The Best Marriott Bonvoy Credit Cards: Comparing Benefits and Perks [2025]

Nothing beats a hotel-branded credit card for earning rewards, free hotel nights, travel benefits, and perks that make your hotel stay more comfortable.

And if you’re a fan of Marriott’s Bonvoy program, you’ll be glad to know you have several cards to choose from, all of which deliver generous levels of Marriott-centric benefits. Both Chase and American Express issue Marriott Bonvoy-branded credit cards, and there are several consistent earning and benefit offerings.

All Marriott Bonvoy-branded credit cards that charge an annual fee offer accelerated earnings at Marriott properties, complimentary elite status, annual free hotel night certificates, and plenty of flexible redemption options for your points.

There are 6 Marriott Bonvoy-branded cards. Each offers unique earning rates, redemption options, and stay benefits — but one of the Marriott Bonvoy-branded cards may better match your situation than the others.

Let’s compare earning power, benefits, and overall value to see what each card offers.

Best Marriott-Branded Cards — Overview

Both American Express and Chase issue Marriott-branded cards. Each card provides a unique offering of benefits for Marriott loyalists.

Here’s an overview of the best Marriott cards for travelers who choose the Marriott brand.

Now let’s look closer at each card and how each one provides value for a Marriott loyalist.

Marriott Bonvoy Brilliant^® American Express^® Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant^® American Express^® Card

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Welcome Offer

Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

185,000 points

UP's Offer Valuation*:

Up to $1,295

Annual Fee

$650

APR

20.24%-29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Marriott Bonvoy Brilliant^® American Express^® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 2x points per $1 on all other purchases

Cons

• Steep annual fee of $650 (rates & fees)
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy^® American Express^® Card

Read Full Review

Card Highlights

• Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
• With Marriott Bonvoy^® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. Earn 3X Marriott Bonvoy^® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy^® points on all other eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy^® points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy^® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

If you’re looking for a premium Marriott Bonvoy-branded card with equally premium benefits, the Marriott Bonvoy Brilliant card checks those boxes. The card comes with statement credits for Marriott purchases, worldwide airport lounge access, a valuable Free Night Award, Marriott Bonvoy elite status, and more.

Let’s look at what you can expect from this card designed specifically for frequent Marriott travelers.

Why We Like This Card for Marriott Loyalists

• 6 points per $1 spent at participating Marriott Bonvoy hotels
• Annual Free Night Award up to 85,000 points
• Automatic Marriott Bonvoy^® Platinum Elite status
• 25 Elite Night Credits each year toward Marriott Bonvoy elite status
• $100 property credit at Marriott, Ritz-Carlton, or St. Regis properties
• up to $25 monthly dining credit (enrollment required)
• Free premium Wi-Fi

Additional Card Benefits

• 3x points at restaurants worldwide, takeout or delivery in the U.S., and on flights purchased directly with the airline
• 2x points on all other purchases
• Priority Pass™ Select lounge membership upon enrollment
• Global Entry or TSA PreCheck application or renewal fee statement credit
• No foreign transaction fees (rates & fees)

Marriott Bonvoy Bevy^® American Express^® Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Bevy^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Bevy^® American Express^® Card

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Welcome Offer

Earn 155,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

155,000 points

UP's Offer Valuation*:

Up to $1,085

Annual Fee

$250

APR

20.24%-29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Marriott Bonvoy Bevy^® American Express^® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy
• 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2x points)
• 2x points per $1 on all other purchases

Cons

• $250 annual fee (rates & fees)
• Free Night Award certificate is not an automatic benefit

Read Full Review

Card Highlights

• Earn 155,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®.
• Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
• Earn 2X points on all other eligible purchases.
• Marriott Bonvoy^® 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy^® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy^®.
• With complimentary Marriott Bonvoy^® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
• Marriott Bonvoy Bevy^® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy^® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a hotel participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy^® American Express^® Card you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy^® member account. Benefit is not exclusive to Cards offered by American Express.
• Plan It^® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
• $250 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable
• Foreign Transaction Fees: None

The American Express-issued Marriott Bonvoy Bevy card is a nice, midtier alternative to the more expensive Marriott Bonvoy Brilliant card. It provides an easy way to get elite status in the Marriott Bonvoy program, given that cardholders receive complimentary Gold Elite status as a perk of the card.

Finding a balance between earnings that match your spending profile and paying an annual fee with which you’re comfortable could be a primary decision when selecting this Marriott Bonvoy-branded personal card.

Why We Like This Card for Marriott Loyalists

• 6 points per $1 spent at participating Marriott Bonvoy hotels
• Automatic Gold Elite status
• 15 Elite Night Credits each year
• 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year

Additional Card Benefits

• 4x points on dining and at U.S. supermarkets (up to $15,000 in combined purchases, then 2x)
• 2x points on all other purchases
• 1,000 bonus points per paid stay
• No foreign transaction fees (rates & fees)

Marriott Bonvoy Bountiful™ Credit Card

Marriott Bonvoy Bountiful™ Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.

