Amex Marriott Bonvoy Card Benefits for Active-Duty U.S. Military Members [2023]

American Express does an excellent job of providing card benefits for active-duty military members. Since American Express also issues some of the best travel rewards cards, the added perk of military benefits results in some excellent card choices for servicemembers.

And, if you’re an active-duty servicemember who stays at Marriott properties, you’ll enjoy the same level of military benefits on American Express Marriott Bonvoy cards.

The foundation for military credit card benefits stems from the Servicemembers Civil Relief Act passed in 2003 (SCRA) and the Military Lending Act in 2006 (MLA). The laws set forth management requirements and fee relief for financial and credit transactions involving military members.

We’ll talk briefly about the acts, but our main focus today is how Amex Marriott Bonvoy cards and the American Express military benefits can add significant value for active-duty military members and their families.

How Do the SCRA and MLA Work?

Military members face several challenges during their service, some of which can be financial. The SCRA and MLA were passed to alleviate some of those financial burdens.

The laws initially applied to various financial transactions, including mortgages, car loans, and other installment loans. In 2017, credit card transactions were added.

The SCRA applies to credit granted to military members before their active-duty service, while the MLA applies to credit acquired during active duty.

The SCRA caps interest rates at 6% for credit cards acquired before active duty, and the MLA caps interest rates at 36% (including all credit card fees) on credit cards acquired during active duty.

How American Express Delivers SCRA and MLA Military Benefits

In addition to capping interest rates at 6% on credit cards acquired before active duty, American Express won’t charge the following fees for active-duty military members, their spouses, and eligible dependents for cards secured during active duty.

• Annual card fee
• Over-limit fees
• Late payment fees
• Returned payment fees
• Fees for statement copy requests

Potential Value of Amex Marriott Bonvoy Cards for Active-Duty Military

Amex Marriott Bonvoy cards can provide value for active-duty servicemembers in several ways.

Let’s start with some of the most valuable.

Removal of the Annual Fee

One of the most significant benefits of Amex Marriott Bonvoy cards for active-duty servicemembers is the annual fee exemption. While this is true of personal cards, unlike most other card issuers, American Express won’t charge the annual fee on business cards.

Here are the annual fee savings you could realize as an active-duty military member:

Card	Annual Fee
Marriott Bonvoy Brilliant® American Express® Card	$650 (rates & fees)
Marriott Bonvoy Bevy™ American Express® Card	$250 (rates & fees)
Marriott Bonvoy Business® American Express® Card	$125 (rates & fees)

Bottom Line:

American Express will remove the annual fees for personal and business cards for active-duty military members and eligible spouses/dependants.

Earning Potential and Redemption Options

If you’re a fan of Marriott, earning Marriott Bonvoy points to redeem for hotel nights can open up new opportunities to offset the expense of your next family vacation.

Let’s look at how you can accumulate points and your redemption options at redemption time.

The Value of a Welcome Offer

A welcome offer is a unique opportunity to accumulate a large number of Marriott Bonvoy points in a short period of time. The welcome offer can be earned by meeting minimum spending requirements within a specific time period that starts as soon as you’re approved for a card.

Welcome offers vary, but you can count on an offer worth several free hotel nights, even when redeemed for luxury-level hotel properties.

You’ll want to check for the most recent welcome offer before applying. Here are the current welcome offers for Amex Marriott Bonvoy-branded cards:

Marriott Bonvoy Brilliant^® American Express^® Card

Marriott Bonvoy Bevy™ American Express^® Card

Marriott Bonvoy Business^® American Express^® Card

Bottom Line:

Amex Marriott Bonvoy cards each come with a generous welcome offer that can be earned by meeting minimum spending requirements in the specified period after card approval.

Referral Bonus Opportunities

One easy way to earn Marriott Bonvoy points is to refer a friend or family member for a Marriott Bonvoy-branded American Express card. For each approved referral, you’ll receive Marriott Bonvoy points. The amount can vary depending on whether there is a promotion, but generally, you can receive a maximum of 50,000 to 100,000 bonus points each year.

American Express is also unique in that when your friend uses your referral link, they can select from any of the offered American Express cards and you will receive the bonus, not just the same card from which you referred.

If you refer just 3 people, you could potentially earn 60,000 Marriott Bonvoy points — enough for a weekend getaway.

Spending on the Cards

You’ll earn well when using your Marriott Bonvoy card for spending at Marriott Bonvoy properties, but you’ll also earn on everyday spending.

