Marriott Bonvoy® American Express®* Card
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Pros & Cons
Pros
- Welcome Bonus: Up to 70,000 points
- Up to 5x at Marriott Bonvoy hotels
- Purchase protection included
Cons
- Annual fee ($120/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The Marriott Bonvoy® American Express®* Card stands out for a benefit that returns every year: an Annual Free Night Award after your Cardmembership anniversary, valid for a night costing up to 35,000 points at participating properties. For travellers who stay with Marriott, it gives the Card value beyond the welcome offer.
You also receive 15 Elite Night Credits per calendar year toward your next status level and complimentary Marriott Bonvoy Silver Elite status.
The welcome offer lets you earn up to 70,000 Marriott Bonvoy points:
- 60,000 points after $3,000 in purchases in the first 3 months;
- 10,000 additional points after $500 in purchases in month 13.
To help fund future stays, earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy properties and 2 points per dollar on other purchases. You can use your points for hotel nights.
The annual fee is $120, and Supplementary Cards have no annual fee. The Card also includes travel insurance, purchase protection, and an extended warranty, subject to applicable terms.
Rewards
All Spending
2x
Marriott Bonvoy pts per dollar
Marriott Bonvoy hotels
5x
Marriott Bonvoy pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
60,000
Marriott Bonvoy/yr
Estimated Value
$600
After Fees
+$480
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$1,080
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Marriott Bonvoy — Spend $500 in month 13 (year 2)
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
Perks & Benefits
Renewal bonus
Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
Travel Insurance
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Hotel Burglary
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental (primary)
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$120
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Cash advance rate21.99%
Terms & Conditions
Card Features
Earn up to 70,000 bonus Marriott Bonvoy® points
- New Marriott Bonvoy® American Express®* Cardmembers can earn up to 60,000 bonus Marriott Bonvoy® Points after you spend $3,000 on your Card in your first 3 months of Cardmembership
- Plus, earn 10,000 points after you spend $500 on your Card in your 13th month of Cardmembership
Card features
- Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
- Earn 2 points for every $1 in all other Card purchases
- Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
- No annual fee on Additional Cards.
- Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
- Automatic Marriott Bonvoy Silver Elite status membership.
- Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
- Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
- When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
- Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
- A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
- Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Travelling Salzmans may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.
