low.
- Ford Motor Company (Code: FRD): Dominates the Detroit and Dearborn markets. Enforcement is generally low at suburban properties. Risk: Low.
- 3M Company (Code: MMM): The go-to code for the Minneapolis/St. Paul area. Extremely reliable at local Courtyard and Residence Inn properties. Risk: Low.
- General Electric (Code: GEE): Very strong in the Boston area and across the Northeast. As a legacy rate, it is rarely audited. Risk: Low.
- Microsoft (Code: MCO): Essential for travel to Redmond and the Greater Seattle area. Note: This code often overlaps with McKinsey’s, so check the property name carefully. Risk: Medium.
Technology Companies (Strong in Tech Hubs)
Tech company codes work best in San Francisco, Seattle, Austin, and other technology centers where these companies have significant presence.
Amazon (AMZ), Google (GGL), Microsoft (MCO), and Apple (APL) codes all deliver solid discounts in their respective home markets and decent savings elsewhere.
List of Marriott Corporate Codes
Below is a comprehensive list of Marriott corporate codes from major companies and organizations. I’ve organized them alphabetically and included typical discount ranges based on my testing and observations across different markets and property types.
Major Corporations
| Company Name | Marriott Code | Verification Risk | Comments |
| 3M Company | MMM | Low | Strongest discounts in Minneapolis/St. Paul. |
| A.T. Kearney | ATK | High | Consistent across luxury brands like Ritz/JW. |
| Abbott Laboratories | ABT | Medium | Great coverage in pharma-heavy markets. |
| Accenture | ACC | High | Strictly audited in global business hubs. |
| Adobe | ADO | Medium | Best value in San Jose/San Francisco markets. |
| ADP Payroll Services | ADP | Low | Reliable chain-wide; rarely flagged for audits. |
| Aetna Insurance | AET | Medium | Good for Hartford and health-hub cities. |
| Affiliated Computer Services | ACS | Medium | Wide coverage at mid-tier brands. |
| Alaska Airlines | A70 | Medium | Excellent for West Coast/Seattle properties. |
| Allstate Insurance | ALL | Low | Dependable legacy rate; low challenge rate. |
| Amazon | AMZ | Medium | Deep discounts in Seattle and Arlington (HQ2). |
| American Airlines | AA8 | Medium | Best near major hubs like DFW and CLT. |
| American Express | AMX | High | Financial hubs check IDs consistently. |
| American Family Insurance | AFI | Low | Consistent at suburban Courtyards. |
| AIG | AIG | High | Audited frequently at premium urban properties. |
| AOL | AOL | Low | Legacy rate with decreasing audit frequency. |
| Amway | AMW | Low | Reliable at properties near Grand Rapids. |
| Apple Inc. | APL | High | Expect ID checks near Cupertino and Austin. |
| Applied Materials | APP | Medium | Good for tech manufacturing regions. |
| AT&T | ATT | Medium | Extensive chain-wide coverage in the US. |
| Bank of America | BOA | High | Heavily audited in Charlotte and NYC. |
| Bank One | BOB | Low | Often works where newer Chase codes fail. |
| Barclays | BCL | High | Strongest in financial districts globally. |
| Bayer | BAY | Medium | Consistent at international properties. |
| Bechtel | BEC | Medium | Useful for project sites near major builds. |
| BMW | BMW | Medium | Great for travel near Greer, SC or Germany. |
| Boeing | BOE | Medium | Strong near Seattle, Chicago, and Charleston. |
| Booz Allen Hamilton | BAH | Medium | Best for government/contractor-heavy markets. |
| BP | BPA | Medium | Strong in Houston and global energy hubs. |
| Capital One | CAP | Medium | Good coverage in Virginia and NYC. |
| Cardinal Health | CDH | Low | Reliable in Ohio and medical hubs. |
| Caterpillar | CAT | Low | Strong near Peoria and manufacturing centers. |
| Chevron | CVX | Medium | Good for West Coast and energy corridors. |
| Chick-fil-A | CFA | Low | Deepest discounts in the Atlanta market. |
| Cisco Systems | CSC | High | Audited in San Jose and global tech hubs. |
| Citigroup | CIT | High | Financial district properties verify daily. |
| Clorox | CLX | Low | Good for travel near Oakland headquarters. |
| Coca-Cola | COK | Medium | Deepest discounts in Atlanta market. |
| Comcast | CO4 | Medium | Best near Philadelphia headquarters. |
| Convergys | CVG | Low | Strong coverage in the Midwest. |
| Costco | COS | Low | Reliable chain-wide; rarely flagged. |
| Cox Communications | COX | Medium | Consistent at Atlanta-area properties. |