Here are all the ways you can earn Marriott Bonvoy bonus points on Amex Marriott Bonvoy cards:

Card	Earnings
Marriott Bonvoy Brilliant Card	6x points at participating Marriott Bonvoy hotels 3x points for restaurants worldwide and flights booked directly with the airline 2x points on all other purchases
Marriott Bonvoy Bevy Card	6x points at participating Marriott Bonvoy hotels 4x points at restaurants worldwide (including takeout/delivery in the U.S.) and at U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and supermarkets, then 2x points) 2x points on all other purchases
Marriott Bonvoy Business Card	6x points at participating Marriott Bonvoy hotels 4x points at restaurants worldwide, U.S. gas stations, wireless phone services directly from U.S. service providers, and U.S. shipping purchases 2x points on all other purchases

As you’ll notice, each card earns 6x points at Marriott properties, but these are just base earnings. You’ll earn additional points with each property stay plus bonus earnings for having Marriott Bonvoy elite status, which comes complimentary with each card. We’ll talk more about Marriott Bonvoy-specific card benefits shortly.

In addition to earning on Marriott purchases, bonus earning categories differ by card. The best card for earning will depend on your actual spending mix.

Bottom Line:

Amex Marriott Bonvoy cards earn 6x points at participating Marriott properties. Additionally, each card offers its specific mix of bonus-earning categories. All Amex Marriott Bonvoy cards earn 2x points on all other purchases.

Redemption Options

You’ll have several options when it’s time to redeem your hard-earned Marriott Bonvoy points.

Free Hotel Nights

The best value (and perhaps the most fun) is to redeem Marriott Bonvoy points for hotel nights. One of the best options is to book a stay where you receive the fifth award night free. For example, if a hotel costs 20,000 points per night, you will pay 80,000 points for 5 nights versus 100,000. It’s a great way to make your rewards go further.

You can also redeem your points for award nights that start at 5,000 points. You’ll pay much more for luxury hotel properties and stays during peak times.

Transfer to Airline Partners

Although redeeming your Marriott Bonvoy points for hotel nights can deliver the best value for your rewards points, transferring your points to airlines to purchase award flights is an additional redemption option.

Most transfer options are offered with a ratio of 3:1, Marriott Bonvoy points to airline frequent flyer miles. If you transfer at least 60,000 points, you’ll receive a 5,000-mile bonus with most partners. This means that transferring 60,000 Marriott Bonvoy points would generally equal 25,000 miles.

Additional Redemption Options

Additional redemption options include gift cards, merchandise, Marriott Bonvoy Moments experiences, TSA PreCheck fees, car rentals, or charitable donations. Note that some options may result in poor value for your reward points.

Hot Tip:

The Marriot Bonvoy Brilliant card has an annual statement credit for eligible restaurant purchases of up to $300. You’ll earn 3x points on every restaurant purchase, plus a statement credit of up to $25 each month for a total of $300 in a calendar year.

Marriott Bonvoy-Specific Benefits

Marriott Bonvoy benefits are key reasons for securing an Amex Marriott Bonvoy card. Free night certificates, complimentary Marriott Bonvoy elite status with corresponding benefits, and bonus earnings at Marriott properties all provide significant value.

Here are the Marriott Bonvoy-centric benefits you can expect with your card.

Free Hotel Night Certificate

One of the most valuable benefits of Amex Marriott Bonvoy cards is the free night certificates. Free night certificates can be worth various amounts depending on the card and can be issued after card renewal or when spending thresholds are met each year.

Here are the free night certificates you can expect on each card:

Card	Free Night Certificates
Marriott Bonvoy Brilliant Card	1 free night certificate, issued after card renewal, worth up to 85,000 points
Marriott Bonvoy Bevy Card	1 free night certificate, worth up to 50,000 points, after spending $15,000 in a year on the card
Marriott Bonvoy Business Card	1 free night certificate, issued after card renewal, worth up to 35,000 points Additional free night certificate after spending $60,000 on the card in a calendar year

Hot Tip:

For creative ideas on using your Marriott Bonvoy free night certificates, we’ve put together a list that will trigger your wanderlust. Here are some of the best properties for redeeming your Marriott free night certificates.

A Faster Path to Elite Status

Each Amex Marriott Bonvoy card comes with complimentary Marriott Bonvoy elite status. In addition, each card provides Elite Night Credits that count toward even higher elite status.

