Marriott Bonvoy American Express® Card Review
By: Heather Hanks Oct. 07, 2019
If saving money and earning points is your thing, then you’ll want to check out the Marriott Bonvoy Credit Card. It allows you to earn five points for every dollar you spend on eligible purchases. You’ll also get two points for every dollar spent everywhere else. That’s on top of the savings you’ll already receive as a Marriott Bonvoy member.
The Marriott Bonvoy Card offers an impressive welcome bonus of 50,000 points when you spend $1,500 within your first three months of membership. This is in addition to earning points while you spend. You can spend your 50,000 points on a free three night stay at a Category 2 hotel. For more information, check out our Marriott Bonvoy Credit Card Review below.
What is the Marriott Bonvoy™ American Express® Card?
The Bonvoy Marriott Credit Card allows you to earn points each time you use it. You’ll get five points for every dollar spent on eligible purchases. These include purchases made at participating Marriott Bonvoy properties. You’ll also get five points for every dollar spent at standalone Marriott Bonvoy retail properties and at Marriott online stores (including online Marriott Bonvoy gift cards). In other words, your purchases and items must be owned or managed by Marriott International, Inc. and its affiliates to qualify for the five points per dollar ratio. This offer does not include returns or exchanges.
You’ll get two points for every dollar spent everywhere else. This includes purchases you make when a merchant code is not in an eligible category. It also applies to payments made using a payment account or for the service of a third party. This offer also applies to purchases made with a card reader attached to a cell phone or at an online realtor that sells merchant goods that are not otherwise identified. Again, this does not apply to returns or store credit. It also does not apply to interest, funds advances, checks, annual fees, or other fees and foreign currencies. You’ll also automatically become enrolled as a Marriott Bonvoy member.
Benefits included with your Marriott Bonvoy membership include the following:
You’ll also get a welcome bonus offer of 50,000 points when you spend $1,500 within your first three months of membership with your Marriott Bonvoy Amex Credit Card. This is equivalent to a free three night stay at a category 2 hotel. The Marriott Bonvoy Credit Card Amex card has an annual fee of $120. There is no annual fee on additional cards. This means that you can hand out additional cards to adult children or employees and rack up the points. Expect to pay an annual interest rate of 19.99% on purchases and 22.99% on funds advances. We recommend that you have excellent credit to apply. Your rates and terms may depend on your credit score.
Marriott Bonvoy™ American Express® Credit Card Benefits?
The American Express Marriott Bonvoy Credit Card is a great choice for anyone who frequents Marriott establishments often. The majority of your points will come from purchases made at these locations. You don’t have to be a small business owner to benefit from this card. You’ll get rewarded for all purchases you make. However, your points will be more valuable if you use them at Marriott and affiliate locations. The card offers an extensive welcome offer of 50,000 bonus points, but you’ll have to spend $1,500 within the first three months to get it. Most people find that this isn’t hard to do, especially if you travel often.
Here are some other benefits you’ll get as a card holder:
Welcome bonus of 50,000 points when you spend $1,500 within three months of opening your account (this is good for a free three night stay at a category 2 hotel)
Transfer your points to frequent flyer programs with a wide variety of airlines to choose from
Get 15,000 in bonus points from the Marriott Bonvoy program when you transfer 60,000 points to a frequent flyer program
Earn five points for every dollar spent on eligible purchases
Earn two points for every dollar spent everywhere else
Redeem your points for free nights at over 7,000 hotels with no blackout dates
Become automatically enrolled in a free Marriott Bonvoy membership
Experience entertainment parks through Marriott Bonvoy Moments
Payment flexibility; you can pay your balances in full or over time
The American Express Marriott Bonvoy card is a smart choice if you travel often and want to be rewarded for it. You can also use it on everyday purchases, but your points won’t be as valuable. We like that American Express offers entertainment perks, shopping coverage and travel insurance. You’ll enjoy American Express Invites, which includes Front of the Line access to in-demand entertainment events, such as concerts, films, and games. You’ll get to choose from tickets before they go on sale to the general public. You’ll also get email updates to notify you of events when they come to your area.
American Express also offers travel insurance. You’ll be covered if your flight is delayed or if your rental car or hotel is broken into and burglarized. You can use your card to make purchases on necessary items if your baggage is delayed, including clothing and food. All of your shopping purchases are covered, too. American Express offers a Buyer’s Assurance Protection Plan that doubles your warranty for up to one additional year on items you buy with your card. You don’t even have to register your items to redeem this offer. Your items are also covered from theft or physical damage through the Purchase Protection Plan. No registration required.
Here is a list of places where you can use your American Express Marriott Bonvoy Card:
Luxury
Edition, The Ritz-Carlton, The Luxury Collection, St. Regis, W Hotels, JW Marriot
Premium
Marriot, Sheraton, Marriott Vacation Club, Delta Hotels, Westin, Le Meridien, Renaissance Hotels, Autograph Collection Hotels, Tribute Portfolio, Design Hotels, Gaylord Hotels
Select
Courtyard, Four Points, SpringHill Suites, FairField, Protea Hotels, AC Hotels, Aloft, Moxy
Longer stays
Residence Inn, Towneplace Suites, Marriott Courtyard Element
As you can see, there are plenty of opportunities to use your Marriott Bonvoy American Express card. You can still use your card at places that are not sponsored by Marriot. You just won’t earn as many points back. You can redeem your points by visiting the Marriott Bonvoy website. Remember that you’ll also get automatic upgrades within your Marriot Bonvoy Elite status. You’ll enjoy more benefits each time you move to a higher tier within your membership.
American Express Marriott Bonvoy Card: Pros and Cons
We like the idea of using one card for several purposes. It clears up room in your wallet and looks better on your credit report if you don’t have to remember to make numerous payments each month. You can use the American Express Marriott Bonvoy Card no matter what your business is. It also makes a great card to use on personal expenses, too. You can hand out additional cards to employees or family members to help you rack up the points. These cards come without an annual fee.
Marriott Bonvoy Card PROS
Marriott Bonvoy Card CONS
How To Apply American Express Marriott Bonvoy Card
The application process is simple. You can visit the American Express website and fill out your application online. You’ll need to have excellent credit to qualify. Remember that American Express will do a hard pull on your credit to determine your creditworthiness. Your credit score and credit history will likely dictate your terms and conditions.
Before you apply, American Express wants to make sure you agree to the following terms and conditions:
To apply, you’ll need to provide your personal and financial information. This includes your name, address, social security number, and banking numbers. It helps to have all of this information handy while you apply to move along the process. You can expect excellent customer service and insurance policies with any American Express card. Contact their help center if you have any questions.
The above review on the Marriott Bonvoy American Express card is based solely on the opinion of Creditnervana. We feel that the Marriott Bonvoy Americen Express card is ideal to use for the frequent traveler. If you like being rewarded by free hotel stays, then this is the card for you. It has an annual fee of $120, but additional cards have no annual fee.
You’ll get five points per dollar spent on eligible purchases and two points for every dollar spent everywhere else. You’ll also get 50,000 points just for signing up if you spend $1,500 within the first three months of membership. This is the equivalent of a free three-night stay at a category 3 hotel. You’ll also enjoy free room upgrades, late check-out, travel insurance and shopping coverage as a member.
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Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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