Marriott Bonvoy Amex: Perks for the Loyal, Pitfalls for Others
Loyalty to Marriott has its perks with the Marriott Bonvoy Amex, but the steep APR might make you think twice. Let's dive into whether this card deserves a spot in your wallet.
The Quick Version
If you're a Marriott regular, the Marriott Bonvoy® American Express® Card might just be your new best friend. With 3 points per £1 spent at Marriott properties and a complimentary Silver Elite status, it’s a rewarding choice. However, with a £75 annual fee and a hefty 56.6% variable APR, it’s not for the faint-hearted or those with less than a stellar credit score.
Marriott Bonvoy Amex Card is a great fit for Marriott enthusiasts.
Marriott Bonvoy® American Express® Card
What's Inside
The card is packed with features tailored for Marriott devotees. You'll earn 3 points for every pound spent at Marriott properties, while other purchases net you 2 points per pound. There’s a tempting sign-up bonus of 10,000 points after your first purchase and no foreign transaction fees to worry about. Plus, enjoy the perks of Silver Elite status right from the get-go.
What's Actually Good
There’s a lot to love if you’re already invested in Marriott’s ecosystem. Earning 3 points per pound at Marriott is a significant boost for frequent travelers. The complimentary Silver Elite status is a nice touch, offering benefits such as priority late checkout. Not having to pay foreign transaction fees is a relief for globetrotters who like to keep it cashless.
The Catch
While the card shines for Marriott loyalists, it comes with a few caveats. The £75 annual fee might be a sticking point if you don’t frequently stay at Marriott hotels. More concerning is the 56.6% variable APR, which is eye-watering and could quickly outweigh the benefits if you carry a balance. Also, to maximize rewards, you’re pretty much tethered to Marriott properties, which may not suit everyone’s travel habits.
Who It's For
This card is tailor-made for frequent Marriott guests who can leverage the points system and enjoy the Silver Elite perks. It's ideal if you travel internationally often, thanks to the lack of foreign transaction fees. However, if you’re not a regular at Marriott or tend to carry a balance on your card, you might want to look elsewhere.
The Bottom Line
The Marriott Bonvoy Amex is a powerhouse for those entrenched in the Marriott world, but tread carefully if you're not. The annual fee and APR are significant considerations. For a broader perspective on credit cards without such high fees, you might want to check out our review of the Amazon Platinum Mastercard: Worth Your Wallet?.
