American Express® Green Card vs Marriott Bonvoy® American Express®* Card: Which one is better?

American Express® Green Card
3.9

Marriott Bonvoy® American Express®* Card
4
Welcome Bonus*
Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.
Welcome Bonus*
Experience Amex’s best offer this year on the Marriott Bonvoy® Business American Express®* Card. New Marriott Bonvoy® American Express®* Cardmembers earn up to 110,000 Marriott Bonvoy® points. Earn 65,000 points after you spend $3,000 on your Card in your first 3 months of Cardmembership. Earn an additional 30,000 points after you spend a total of $20,000 on your card in your first 12 months of Cardmembership. Plus, earn 15,000 points when you make a purchase between 15 and 17 months of Cardmembership. Offer ends August 18, 2025.
Rewards Breakdown
Annual Rewards
$467.86
American Express Membership Rewards
First Year Bonus Value
+
$210
American Express Membership Rewards
Annual Fee
-
$0
First Year Value
$677.86
$467.86 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$385.37
Marriott Bonvoy
First Year Bonus Value
+
$817
Marriott Bonvoy
Annual Fee
-
$120
First Year Value
$1,082.37
$265.37 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards*
- 1x point per $1 spent on all purchases
How to Earn 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.)
Insurance Included*
Extended Warranty
Up to a yearPurchase Protection
90 days
Insurance Included*
Extended Warranty
1 yearPurchase Protection
90 daysLost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
yesTravel Accident
$500,000Hotel Burglary Insurance
$500Flight Delay
$500
Extra Benefits*
Extra points
2 points on Amex Travel Online purchasesAmex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
Extra Benefits*
American Express® Experiences
Status lift
Complimentary Marriott Bonvoy Silver Elite StatusStatus lift
Upgrade to Gold Elite status when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your cardFree Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each yearFree Extra Night at Hotels
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
Interest Rates*
Purchase:
21.99%1
Cash Advance:
21.99%1
Interest Rates*
Purchase:
21.99%2
Cash Advance:
21.99%2
Annual Fee*
$0
Annual Fee*
$120
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program*
Loyalty Program*
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
2.1¢ / pointTransfer to Hotel Partners
1.66¢ / pointFixed Point Travel Program
1.66¢ / pointStatement Credits (Cash)
1¢ / pointGift Cards
0.91¢ / pointAmazon.ca
0.7¢ / pointMerchandise
0.63¢ / point
Point Redemption Options*
Most Optimal
Transfer to Hotel Partners
0.86¢ / pointTransfer to Airline Partners
0.81¢ / pointTravel
0.44¢ / pointCharity
0.4¢ / point
Is this card worth it?
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Is this card worth it?
The Marriott Bonvoy American Express Card is a standout for frequent travelers who value luxury and flexibility in their rewards. With access to over 7,000 participating hotels, cardholders can earn generous points on both Marriott Bonvoy bookings and everyday purchases. The card's annual free night award and complimentary Silver Elite status make it even more appealing, offering service upgrades and extra points on eligible stays. For those who frequently stay at Marriott properties and want to maximize their travel perks, this card is a top choice.
Pros
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
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
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
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.


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