Apply Now(at Chase's secure site)

Marriott Bonvoy Bountiful™ Credit Card

The Marriott Bountiful card offers automatic elite status and helps you earn more points on every purchase.

Welcome Offer

Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.

85,000 bonus points

UP's Offer Valuation*:

$595

Annual Fee

$250

APR

21.49%–28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Marriott Bonvoy Bountiful™ Credit Card can help enhance your Marriott stays by offering automatic elite status, bonus points on paid stays, and Elite Night Credits, and it helps you earn more Marriott Bonvoy points on your day-to-day purchases.

Pros & Cons

Pros

• Up to 18.5x points per $1 at hotels participating in Marriott Bonvoy
• 4x points per $1 on dining and at U.S. supermarkets (on up to a combined $15,000 in purchases)
• 2x points per $1 on all other purchases
• Automatic Marriott Bonvoy Gold Elite status
• 15 Elite Night Credits
• 1,000 bonus points per paid Marriott stay
• 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
• No foreign transaction fees

Cons

• $250 annual fee
• Free Night Award certificate is not an automatic benefit

Read Full Review

Card Highlights

• Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
• Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy^®
• 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy^®
• Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
• Earn 2X points per $1 spent on other travel purchases
• Earn 2X points per $1 spent on all
  other purchases
• Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
• Enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one-night hotel stay at a property with a redemption level up to 50,000 points. Certain hotels have resort fees.
• No Foreign Transaction Fees

Financial Snapshot

• APR: 21.49%–28.49% Variable
• Foreign Transaction Fees: None

The Marriott Bountiful card offers many of the same perks as the Marriott Bonvoy Bevy card, but Chase is the card issuer. Like its Amex-issued counterpart, it also provides cardholders complimentary Gold Elite status in the Marriott Bonvoy program.

Why We Like This Card for Marriott Loyalists

• 6 points per $1 spent at participating Marriott Bonvoy hotels
• Automatic Gold Elite status
• 15 Elite Night Credits each year
• 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year

Additional Card Benefits

• 4x points on dining and at U.S. supermarkets (on up to a combined $15,000 in purchases)
• 2x points on all other purchases
• 1,000 bonus points per paid Marriott stay
• No foreign transaction fees

Hot Tip: If you hold both a Marriott-branded personal card and a Marriott-branded business card, you receive 30 Elite Night Credits that count toward elite status. This benefit translates into only needing 20 additional nights stayed at Marriott properties in a calendar year to achieve Platinum Elite status. The Marriott Bonvoy Brilliant card provides 25 Elite Night Credits each year. Combined with a Marriott-branded business card, that’s 40 Elite Night Credits each year.

Marriott Bonvoy Boundless^® Credit Card

Marriott Bonvoy Boundless^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Apply Now(at Chase's secure site)

Marriott Bonvoy Boundless^® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Welcome Offer

Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless^® Credit Card. Certain hotels have resort fees.

3 Free Night Awards

UP's Offer Valuation*:

Up to $1,050

Annual Fee

$95

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless^® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons

Pros

• Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
• Earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status

Cons

• $95 annual fee
• Marriott Silver Elite Status is the lowest status tier

Read Full Review

Card Highlights

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

With complimentary Marriott Bonvoy Silver Elite status, accelerated earnings, and an annual Free Night Award, the Marriott Boundless card can be a staple for the Marriott Bonvoy traveler.

The card has a lower annual fee and offers good value, even if you stay at a Marriott just a few times yearly.

Why We Like This Card for Marriott Loyalists

• 6 points per $1 spent at participating Marriott Bonvoy hotels
• Annual 35,000-point Free Night Award
• Automatic Marriott Bonvoy Silver Elite status
• Gold Elite status with $35,000 spent on the card in a calendar year
• 15 Elite Night Credits toward elite status each year, plus 1 Elite Night Credit toward Elite Status for every $5,000 spent on the card

Additional Card Benefits

• 3x points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining
• 2x points for all other purchases
• No foreign transaction fees

Marriott Bonvoy Bold^® Credit Card

Marriott Bonvoy Bold^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Apply Now(at Chase's secure site)

Marriott Bonvoy Bold^® Credit Card

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Welcome Offer

Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold^® Credit Card!