| CVS | CVS | Low | Consistent at suburban properties. |
| De Beers | D86 | High | Best for luxury properties in luxury markets. |
| Deere & Company | DEE | Low | Best in Quad Cities and agricultural hubs. |
| Dell Technologies | DEL | Medium | Strong near Austin/Round Rock offices. |
| Deloitte | DTC | High | Heavily audited due to high-value discount. |
| Delta Air Lines | DLA | Medium | Strong near Atlanta and major Delta hubs. |
| Deutsche Bank | DBK | High | Audited at premium Frankfurt/NYC sites. |
| Disney | DIS | Medium | Good for Orlando/Anaheim business travel. |
| Dow Chemical | DOW | Medium | Strong near Midland, MI and chemical hubs. |
| DuPont | DUP | Medium | Reliable in Delaware and chemical centers. |
| Eddie Bauer | EDD | Low | Strongest in the Seattle/Pacific Northwest. |
| EDS | EDS | Medium | Consistent near Plano/Dallas tech sites. |
| EMC Corporation | EMC | Medium | Strong near Boston and tech manufacturing. |
| Ernst & Young | ERN | High | Consistent global audits at premium hotels. |
| ExxonMobil | XOM | Medium | Dominant in Houston and energy sectors. |
| Facebook (Meta) | FSF | High | Audited in Menlo Park and tech centers. |
| FedEx | FED | Low | Reliable in Memphis and logistical hubs. |
| First USA | FUS | Low | Legacy code; good at mid-tier properties. |
| Fleet Bank | FLT | Low | Still active at some Northeast properties. |
| FPL | FPL | Low | Strongest for travel throughout Florida. |
| Ford Motor Co. | FRD | Low | Strong near Detroit and Dearborn offices. |
| Fujifilm | FUJ | Low | Good for international business stays. |
| Gap, Inc. | GAP | Low | Strong in SF Bay Area and retail markets. |
| General Dynamics | G2D | Medium | Consistent near defense contractor hubs. |
| General Electric | GEE | Low | Long-standing legacy rate; rarely audited. |
| General Motors | GMC | Low | Best near Detroit and manufacturing sites. |
| Goldman Sachs | GS1 | High | Always bring ID for NYC/London stays. |
| GGL | High | High-risk for app-based “Visit Desk” flags. | |
| Hewlett Packard | HPQ | Medium | Strong near Palo Alto and Houston hubs. |
| Home Depot | HD1 | Low | Strongest in Atlanta and retail hubs. |
| Honeywell | HON | Medium | Consistent near aerospace/defense sites. |
| IBM | IBM | High | Heavily audited; requires badge or email. |
| Intel | INL | Medium | Best near Santa Clara and Chandler, AZ. |
| JC Penney | JCP | Low | Strong near Plano/Dallas retail hubs. |
| Johnson & Johnson | JOH | Medium | Consistent near pharma hubs like NJ. |
| JPMorgan Chase | JCH | High | Frequently checked at luxury/urban sites. |
| KPMG | KPM | High | One of the most common auditing targets. |
| Kroger | KRO | Low | Strongest in Cincinnati and retail markets. |
| Legg Mason | LGM | Medium | Good for travel in the Baltimore market. |
| Lockheed Martin | LMT | Medium | Strong near Bethesda and defense hubs. |
| Lowe’s | LOW | Low | Strongest near Charlotte headquarters. |
| Manhattan Associates | MAA | Medium | Good for tech business in Atlanta. |
| Merck & Co. | MRK | Medium | Consistent global pharma-hub coverage. |
| Microsoft | MCO | Medium | Best for Seattle and Pacific Northwest travel. |
| Morgan Stanley | MOS | High | Financial districts are high audit zones. |
| National City Bank | NCY | Low | Legacy rate still active at some sites. |
| Nike | NKE | Medium | Deepest discounts near Beaverton, OR. |
| Nissan | NIS | Medium | Strong near Nashville and auto hubs. |
| Northrop Grumman | NOR | Medium | Best for travel to DC and defense hubs. |
| Novartis | NOV | Medium | Good for international pharma business. |
| Novellus Systems | NVL | Low | Reliable tech rate; low audit frequency. |
| Oracle | ORA | Medium | Consistent savings in tech-heavy markets. |
| PepsiCo | PEP | Medium | Strong near Purchase, NY and Plano, TX. |
| Pfizer | PFE | Medium | Consistent at international pharma hubs. |
| Philips | PHI | Medium | Good for international business hubs. |
| Piedmont Natural Gas | PID | Low | Strongest in the Southeast US market. |
| Procter & Gamble | PAG | Low | Massive savings near Cincinnati HQ. |
| PwC | PCW | High | Heavily audited at urban business hotels. |
| Qualcomm | QUA | Medium | Dominant rate for the San Diego market. |
Understanding Verification Risk: How These Levels are Calculated
Verification Risk levels are not guesses; they are calculated using a 4-pillar model based on real-time hospitality trends and historical stay data.
