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American Express Marriott Bonvoy Card review

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 stays5x
Everything else2x

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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