Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
Marriott Bonvoy American Express Card
Our take: strongest for travel — about 4.5% back in value (est.) for $120 a year, plus a welcome bonus we value at roughly $630.
- Goes straight to American Express
- No cost to you
- Our review
The Marriott Bonvoy American Express Card is a hotel-loyalty travel card: 5 points per dollar at Marriott properties, an annual free night award, and automatic Silver Elite status, for a $120 annual fee. It’s built for travelers loyal to Marriott’s hotel portfolio rather than general travel spend.
MoneyMint rating
#14 of 30 travel rewards cards · How we rate
≈ $1,162
estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →
Not Sure? Three Cards People Compare It With
BMO VIPorter World Elite Mastercard
Pick this instead if travel insurance matters more to you.
Fee $199Rating 4.2 ★Bonus $1,050
American Express Aeroplan Card
Pick this instead if most of your spending is dining (~3% est.).
Fee $120Rating 3.8 ★Bonus $900
Marriott Bonvoy Business American Express Card
Pick this instead if most of your spending is travel (~4.5% est.).
Fee $150Rating 4.2 ★Bonus $720
Marriott Bonvoy American Express Card
Best for travel · $120/year · ~$630 welcome bonus (est.)
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by American Express and can change without notice; always confirm current terms on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the Marriott Bonvoy American Express Card?
The Marriott Bonvoy American Express Card has an annual fee of $120/year; no fee for supplementary cards.
What is the rewards rate on the Marriott Bonvoy American Express Card?
The Marriott Bonvoy American Express Card offers: 5 points/$1 at participating Marriott Bonvoy hotels; 2 points/$1 on everything else, uncapped
Does the Marriott Bonvoy American Express Card have a welcome bonus?
Up to 70,000 Marriott Bonvoy points: 60,000 points after $3,000 in spend in the first 3 months, plus 10,000 points after $500 in spend in month 13. Current or former cardmembers with this card aren’t eligible. The limited-time 110,000-point offer ended September 22, 2026.
What credit score do I need to qualify for the Marriott Bonvoy American Express Card?
Generally, you’ll want a good credit score to be considered for the Marriott Bonvoy American Express Card. Approval also depends on income and overall credit history, not credit score alone.
Does the Marriott Bonvoy American Express Card charge foreign transaction fees?
American Express discloses the foreign currency conversion commission only in the disclosure statement issued after approval, not on its public pages