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  3. Marriott Bonvoy American Express Card Review 2024: Is It Worth It?
Published June 25, 2024
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Marriott Bonvoy American Express Card Review 2024: Is It Worth It?

The Marriott Bonvoy American Express Card is best for frequent travellers who covet free stays and service upgrades at some of the world’s most luxurious hotels.

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4.5

NerdWallet Rating

Best for frequent travellers who covet hotel perks

If you’re a Marriott Bonvoy member who travels frequently and typically uses a card to pay for that travel, the Marriott Bonvoy American Express Card could be a good fit.

Learn more about how we evaluate cards.

    Cardmembers earn elevated rewards rates on both eligible bookings and everyday purchases, and there are ample opportunities to earn rewards at more than 7,000 participating hotels.

    Marriott Bonvoy® American Express®* Card

    Marriott Bonvoy® American Express®* Card
    • Annual Fee
      $120
    • Interest Rates
      21.99% / 21.99%
    • Rewards Rate
      2x-5x Points
    • Intro Offer
      Up to 50,000 Points
    Card details
    • 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
    • Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
    • Earn 2 points for every $1 in all other Card purchases.
    • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
    • No annual fee on Additional Cards.
    • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
    • Automatic Marriott Bonvoy Silver Elite status membership.
    • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
    • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions Apply. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

    Marriott Bonvoy American Express Card full review

    The Marriott Bonvoy American Express Card is a rewards credit card that allows cardholders to earn Marriott Bonvoy points on all purchases. Those points can be redeemed for free stays at more than 7,000 participating hotels and used to improve a cardholder’s Marriott Bonvoy status, which can unlock even more benefits.

    Benefits of the Marriott Bonvoy American Express Card

    If you carry the Marriott Bonvoy Amex, you: 

    Drawbacks of the Marriott Bonvoy American Express Card

    Some things to keep in mind about the Marriott Bonvoy American Express are:

    Who should get the Marriott Bonvoy American Express Card?

    The Marriott Bonvoy American Express Card will be most beneficial for existing members of the Marriott Bonvoy program, or those who are willing to become members. Non-members can still redeem their points for non-hotel related rewards, like merchandise and travel, but the real earning potential will come from maximizing your 5x earn rate on Marriott Bonvoy bookings.

    Is the Marriott Bonvoy American Express Card worth it?

    If you’re a Marriott Bonvoy member who travels frequently and isn’t intimidated by the idea of transferring reward points between partners, the Marriott Bonvoy American Express Card can provide you an opportunity to earn some fairly sweet hotel rewards for a reasonable annual fee of $120.

    American Express customer ratings

    Amex Gold Rewards Card eligibility

    Who qualifies for the Marriott Bonvoy Amex Card?

    To apply for the Marriott Bonvoy American Express Card, you must:

    Approximate credit score needed for approval

    Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. What we do know is that higher scores have better chances of approval — that’s true no matter what type of credit you’re applying for.

    Want to learn more? Our guide can help you figure out what credit score is typically needed for a credit card.

    Marriott Bonvoy American Express Card rewards

    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.

    How to earn ongoing rewards: Earn 5 points for every $1 spent in eligible card purchases at hotels participating in Marriott Bonvoy; earn 2 points for every $1 spent in all other card purchases.

    If you charge $1,500 in net purchases to your Marriott Bonvoy American Express Card in the first three months of card membership, you’ll earn a welcome bonus of 50,000 Marriott Bonvoy points. This offer is subject to change at any time.

    Based on NerdWallet’s analysis, each Marriott Bonvoy point is worth about 0.8 cents when redeemed for Marriott Bonvoy hotel stays. That means the full 50,000-point welcome offer would be worth approximately $400 using this redemption method. Other redemption methods may result in different point values.

    Annual value

    The annual, ongoing value of your Marriott Bonvoy American Express card depends on how often you use it and the types of purchases you make.

    Let’s say you typically spend $5,000 at Marriott Bonvoy properties and charge another $20,000 to your Marriott Bonvoy Amex every year. Your hotel purchases would result in 25,000 points and your other purchases would earn you 40,000 points. That’s 65,000 points in a year, which would be worth about $520, if redeemed for Marriott Bonvoy hotel stays. 

    But you also receive a free night each year worth up to 35,000 points. That stay would be worth approximately $280 using our valuation.

    Add those values together, subtract the card’s annual fee of $120, and the total value for this particular — and purely hypothetical — year would be $680. That’s not bad, but it will require a bit of spending on your part.

    Points value breakdown

    NerdWallet searched more than 60 data points analyzing the cost of Marriott Bonvoy hotel stays in 2022. Based on our analysis, the average value of 1 Marriott Bonvoy point is worth 0.82 cents.