Elite status can include benefits such as upgraded rooms, bonus earnings on stays, early check-in/late checkout, complimentary breakfast, lounge access, and more.

Here’s a summary of the levels of elite status granted with each card and the number of Elite Night Credits you can expect.

Card	Complimentary Marriott Bonvoy Elite Status/Elite Night Credits
Marriott Bonvoy Brilliant Card	Platinum Elite status/25 Elite Night Credits
Marriott Bonvoy Bevy Card	Gold Elite status/15 Elite Night Credits
Marriott Bonvoy Business Card	Gold Elite status/15 Elite Night Credits

Elite Night Credits can be accumulated from a maximum of 1 personal and 1 business card. For example, if you had the Marriott Bonvoy Brilliant card and the Marriott Bonvoy Business card, you would receive a total of 40 nights toward elite status (25+15).

Additional Elite Night Credits can be earned by staying at Marriott properties. Here are the total number of Elite Night Credits you’ll need for each Marriott Bonvoy elite status level:

Elite Status Level	Number of Nights Required
Silver	10
Gold	25
Platinum	50
Titanium	75
Ambassador	100 nights + $23,000 in spending at Marriott (2023)

To learn more about the benefits at each level of Marriott Bonvoy elite status, our in-depth article explains in detail.

Additional Bonus Earnings on Marriott Stays

You’ll receive up to 50% in additional bonus earnings when using an Amex Marriott Bonvoy card due to the complimentary Platinum Elite status that comes with the card.

With the Marriott Bonvoy Bevy card, you’ll earn an additional 1,000 bonus points on every eligible Marriott stay when paying with your card.

Discounted Hotel Rates

The Marriott Bonvoy Business card offers a 7% discount, available at booking, on all participating Marriott hotel stays. You must log in to your online Marriott Bonvoy account to receive the discount when making the reservation.

Bottom Line:

Marriott Bonvoy benefits that can come with Amex Marriott Bonvoy cards include free night certificates, elite status with related benefits, additional bonus earnings on stays, and discounted hotel rates.

Travel Protections and Benefits

Amex Marriott Bonvoy cards have several useful travel protections and benefits.

Before we expand on the details of each one, let’s look at a summary of how the cards compare.

Protection or Benefit	Marriott Bonvoy Brilliant Card	Marriott Bonvoy Bevy Card	Marriott Bonvoy Business Card
Car Rental Loss and Damage Insurance	Secondary coverage, with the option to purchase Premium Protection for 1 low fee that covers the entire rental period
Trip Cancellation/Trip Interruption	Up to $10,000 per trip, up to $50,000 per eligible card per 12-month period for each coverage	N/A	N/A
Trip Delay Insurance	Trips delayed over 6 hours	Trips delayed over 12 hours	N/A
Baggage Insurance Plan	Up to $3,000 for carry-on and checked, $2,000 for checked	Up to $1,250 for carry-on, up to $500 for a checked bag	Up to $1,250 for carry-on, up to $500 for a checked bag
Global Entry/TSA PreCheck	Up to $100 reimbursement for Global Entry, up to $85 reimbursement for TSA PreCheck	N/A	N/A
Worldwide Lounge Access	Complimentary Priority Pass Select Membership (enrollment required)	N/A	N/A

Car Rental Loss and Damage Insurance

All Amex Marriott Bonvoy cards come with secondary car rental insurance. Secondary coverage means that you must first file a claim with any other auto insurance that might apply.

To activate coverage, reserve and pay for your rental car with your card, and decline the rental agency’s CDW/LDW coverage to receive protection for damage or theft of the rental vehicle.

You’ll also have the option to purchase Premium Protection, which includes primary car rental coverage, for just 1 low price that covers the entire rental period, up to 42 consecutive days.

Rates for Premium Protection coverage range from $12.25 to $24.95 for the entire rental period, depending on the level of coverage selected and your state of residence.

Trip Delay Insurance

If your trip is delayed for more than 6 hours for covered reasons, you could receive up to $500 per trip with the Marriott Bonvoy Brilliant card. The Marriott Bonvoy Bevy card will provide up to $300 per trip for delays of over 12 hours. There is a limited of 2 claims per 12-month period. The Marriott Bonvoy Business card does not offer trip delay coverage.

