Marriott Bonvoy® American Express®* Card
Rewards Calculator Algorithm
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Total Spending
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$0
Card Details
Annual Rewards
$376.49
Marriott Bonvoy rewards
First Year Bonus
$430
Marriott Bonvoy rewards
Annual Fee
$120
First Year Value
$686.49
$256.49 in years after
Interest Rates
Cash Advance: 21.99%*
Purchase: 21.99%*
Annual Fee
$120
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
Earn 50,000 Marriott Bonvoy® points after you spend $1,500 on your Card within your first 3 months as a new Marriott Bonvoy® American Express® Cardmember. Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Card Type
Reward: Points
Loyalty Program: American Express Membership Rewards
Our Rating
4/5
Institution
American Express
Rewards†
- 5 points per $1 on eligible purchases at participating Marriott Bonvoy hotels
- 2 points per $1 on all other purchases (i.e. dining, groceries, online shopping, etc.)
American Express Marriott Bonvoy Card Points Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
hotels participating in Marriott Bonvoy program
420 points
All other purchases
43,358 points
Annual Fee
- $120
Net Annual Rewards
43,778 points
Valued at $256.49 (after fees)
Rewards Summary
Net Annual Rewards
43,778 points
Valued at $256.49 (after fees)
First Year Bonus
50,000 points
Valued at $430
First Year Value
93,778 points
Valued at $686.49
Point Redemptions
Redemptions Chart
Transfer to Hotel Partners
$686.49
Transfer to Airline Partners
$639.61
Gift Cards
$189.47
Merchandise
$180.09
Insurance & Benefits†
Insurance
Coverage
- • Receive one free night each year after your card anniversary at participating Marriott Bonvoy properties with a room redemption rate of up to 35,000 Points
- • Earn Points Twice When you use your Marriott Bonvoy® American Express®* Card at participating Marriott Bonvoy properties, you earn 5 points for every $1 spent, plus the points you already earn as a Marriott Bonvoy member
- • Enjoy complimentary Marriott Bonvoy Silver Elite status
- • Enjoy 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status with your Marriott Bonvoy® American Express®* Card
- • Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
- • Flight delay and Baggage delay insurance up to $500 combined
- • Hotel Burglary insurance up to $500
- • Travel accident Insurance up to $500K
- • Lost or stolen baggage insurance up to $500
- • Car Rental Theft and damage insurance up to $85000
- • Travel Emergency Assistance
- • Purchase Protection Insurance up to 90 days up to $1000 per occurrence
- • Extended Warranty Insurance up to a year
Pros & Cons
Pros
- Earns high rewards on Marriott Bonvoy hotel stays, with competitive points on other purchases.
- Includes an annual free night certificate, adding significant value to frequent travelers.
- Automatic Silver Elite status provides enhanced benefits during stays, like late checkout and additional points.
- Generous welcome bonus, offering a substantial boost to your rewards balance early on.
Cons
- As an American Express card, it may not be as widely accepted as other credit cards, limiting its usability in some locations.
- Travel insurance coverage is comprehensive but may not match the levels offered by other premium cards in the market.