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Card Details
Interest Rates
Purchase: 21.99%*
Cash Advance: 21.99%*
* If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
Annual Fees
Main Card: $120
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time to your Card in your first three months of Cardmembership. Subject to change at any time.
Our Rating
4/5
Institution
American Express
How You 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.)
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000
Lost or Stolen Baggage
$500
Baggage Delay
$500Flight Delay
$500
Hotel Burglary Insurance
$500
Purchase Protection
90 days
Extended Warranty
1 year.svg)
Car Rental Damage & Theft
yes
Benefits
Details
Free 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.svg)
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 card
American Express® Experiences
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.
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.