Baggage Insurance Plan

With the Marriott Bonvoy Brilliant card, you could receive a combined maximum of up to $3,000 for carry-on and checked bags and up to $2,000 for just checked luggage if your bags are lost or stolen. Coverage with the Marriott Bonvoy Bevy card and the Marriott Bonvoy Business card is up to $1,250 for carry-on and up to $500 for checked bags.

Global Entry/TSA PreCheck Fee Reimbursement

Pay for your Global Entry or TSA PreCheck application or renewal fee with your Marriott Bonvoy Brilliant card and receive a statement credit for the amount of the fee. Statement credits are valid for 1 fee every 4 years for Global Entry or every 4.5 years for TSA PreCheck.

Priority Pass Select Membership

The Marriott Bonvoy Brilliant card has worldwide lounge access to over 1,400 locations. Complimentary Priority Pass Select membership also includes access for 2 additional guests.

Bottom Line:

Amex Marriott Bonvoy cards come with several useful travel protections and benefits. The Marriott Bonvoy Brilliant card offers the best collection with car rental insurance, trip cancellation/interruption, trip delay, baggage insurance, Global Entry/TSA PreCheck fee reimbursement, and Priority Pass Select membership.

Shopping Protections and Benefits

Shopping protections can provide coverage if something should go wrong with an eligible purchase. Benefits can save you money or help you earn more Marriott Bonvoy points.

Here is a summary of key shopping protections and benefits you’ll find on our featured cards, followed by details of each one.

Shopping Protection or Benefit	Marriott Bonvoy Brilliant Card	Marriott Bonvoy Bevy Card	Marriott Bonvoy Business Card
Purchase Protection	90 days from purchase date, up to $10,000 per item, up to $50,000 per card		90 days from purchase, up to $1,000 per item, $50,000 per card
Extended Warranty	Up to 1 additional year for items with manufacturer’s warranties of 5 years or less
Return Protection	90 days from purchase, up to $300 per item, up to $1,000 per year	N/A	N/A
Cell Phone Protection	Up to $800 per claim, up to 2 claims per 12 months	N/A	N/A
Amex Offers (Enrollment Required)	Yes	Yes	Yes

Purchase Protection and Extended Warranty

Purchase an eligible item with any of the 3 featured Amex Marriott Bonvoy cards and receive coverage for damage or theft for up to 90 days from the date of purchase. The Marriott Bonvoy Brilliant card and Marriott Bonvoy Bevy card provide protection for up to $10,000 per eligible item, up to $50,000 per card. The Marriott Bonvoy Business card has a limit of $1,000 per eligible item, $50,000 per card.

Eligible items purchased with any Amex Marriott Bonvoy card with manufacturer’s warranties of 5 years or less will receive 1 additional year of protection with Amex extended warranty coverage.

Return Protection

If a merchant does not accept the return of an eligible item purchased with your Marriott Bonvoy Brilliant card within 90 days of the purchase date, you could receive up to $300 per item, up to $1,000 per calendar year.

Cell Phone Protection

Pay for your monthly cell phone bill with the Marriott Bonvoy Brilliant card and receive coverage for theft or damage of up to $800 per claim. There is an up to $50 deductible per claim and a maximum of 2 claims per 12-month period.

Amex Offers

Amex Offers can save you hundreds, even thousands, of dollars annually. Simply log in to your online Marriott Bonvoy card account and select from retail and service provider offers. Then, make the required purchase to receive a statement credit or additional Marriott Bonvoy points.

Qualification and Requesting Benefits

Before applying for an Amex Marriott Bonvoy-branded card, you’ll want to ensure you qualify for military benefits, meet the card requirements, and then follow up to request benefits.

Here’s how to get the process started and ultimately receive your benefits.

Who Qualifies for Amex Military Benefits

Before applying for any credit card offering military benefits, it’s best to ensure you meet the card issuer’s qualifications.

Here are the general requirements for American Express SCRA/MLA benefits:

• An active-duty full-time military member or reserve member of any branch of the U.S. Armed Forces
• A National Guard member who has been on active duty for more than 30 consecutive days
• A commissioned officer of NOAA or the Public Health Service
• A U.S. citizen serving in the U.S. allied forces during war or military action

Additionally, American Express won’t charge fees for spouses and eligible dependents (as defined in 38 USC 101(4).

For credit cards acquired before active duty but after September 20, 2017, the SCRA will apply. For cards acquired during active duty, the MLA will apply.