The 4 Pillars of Our Risk Assessment
- The “Rate Delta” Threshold The primary trigger for an audit is the “spread” between the corporate rate and the standard Best Available Rate (BAR).
- Low Risk: Codes that offer a standard 10–15% discount.
- High Risk: High-volume codes (like IBM or Deloitte) that often slash rates by 40% or more. Most hotel Property Management Systems (PMS) automatically flag any reservation whose discount exceeds a specified threshold for manual ID verification at check-in.
- Automated “Digital Key” Audits Marriott and other major chains have integrated verification into their mobile apps. If you are using a high-risk code for the first time on your Bonvoy account, the system may intentionally disable your Mobile Key. This creates a “forced touchpoint” where the app instructs you to “Please visit the front desk to complete your check-in,” allowing the agent to verify your credentials in person.
- Property Tier & Labor Allocation
- Full-Service & Luxury: Brands like Ritz-Carlton, JW Marriott, and St. Regis have higher staffing ratios and dedicated “Rate Integrity” teams. Their goal is to ensure ADR (Average Daily Rate) isn’t diluted by unauthorized code usage.
- Select-Service: Fairfield Inn, SpringHill Suites, and Courtyard prioritize “Check-In Velocity.” In my experience, these properties only verify IDs during high-occupancy events (like a local convention) when every room is at a premium and they need to maximize revenue.
- Geographic Proximity Logic Hotels located within a 5-mile radius of a major corporate headquarters (e.g., Apple in Cupertino or P&G in Cincinnati) are significantly more likely to verify that specific company’s code. These hotels handle hundreds of these travelers a week and are intimately familiar with what the corporate ID badges, business cards, and travel itineraries should look like.
What These Levels Mean for You
- Low Risk: Verification is rare. These codes are generally older or negotiated at a level close to AAA rates. You are unlikely to be challenged, but you should still have a business card handy just in case.
- Medium Risk: Spot checks are common, especially during mid-week peak business travel. Properties in major metropolitan areas are the most likely to ask for a badge.
- High Risk: These codes are the “most watched” by hotel revenue managers. Expect to provide a physical ID, a corporate credit card, or a work email verification (where you send a blank email to the front desk from your company address) to secure the rat
Universities & Educational Institutions
University corporate codes are some of the most consistent hidden gems for savings, though they carry a unique “Geographic Risk” profile. While these rates are generally Low to Medium Risk, enforcement spikes significantly at properties located within a 30-mile radius of the campus, where front desk agents are specifically trained to verify faculty, student, or recruiter credentials.