30,000 points

UP's Offer Valuation*:

Up to $210

Annual Fee

$0

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold^® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros & Cons

Pros

• Up to 14x points per $1 on Marriott purchases
• 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
• 5 Elite Night Credits each year

Cons

• Lower point earn rate than other Marriott Bonvoy cards
• Marriott Bonvoy Silver Elite status is the lowest status tier

Read Full Review

Card Highlights

• Earn 30,000 Bonus Points after qualifying purchases.
• Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
• Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
• 1X point for every $1 spent on all other purchases.
• Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
• Pay Yourself Back^® - Redeem Marriott Bonvoy^® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

If you’re looking for a Marriott Bonvoy-branded card that offers elevated earnings at Marriott properties and prefer not to pay an annual fee, the Marriott Bold card could be a match.

Why We Like This Card for Marriott Loyalists

• Up to 14 points per $1 spent at hotels participating in Marriott Bonvoy
• Automatic Silver Elite Status
• 5 Elite Night credits every year toward the next level of elite status

Additional Card Benefits

• $0 annual fee
• 2x points at:
  • Grocery stores
  • Ride-sharing and select food delivery
  • Select streaming, and internet, cable, and phone service purchases
• 1x points on all other purchases
• No foreign transaction fees

Hot Tip: You can triple-dip on earning Marriott Bonvoy points using your Marriott-branded card to pay for your stay. Earn up to 6 points for each $1 spent on your card, 10 points per $1 spent on the property during your Marriott stay, plus up to 75% bonus points for having Marriott Bonvoy elite status. 

Marriott Bonvoy Business^® American Express^® Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Business^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Apply Now(at Amex's secure site)

Marriott Bonvoy Business^® American Express^® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Welcome Offer

Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.

125,000 Marriott Bonvoy points

UP's Offer Valuation*:

Up to $875

Annual Fee

$125

APR

20.24% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business^® American Express^® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros & Cons

Pros

• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points per $1 on all other purchases

Cons

• Moderate annual fee of $125 (rates and fees)
• No premium perks like airport lounge access

Read Full Review

Card Highlights

• LIMITED TIME OFFER: Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
• Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points on all other eligible purchases.
• Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business^® American Express^® Card.
• Terms apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

The Marriott Bonvoy Business card is a smart choice if you own a business, regardless of size.

You can redeem rewards earned on the card for free hotel nights that can help reduce business expenses or offset the cost of a personal vacation. Cardholders can also enjoy Gold Elite status with Marriott Bonvoy during their travels.

Why We Like This Card for Marriott Loyalists

• 6 points per $1 spent at participating Marriott Bonvoy hotels
• Complimentary Gold Elite status
• Annual 35,000-point Free Night Award
• Additional free night after spending $60,000 on the card
• 15 Elite Night Credits each year

Additional Card Benefits

• 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
• 2x points on all other purchases
• No foreign transaction fees (rates & fees)

If you have a small business and Marriott Bonvoy is your hotel brand of choice, it may be prudent to consider the additional earnings on the Marriott Bonvoy Business card.

Bottom Line: For bonus earnings on everyday purchases (up to $6,000 in purchases each year), the Marriott Bonvoy Boundless card may be a good choice. If you’re a business owner, the Marriott Bonvoy Business card, with a collection of 4x earning categories for typical business purchases, offers the greatest additional earning potential. For the frequent traveler who values lounge access, a generous statement credit for Marriott purchases, and Platinum Elite status, the Marriott Bonvoy Brilliant card could be the right match.

Annual Free Night Award

One of the most valuable benefits of Marriott Bonvoy-branded credit cards is the annual Free Night Award. You get it after you pay your annual fee each year, and once added to your Marriott Bonvoy account, it can be used worldwide at Marriott’s over 7,000 properties.

The Free Night Award normally expires 1 year from the issue date and is good for a free hotel night up to a specified point limit in value. One exciting new feature introduced by Marriott Bonvoy is the ability to add up to 15,000 Marriott Bonvoy points to your certificate to cover the cost of a higher-priced room.

The following Marriott Bonvoy cards offer Free Night Award:

Bottom Line: The annual Free Night Award can offer tremendous value and alone can be worth the annual fee on the Marriott Bonvoy-branded card. 

Travel Benefits and Protections

In addition to benefits such as elite status, lounge access, statement credits, and earning rewards, Marriott Bonvoy-branded cards offer additional travel benefits and protections.

The car rental loss and damage insurance can save you plenty when renting a vehicle. Pay for the entire rental with your card, decline the rental agency’s CDW/LDW insurance, and have coverage if the rental car is damaged or stolen.

Chase’s coverage is superior because it is primary coverage outside the U.S., not secondary. This means you do not have to first file a claim with your personal insurance company before card coverage applies, as you would with secondary coverage. However, you do have the option with Amex to purchase premium protection for a low price covering the entire rental period. Prices range from $12.25 to $24.95.

The actual limits, terms, and conditions of these additional benefits are expressly spelled out in the benefits guide that comes with each card.

Shopping Benefits and Protections

Shopping benefits and protections can save you money and provide economic relief should something go wrong with an eligible purchase.

