American Express Bonvoy
Bonvoy0.9¢ – 1.8¢
$120 annual fee
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Marriott loyalty card with a flat 2x base earn and 5x at Marriott properties. The headline benefit is a free annual hotel night certificate (good at properties up to 35,000 points), which usually covers the annual fee on its own. Best for travellers who stay at Marriott brands at least once a year.
Earn Rates
🛒 Groceries — Amex accepted2x🍽️ Dining2x⛽ Gas2x🚇 Transit2x✈️ Travel2x💊 Drugstore2x📺 Streaming2x📄 Bills2x🛍️ Everything Else2x·Everything else2x
💡 Earns 5x on Marriott purchases specifically. 2x on everything else. Travel column uses 2x general rate.
Welcome Bonus
Smart Bonus Strategy — Earn 76,002 points
See spend breakdown below
Minimum spend bonus
Spend $3,000 in 6 months
60,000 pts × 0.9¢+$540Minimum spend bonus
Spend $1 in 13 months
optimal stop10,000 pts × 0.9¢+$90Min. spend earnings6,002 pts × 0.9¢+$54
Annual benefits × 2 yrsFree annual hotel night award (up to 35K pts), Silver Elite status, travel insurance+$650
Annual fee × 2 yrs-$240
Net 13-month value+$1,094
⚠️ This bonus takes 13 months to fully earn — not all value is received in year 1. The total shown includes the full bonus across the entire earning period.
Compare to Similar Cards
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