Benefits of Marriott Bonvoy Credit Cards

Perks differ depending on the annual fee, but all three consumer cards give you points toward stays, plus elite status.
Gregory KarpAug 23, 2021

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Marriott Bonvoy co-branded credit cards for consumers come with benefits worth considering if you’re a frequent — or even infrequent — guest at hotels owned by Marriott.

Benefits range from core perks and rewards you expect from any to features and protections that are simply nice to have. As you would expect, a higher annual fee gets you more benefits and rewards.


Credit card spending rewards are earned in Marriott Bonvoy points, where Bonvoy is the name of the loyalty program. The goal is to accumulate enough points to stay one night or more at a Marriott property for free. Two cards are issued by Chase; one by American Express.


Higher-tier cards earn better welcome offers for new cardholders.

Annual fee:

Annual fee:

Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first 3 months. Terms apply. (as of Aug. 14, 2019)

Annual fee: $450



This is in addition to the points you earn from being a Bonvoy program member. Terms apply.

Bonvoy points are worth 0.8 cents each domestically, according to .

» MORE: 


Cashing in these complimentary nights is a valuable benefit, potentially worth hundreds of dollars. However, the lowest-tier card, the , doesn’t offer this perk. The comes with a complimentary anniversary night, valued up to 35,000 points. The complimentary night with the Marriott Bonvoy Brilliant™ American Express® Card can be worth up to 50,000 points. Terms apply.

These are only for the Marriott Bonvoy Brilliant™ American Express® Card:


These are limited to the luxury card, the Marriott Bonvoy Brilliant™ American Express® Card.

Receive a statement credit reimbursing you for the application fee when applying for either . For Global Entry, you get the perk every four years. For TSA Precheck, it's every 4.5 years. Terms apply.

This membership gives you access to more than 1,200 airport lounges worldwide when you enroll. In lounges that allow guests, you can bring up to two for no additional charge. Terms apply.


All three cards give you an elite status, which come with a .

Silver Elite. Typically for loyalty customers who stay at least 10 nights per year, you automatically get this status level with both the and the . Status includes a 10% point bonus for bookings, plus late checkout and other perks.

Gold Elite. The Marriott Bonvoy Brilliant™ American Express® Card gives you this level, equal to loyalty members who stay 25 nights per year. It gives you a 25% point bonus for bookings, as well as room upgrades and even later checkout when these are available. The also gives you Gold Elite status when you spend $35,000 on purchases with the card each account year.

With the Marriott Bonvoy Brilliant™ American Express® Card, if you make $75,000 in eligible purchases on your card in a calendar year, you get even more bonus points and perks with Platinum Elite status.

Travel protections are more typically offered by the issuer or card network than by the hotel company, but they are relevant for those considering a travel credit card, like these Marriott hotel cards.

None of these cards charges foreign transaction fees, making them good choices to use abroad — although the American Express card isn’t as widely accepted overseas.

Protections offered by the Chase cards include:

The American Express card offers:

Information related to the Marriott Bonvoy Brilliant™ American Express® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

On a similar note...
Dive even deeper in Credit Cards