| University | Code | Typical Discount | Coverage |
|---|---|---|---|
| Arizona State University | ASU | 15-30% | Best near Phoenix/Tempe |
| Duke University | DUK | 15-30% | Best near Durham |
| Florida State University | FSU | 15-30% | Best near Tallahassee |
| Harvard University | HRV | 20-35% | Best near Boston/Cambridge |
| MIT | MIT | 20-35% | Best near Boston/Cambridge |
| Michigan State University | MSU | 15-30% | Best near East Lansing |
| Northwestern University | NWU | 15-30% | Best near Evanston |
| Ohio State University | OSU | 15-30% | Best near Columbus |
| Penn State University | PSU | 15-30% | Best near State College |
| Stanford University | STN | 20-35% | Best near Palo Alto |
| Tulane University | T72 | 15-30% | Best near New Orleans |
| UC Berkeley | UCB | 20-35% | Best near Berkeley |
| UCLA | UCLA | 20-35% | Best near Los Angeles |
| University of Florida | UFL | 15-30% | Best near Gainesville |
| University of Georgia | UGA | 15-30% | Best near Athens |
| University of Miami | UM1 | 15-30% | Best near Miami |
| University of Michigan | UM2 | 20-35% | Best near Ann Arbor |
| University of North Carolina | UNC | 15-30% | Best near Chapel Hill |
| University of Southern California (USC) | USC | 20-35% | Best near Los Angeles |
| University of Texas | UTX | 20-35% | Best near Austin |
| University of Virginia | UVA | 15-30% | Best near Charlottesville |
| University of Wisconsin | UWI | 15-30% | Best near Madison |
| Yale University | YAL | 20-35% | Best near New Haven |
Notes on Discount Ranges
University corporate codes work differently than business codes. They’re designed primarily for official university travel—faculty attending conferences, staff on business, visiting professors, athletic teams, and campus recruiters.
That said, many universities also extend these codes to students, alumni, and families visiting campus. The University of Michigan code works for parents visiting students, and the Harvard code is available to alumni association members. Each university sets its own eligibility rules, so check with your school’s travel office or alumni association.
Important: Corporate code availability and discounts vary by property, dates, and occupancy. Chain-wide codes typically work at most Marriott locations, but some properties may not participate. Always verify the rate before booking, and only use codes if you have a legitimate affiliation with the organization.
How to Book with a Marriott Corporate Rate
To find out if a corporate rate is available, enter the company’s corporate code in the special rates tab when booking your room. The “Special Rates” box is located when you enter the destination you are looking for on this booking page. It’s the same place you would enter a Marriott coupon or a Marriott promo code. Here are detailed instructions for booking:
- On Marriott website or the Marriott app, enter your destination and travel dates.
- Click “Special Rates” or “Corp/Promo Code”.
- Enter the corporate code in the appropriate field.
- Click “Find Hotels” to see discounted availability.

If the hotels in your search do not offer the code you are looking for, it will appear “rate unavailable.”
Comparing Marriott Corporate Rates to Other Discounts
Corporate codes aren’t always your best option. Here’s how they stack up:
| Discount Description | Estimated Savings | Booking Link |
| Military & First Responder | Save 15% (code XYD) | Book Here |
| AAA/CAA Discount | Save 5-10% | Book Here |
| Government Rate | Save 5-10% | Book Here |
| Senior Discount (62+ years) | Save 5-10% | Book Here |
vs. Marriott Breakaway Rates
If your company participates in the Marriott Breakaway program, you can access corporate leisure rates for personal travel—typically 10-30% off. This is a legitimate option for personal trips.
vs. Marriott STARS
For luxury properties, compare corporate discounts with Marriott STARS rates, which include benefits like complimentary breakfast, room upgrades, and hotel credits.
How to use the Marriott App to Compare Multiple Rates
There is a little-known trick that can help you compare multiple codes and rates at the same time when using the Marriott App. This trick is only available via the app on your phone or tablet, not on your laptop or PC, so please keep that in mind.
Here is how to do it:
Open the Marriott app on your phone or tablet. Enter your location and dates, then click the arrow to open the “Special Rates” section

Once you click on the special rates tab, you will have the option to compare various rates. To do so, go to the field that says “Add Corp/Promo Code” and add up to 4 of the corporate codes you want to compare.

Now, you need to check the box to the right for each rate type you want to compare. You can also check the box to save this for future searches.

The results will be displayed with the hotels offering the corporate rate and which is the best. As you can see from the example below, the best code might not be the same at every hotel in a region. The results in this case show that one of the hotels does not offer a corporate rate; two have the best rate with a Deloitte code, and one has the best rate with an Accenture code.
You can select your property and room from here to complete the booking process.

