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The Marriott Bonvoy™ American Express® Card Review

    Frequent travellers who enjoy staying at Marriott hotels may want to take a closer look at The Marriott Bonvoy™ American Express® Card. Customers can earn rewards to redeem for free accommodations or  travel, and extra perks and benefits attached to this credit card. Whether you need an American Express for business or personal use, being an Amex cardmember certainly has its privileges.

    The Marriott Bonvoy™ American Express® Card

    A credit card geared for personal use, the The Marriott Bonvoy™ American Express® Card offers clients a welcome bonus of 50,000 points after $1,500 is spent within the first 90 days of opening the account. That is a value of three free nights at some Marriott hotels.

    After that, cardmembers earn 5 Marriott Bonvoy Points for every dollar spent at any participating Marriott properties. Two points are collected on all other card spending. Cardholders can also earn added Bonvoy Points when they refer friends to the credit card—a bonus of 10,000 points per approval. These points can be redeemed at any time and do not expire as long as the American Express Card is active and the account is in good standing.

    Points can be redeemed for free nights at the Marriott, with no blackout dates. Points can also be transferred to frequent flyer miles with a variety of airlines.

    Added benefits with the Marriott Bonvoy Amex include one free night annually that can be redeemed after a client celebrates his card anniversary. Approval for this American Express Card automatically upgrades clients to the Marriott Bonvoy Silver Elite status within the brand’s customer loyalty program. This “status” allows customers to earn 10% more on bonus points when staying at a hotel, as well as purchases made on dining and spa treatments. It also unleashes other perks like priority late checkout, free Wi-Fi, and exclusive rate offers for Marriott Bonvoy members.

    Clients are automatically upgraded on an annual basis to Gold Elite status if $30,000 is charged on their Amex over the year. Perks of being a Gold Elite member include all of the above, plus a room upgrade upon check-in, and a Gold Welcome Gift when customers arrive at their room.

    There are also perks for being an American Express cardholder. The “Front of the Line” program offers exclusive access to concert and theatre tickets, as well as dining, shopping, and fashion experiences. The credit card provides travel insurances like Flight Delay, Car Rental Theft and Damage, plus more. Lastly, Marriott Bonvoy American Express card members can relax when using this credit product, knowing they have access to both Purchase Protection and Buyer’s Assurance coverage.

    The The Marriott Bonvoy™ American Express® Card has an annual fee of $120, with no added charges for additional cardholders. The annual interest rates are standard, with 21.99% for fund advances and 19.99% for purchases.

    Marriott Bonvoy™ Business American Express® Card

    For business clients looking to increase the cash flow within their company and earn rewards along the way, there’s the Marriott Bonvoy™ Business American Express® Card.

    As with the personal credit card option above, business clients earn 50,000 “welcome points” after $1,500 is charged within the first 90 days of opening the account. Clients can also collect 5 Marriott Bonvoy Points for every dollar spent at any participating Marriott properties, 3 points for every dollar spent on eligible dining, gas, and other travel spending, as well as 2 points on all other charges.

    Marriott Bonvoy Business American Express clients are also given a free night annually that may be  redeemed after a client’s card anniversary. Much like the personal Amex option above, clients are automatically placed in the Silver Elite status within the Bonvoy customer loyalty program and are upgraded on an annual basis to Gold Elite if $30,000 or more is charged to the credit card.

    In addition to the travel insurance, purchase protection coverage, and added perks that come with having an Amex, this credit card has a focus on business support. American Express offers its clients expense and business management resources and tools, as well as flexible payment options on balances. The annual fee is $150; supplementary cards cost $50 per person, per year. These fees may be tax-deductible.

    American Express also provides business clients with “Employee Card Misuse” protection. If unauthorized charges are made by a terminated supplementary cardholder after his Amex card is canceled (which can take up to two business days), owners are not held responsible.

    The interest rates on this card are set at 19.99% for purchases and 21.99% for cash advances.

    Both credit cards have online applications set up for quick and easy approval. Visit for more information on The Marriott Bonvoy™ American Express® Card and the Marriott Bonvoy™ Business American Express® Card.

    Christopher - BSc, MBA

    With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.

    Christopher - BSc, MBA

    Christopher - BSc, MBA

    With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.