Here are the benefits and protections for qualifying items purchased with your Marriott-branded card.

The Marriott Bold card, Marriott Boundless card, and Marriott Bountiful card also offer a 3-month complimentary Instacart+ membership and a $10 monthly Instacart credit. To receive the credit, you must have an active Instacart+ membership and use your eligible card as the payment method. Benefits end December 31, 2027.

For full shopping benefits and protection descriptions, plus terms and conditions, access the guide to benefits for the specific card.

Bottom Line: While you wouldn’t select a credit card based on shopping protections and benefits alone, it’s good to know what coverage is offered to utilize benefits, should the situation arise. 

What Can You Do With Marriott Bonvoy Points?

Marriott Bonvoy-branded cards allow you to accelerate rewards earning. With generous welcome bonus offers, elevated earnings at the Marriott family of properties, and every purchase you make earning points, rewards add up fast.

Fortunately, the Marriott Bonvoy loyalty program offers several ways to redeem your points for hotel nights, transfer your points to airline partners, and more.

Let’s look at what you can do with your Marriott Bonvoy points.

Free and Discounted Hotel Nights

There are several ways to redeem your points for free hotel nights:

• PointSavers: Discounted award stays, based on availability
• Free Hotel Nights: Reward redemptions based on dynamic pricing
• Cash and Points: Use a combination of cash and award points.
• Fifth Night Free: Book 5 consecutive award nights and pay for 4.
• Top Off Your Free Night Award: If you have a Free Night Award, you can add up to 15,000 points to secure a more expensive or higher category room.

Whether you’re looking for a luxury experience, a single night at an airport hotel, or a convenient venue to conduct business, you can use your rewards points to book a room.

Transfer to Travel Partners

When it comes to redeeming points, it’s best to have options. In addition to using them for free hotel nights, Marriott Bonvoy points can be transferred to airline partners and used to purchase award tickets.

It’s easy to turn Marriott Bonvoy points into miles — there are dozens of airline partners to choose from. Points generally transfer at the ratio of 3 Marriott Bonvoy points to 1 airline mile. Plus, for every 60,000 points you transfer to most partners, you receive a 5,000-mile bonus (the exceptions are American Airlines, Avianca Airlines, and Delta Air Lines).

• For example: transfer 60,000 miles to partner Alaska Airlines and receive 25,000 miles (60,000 points equals 20,000 miles plus the 5,000-mile bonus)

Other Redemption Options

Here are additional ways to redeem your Marriott Bonvoy points:

• TSA PreCheck: 25,000 points
• Gift Cards: A common redemption value would be 5,000 points for a $10 retail gift card or 10,000 points for a $25 gift card.
• Merchandise: Redeem your Marriott Bonvoy points for retail merchandise (generally not a good value).
• Marriott Bonvoy Moments: Access to activities such as concerts, festivals, and sporting events
• Flights and Rental Cars: This is generally not a good value.
• Donate: Give your points to charity.

Some redemption options provide far less value than others. Generally, the best redemption options for your points are hotel stays and transferring Marriott Bonvoy points to airline partners.

Final Thoughts

This group of Marriott Bonvoy-branded credit cards offers value for loyal Marriott travelers.

While you have to pay an annual fee with most of these cards, you can find plenty of perks and benefits to help offset that cost, including statement credits, lounge access, complimentary Marriott Bonvoy elite status, generous welcome bonus offers, and Free Night Awards that can deliver enough value on their own to make the fee more than worth it.

Remember, you could qualify for more than 1 Marriott Bonvoy-branded credit card. Having a personal card and a business card could be a good combination.

If you frequent Marriott properties, you should be a cardholder to earn free nights, enjoy the benefits of elite status, and take advantage of all the other perks offered with Marriott Bonvoy-branded cards.

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For the car rental collision damage coverage benefit of the Marriott Bonvoy Brilliant^® American Express^® Card, Marriott Bonvoy Bevy^® American Express^® Card, and Marriott Bonvoy Business^® American Express^® Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

For the trip cancellation and interruption insurance benefit of the Marriott Bonvoy Brilliant^® American Express^® Card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Marriott Bonvoy Brilliant^® American Express^® Card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Marriott Bonvoy Bevy^® American Express^® Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the Marriott Bonvoy Brilliant^® American Express^® Card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the Marriott Bonvoy Bevy^® American Express^® Card and Marriott Bonvoy Business^® American Express^® Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Marriott Bonvoy Brilliant^® American Express^® Card and Marriott Bonvoy Bevy^® American Express^® Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Marriott Bonvoy Business^® American Express^® Card, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the Marriott Bonvoy Brilliant^® American Express^® Card, Marriott Bonvoy Bevy^® American Express^® Card, and Marriott Bonvoy Business^® American Express^® Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of the Marriott Bonvoy Brilliant^® American Express^® Card, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express^® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.