What Can Go Wrong (And How to Handle It)
Most corporate code bookings go smoothly, but here are the situations I’ve encountered and how to handle them.
The Code Doesn’t Show a Discount
Sometimes you’ll enter a corporate code and see rates that match or exceed the standard member rate. This usually means the property doesn’t participate in that specific corporate program, or their negotiated rate isn’t better than current public rates.
Try a different code or just book the member rate. Not every property honors every corporate code, and that’s normal.
The Rate Disappeared Between Search and Booking
Corporate rate availability can be limited. If you search, compare options, and then return 20 minutes later to book, the corporate rate might have sold out in the meantime. This is more common during high-demand periods or at properties with limited room inventory allocated to corporate rates.
Book quickly once you’ve identified your best rate, especially if it’s significantly better than alternatives.
You’re Asked for Verification You Can’t Provide
If you’re asked to verify eligibility at check-in and you can’t provide appropriate documentation, the hotel will reprice your reservation. Be polite, acknowledge the situation, and ask what rate they’ll charge instead.
In my experience, front desk staff usually apply the best available rate at that moment rather than penalizing you with rack rate. That said, during high-demand periods, even the “best available” rate might be substantially higher than your corporate rate.
The Corporate Benefits Don’t Apply
Some corporate codes include additional perks like free breakfast or parking. If these benefits don’t appear on your reservation or at check-in, mention it to the front desk. Sometimes the benefits are in the system but weren’t automatically applied—the desk can usually fix this immediately.
If the hotel says those benefits aren’t part of the corporate agreement, there’s not much you can do. Rate terms vary by company and property, so not all corporate codes include extras beyond the discounted room rate.
You Need to Cancel Within the Window
Corporate rates typically allow free cancellation until noon on arrival day, which is more generous than the standard 24-hour policy. However, make sure you’re within the cancellation window before trying to cancel—policies vary by rate type.
I’ve successfully canceled corporate rate bookings the morning of arrival without penalty dozens of times. This flexibility is one of the main advantages of corporate rates over prepaid promotional rates.
Frequently Asked Questions
Each discount is negotiated separately, so it often has different inclusions. Some offer just the reduced rate, while others can include free WiFi, shuttle transportation to the office, and flexible cancellation policies. To find out what is included in your rate, click on “rate details,” and the specifics of your rate will be displayed.
Yes. These discounted rates are considered “qualified rates” and are eligible to earn base points and any bonus points associated with a Marriott Bonvoy promotion.
Yes. As stated in the question above, corporate discounts are considered “qualified rates” and are eligible to receive the benefits of your Marriott Bonvoy elite status.
The largest consulting companies, such as Deloitte, Accenture, E&Y, etc, will offer the best “Chain-wide” corporate discounts. However, you may find a better rate associated with a major corporation in the area. For example, Procter & Gamble will likely have the best rates in Cincinnati because it is their headquarters location. Still, Deloitte will have a better chain-wide corporate discount outside of that region.
What Other Hotel Chains Offer Corporate Codes?
Most major hotel companies offer negotiated corporate discount codes. Here are guides for other chains:
- Hilton Corporate Codes
- IHG Corporate Codes
- Hyatt Corporate Codes
- Omni Hotels Corporate Codes
- Wyndham Corporate Codes
- Choice Hotels Corporate Codes
- Best Western Corporate Codes
More Great Content for Marriott Bonvoy Fans
If you’re interested in maximizing your Marriott Bonvoy experience, check out these essential guides!
- Marriott Breakaway Rates for Corporate Leisure Travel
- The Latest Marriott Bonvoy Promotion
- Marriott Bonvoy Program: Comprehensive Review
- Guide to the Marriott Explore Rate
- How to Maximize Marriott Platinum Elite Benefits
Tim White is the founder of milepro.com, a luxury travel resource featured in CNBC, Travel & Leisure, and other major media outlets. With over 2 million miles flown and 30+ years of business travel experience, he holds Hyatt Globalist, Marriott Lifetime Titanium, and Hilton Diamond status — and has spent years decoding the world of luxury hotel programs, preferred partner benefits, and miles & points optimization so you don’t have to.

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What is the Marriott corporate code for Morgan Stanley? MOS is not valid. Thanks