    More specifically, you can expect to get around:

    However, the value of Marriott Bonvoy points increases significantly when transferred to partners. For example, you can expect a value around:

    Because of the value that comes from these transfer options, we give Marriott Bonvoy points an adjusted weighted average value of 1.82 cents per point.

    How to apply for the Marriott Bonvoy American Express Card

    You can complete the application for the Marriott Bonvoy American Express Card from the American Express website:

    1.  Select the Apply Now button from the Marriott  Bonvoy American Express Card page.
    2.  Review the card’s terms and conditions and select Agree and Begin to continue.
    3.  Enter your personal details, including your full name, date of birth, phone number, email address and residential address.
    4. Input your financial information, including your annual personal income, household income and employment details.
    5. Choose a four-digit PIN.
    6.  Review the information you’ve supplied and submit your application.

    Marriott Bonvoy American Express Card vs American Express Cobalt Card

    Marriott Bonvoy American ExpressAmerican Express Cobalt Card
    Annual fee$120.

    $155.88 ($12.99 per month).
    Rewards earn rates
    • 5x points every $1 in eligible card purchases at hotels participating in Marriott Bonvoy.

    • 2x points for every $1 in all other Card purchases.
    • 5x on eats and drinks.

    • 3x on streaming subscriptions.

    • 2x on travel and transit.

    • 1x on everything else.

    Welcome offerUp to 50,000 PointsUp to 15,000 Points
    Transfer points frequent flyer and other loyalty programs?
    Yes.Yes.

    Reasons you might want a different card

    The Marriott Bonvoy American Express Card offers solid earn rates on eligible hotel bookings and everyday purchases, but it won’t be a fit if:

    If you’re looking for a wider range of rewards that apply to flights or airport experiences, you may want to consider some of Canada’s best travel credit cards. And if you’re not interested in becoming a Marriott Bonvoy member, there are plenty of other credit card reward programs worth investigating.

    Marriott Bonvoy American Express Card facts

    Marriott Bonvoy American Express Card
    Card typeRewards credit card.
    Interest rates
    Regular/purchase APR21.99%.
    Cash advance APR21.99%.
    Penalty APR25.99% if you miss two separate payments in any 12 month period; 28.99% if you miss three or more separate payments in any 12 month period.
    Fees
    Annual fee$120.
    Balance transferUp to 3% of the amount of each balance transfer.
    Cash advance$2.75 per transaction. Also, a 21.99% interest rate is charged on cash advances.
    Foreign transaction2.5% of the transaction amount.
    Reward earn rates
    Signup bonus or welcome offerNew 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.
    Rewards and benefitsPoints can be redeemed for free stays at participating Marriott Bonvoy hotels, merchandise and other experiences. They can also be transferred to other loyalty programs, including Aeroplan.
    Other perks
    • One free stay every year: Enjoy an Annual Free Night Award after your card anniversary each year.

    • Earn points twice: Earn 5 points for every dollar spent at participating Marriott Bonvoy properties, as well as the points you already earn as a Marriott Bonvoy member.

    • Complimentary Silver Elite Status with Marriott Bonvoy: Enjoy service upgrades, earn more points and get one step closer to Gold Elite Status.

    • Complimentary Elite Night Credits: Receive 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status.

    • Transfer and earn: Receive 15,000 bonus points from Marriott Bonvoy when you transfer 60,000 points to a frequent flyer program.

    • Front of the Line perks: Access exclusive ticketing presales for concerts, shows, restaurants and special events.

    • American Express Experiences: Gain access to advanced film screenings, food festivals, private shopping experiences, and curated cardholder offers through the American Express Experiences program.

    • Amex Priority Lines: Skip the lineups at popular Toronto event venues like the Budweiser Stage and the Royal Alexandra Theatre.

    • Exclusive lounges and bars: Relax in exclusive American Express lounges when you take in a Toronto show at the Princess of Wales and Ed Mirvish Theatres.
    Insurance coverage
    Extended warrantyUp to one additional year.
    Purchase protection90 days.
    Travel accidentUp to $500,000.
    Flight delayUp to $500 for necessary accommodations, restaurant expenses and sundries.
    Baggage delayUp to $500 for essential clothing and sundry items.
    Lost or stolen baggageUp to $500 of coverage per trip for all insured persons.
    Hotel burglaryUp to $500 of coverage for personal items (excluding cash).
    Rental car theft/damageFor up to 45 days.

    Rating Methodology

    NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

      Frequently asked questions about the Marriott Bonvoy American Express Card

      How do I earn Marriott Bonvoy points in Canada?

      If you are a Marriott Bonvoy American Express cardmember, you earn 5 Marriott Bonvoy points for every dollar spent at participating Marriott Bonvoy hotels and 2 points for every dollar spent on everything else.

      Is Marriott Bonvoy in Canada?

      Yes. More than 200 hotels in Canada participate in the Marriott Bonvoy program.

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