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American Express® Marriott® Bonvoy® Card review

Name: American Express Marriott Bonvoy Card
Brand: American Express

4.2Rated by the CreditCardGuru Editorial Team

If you stay with Marriott even once a year, the annual Free Night Award alone can cover the $120 fee, plus you get automatic Silver status.

At a glance

Annual fee: $120
Welcome bonus: ~$800
Foreign tx fee: 2.5%
Network: AMEX
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

Marriott Bonvoy stays	5x
Everything else	2x

Welcome offer: Up to 75,000 Marriott Bonvoy points.

Pros & cons

Pros

Annual free night can exceed the fee
Automatic hotel elite status
Low fee for a premium hotel card

Cons

Points locked to Marriott
2.5% foreign transaction fee

Perks & insurance

Key perks

Annual Free Night Award
Automatic Marriott Bonvoy Silver Elite status
15 Elite Night Credits each year

Insurance

Travel emergency medical
Car rental theft & damage
Flight & baggage delay

Rates & fees

Annual fee: $120
Purchase interest: 21.99%
Cash advance: 21.99%
Foreign transactions: 2.5%

Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

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Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

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Cite this page

“American Express® Marriott® Bonvoy® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/amex-marriott-bonvoy, updated June 1, 2026.