Loyalty Program: Marriott Bonvoy

  • Earn 6x points at Marriott
  • Free Night Award Annually
  • 15 Elite Nights Towards Status Annually
Learn More
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • 3X points per $1 on first $6,000 annually at grocery stores, gas stations, and dining.
  • 1 Elite Night Credit towards Elite Status for every $5,000 spent.
  • 1 Free Night Award (up to 35,000 points) every year after account anniversary.
  • Up to 17X total points per $1 spent at thousands of Marriott Bonvoy® hotels.
  • 15 Elite Night Credits annually; automatic Silver Elite status; path to Gold Status with $35,000 annual spend.
  • No Foreign Transaction Fees; points don’t expire with qualifying activity every 24 months.
  • Member FDIC
Annual Fee
  • Primary card $95
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 19.99 %
Earning Rate
  • All Spending2Points
  • Groceries2Points
  • Gas2Points
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Marriott Bonvoy

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 3x points at Marriott
  • Complimentary Silver Elite Status
  • 15 Elite Nights Towards Status Annually
Learn More
  • Earn 30,000 Bonus Points after qualifying purchases.
  • No annual fee.
  • Up to 14X total points per $1 at thousands of Marriott Bonvoy® hotels.
  • 2X points per $1 at grocery stores, rideshare, select food delivery, select streaming, and internet/cable/phone services.
  • 1X point per $1 on all other purchases.
  • Travel now, pay later: monthly payment plans (no interest/plan fees) on qualifying travel purchases (terms apply).
  • Pay Yourself Back®: Redeem points for statement credit toward qualifying travel purchases (up to $750 per year).
  • Member FDIC
Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 19.99 %
Earning Rate
  • Travel2Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 6x points at Marriott
  • Free Night Award Annually
  • 15 Elite Nights Towards Status Annually
Learn More
  • WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Terms apply.
  • 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 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 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 Marriott Bonvoy 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.
Annual Fee
  • Primary card $125
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • Gas4Points
  • Telecom/Internet4Points
  • All Spending2Points
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 6x points at Marriott hotels globally
  • $300 Marriott Bonvoy Statement Credit
  • Annual Free Night Award
Learn More
  • Earn up to 150,000 Marriott Bonvoy bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your 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.
Annual Fee
  • Primary card $450
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery3Points
  • All Spending2Points
  • Groceries2Points
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration

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