How To Apply for Amex Marriott Bonvoy Cards as an Active-Duty Military Member

Once you’ve determined you’re qualified for American Express military benefits, you can apply for your preferred card.

Before you do, here are some tips for applying for an Amex Marriott Bonvoy card:

• Verify Your Active-Duty Status Record — American Express will use the Department of Defense database to verify your active-duty status and the Defense Enrollment Eligibility Reporting System (DEERS) for eligible dependants. Check these databases via the MLA website to verify your records reflect your, or your dependent’s, status.
• Check Your Credit Score — You’ll need a good to excellent credit score to be approved for an Amex Marriott Bonvoy card. While this is generally considered a score of 670 or above, we recommend a score of 700+ to increase your chances of approval.
• Review American Express Card Approval Rules — American Express generally limits the number of cards you can have to 5 cards, including business cards. You’ll want to review the rules before applying if you have other Amex cards.
• Application Information — Be sure to select the Military as your source of income, as this can trigger military benefits automatically after verification (but not always).

You may be approved immediately for the card, or American Express may need more time to review your application.

You may also receive military benefits automatically after approval if American Express successfully validates your active-duty status via the government database using your Social Security number.

How To Request Benefits (Do This After You’re Approved)

Once you’ve been approved for an Amex Marriott Bonvoy card, you may automatically receive a confirmation that you’ll receive military benefits on your account.

If, for any reason, you do not, you can request benefits via your online card account under the Account Services option. Select either Credit Management or Payment & Credit Options, then SCRA Benefits.

• Call American Express at 800-253-1720, or if outside the U.S., call 336-393-1111 (collect)
• FAX your request, along with supporting documents and account numbers to American Express at 623-444-3000
• Mail your request and supporting information to American Express, Servicemembers Civil Relief Act, P.O. Box 981535, El Paso, TX, 79998-1535

It can take several weeks for American Express to verify your status and process your request for benefits.

Generally, you’ll need to pay the initial annual fee and wait for American Express to reimburse you after validating your status. However, it is possible that the validation can happen based on your application, and benefits could be granted automatically.

Additional American Express Recommended Card for Active-Duty Military Members Who Frequent Marriott Properties

Even if you’re not a frequent traveler, you could find tremendous value with The Platinum Card^® from American Express. The annual fee exemption as an active-duty military member makes the card a premier choice for servicemembers.

The Platinum Card^® from American Express

Why We Like the Card for Active-Duty Military

• $695 annual fee exemption (rates & fees)
• Generous welcome offer
• Complimentary worldwide lounge access to over 1,400 locations, including the Centurion Lounge network, Priority Pass, and Delta Sky Club (enrollment required)
• Complimentary Marriott Bonvoy and Hilton Honors Gold Elite status (enrollment required)
• Up to $200 in statement credits for airline incidental purchases (enrollment required)
• Cell phone protection

This is just a sampling of benefits from the Amex Platinum card. You can learn more about all of the Amex Platinum card’s benefits for active-duty military members in our detailed article on the topic.

Final Thoughts

Securing an Amex Marriott Bonvoy card if you’re an active-duty military member can be a solid economic choice. You’ll earn award hotel nights faster, add comfort to your stays, enjoy statement credits for specific purchases, and receive benefits you can actually use.

You’ll also want to check out the additional Marriott Bonvoy-branded credit cards and travel rewards credit cards that may provide good value for active-duty members who stay at Marriott properties

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For the baggage insurance plan benefit of the Marriott Bonvoy Brilliant 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 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 baggage insurance plan benefit of the Marriott Bonvoy Business 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 car rental loss and damage insurance benefit of the Marriott Bonvoy Brilliant card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the car rental loss and damage insurance benefit of the Marriott Bonvoy Bevy card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the car rental loss and damage insurance benefit of the Marriott Bonvoy Business card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions 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. 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 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 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 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 trip delay insurance benefit of the Marriott Bonvoy Business 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 extended warranty benefit of the Marriott Bonvoy Brilliant 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 extended warranty benefit of the Marriott Bonvoy Bevy 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 extended warranty benefit of the Marriott Bonvoy Business 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 purchase protection benefit of the Marriott Bonvoy Brilliant 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 Bevy 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 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 return protection benefit of the Marriott Bonvoy Brilliant 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.

For the cell phone protection benefit of the Marriott Bonvoy Brilliant card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12-month period. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.

For the cell phone protection benefit of the Amex Platinum card, 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.