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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
Welcome Bonus
- Earn up to 110,000 bonus Marriott Bonvoy® points
- New Marriott Bonvoy® American Express®* Cardmembers can earn up to 110,000 bonus Marriott Bonvoy® Points
- Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
- Plus, earn 30,000 points when you make a purchase in your 15th month of Cardmembership.
- Offer ends April 7, 2026.
- Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
Card Type
Credit
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.)
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Common Carrier Travel Accident Insurance
$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
- High hotel optimization
- Annual free night certificate
- Automatic Silver Elite status
- Generous welcome bonus
Cons
- Low acceptance
- Relatively weaker insurance
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.