| Category | Rate | Type | Cap |
|---|---|---|---|
|
Marriott Bonvoy Hotels
On eligible purchases at hotels participating in the Marriott Bonvoy program.
|
6x | Points | No cap |
|
U.S. Restaurants
On the first $150,000 in combined eligible purchases across specified 4x categories each calendar year, then 2x points.
|
4x | Points | $150,000/yr |
|
U.S. Gas Stations
On the first $150,000 in combined eligible purchases across specified 4x categories each calendar year, then 2x points.
|
4x | Points | $150,000/yr |
|
Airfare Purchased Directly from Amex
On purchases made directly from American Express for airfare, on the first $150,000 in combined eligible purchases across specified 4x categories each calendar year, then 2x points.
|
4x | Points | $150,000/yr |
|
Car Rentals Purchased Directly from Amex
On purchases made directly from American Express for car rentals, on the first $150,000 in combined eligible purchases across specified 4x categories each calendar year, then 2x points.
|
4x | Points | $150,000/yr |
|
Wireless Telephone Services
On purchases for wireless telephone services purchased directly from U.S. wireless telephone service providers, on the first $150,000 in combined eligible purchases across specified 4x categories each calendar year, then 2x points.
|
4x | Points | $150,000/yr |
|
Shipping Purchases
On purchases for shipping, on the first $150,000 in combined eligible purchases across specified 4x categories each calendar year, then 2x points.
|
4x | Points | $150,000/yr |
|
All Other Purchases
On all other eligible purchases, and after the $150,000 combined annual cap is reached for 4x categories.
|
2x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Employee Cards
Add employee cards at no additional annual fee to help manage business expenses.
|
Financial | No additional annual fee |
|
No Foreign Transaction Fees
Pay no foreign transaction fees on purchases made abroad.
|
Financial | — |
|
Year-End Summary
Receive a summary of your spending to help with budgeting and tax preparation.
|
Financial | Complimentary |
|
Baggage Insurance Plan
Provides coverage for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a common carrier ticket with your eligible Card. Coverage is secondary.
|
Insurance |
Up to $1,250 per person for checked baggage, up to $1,250 per person for carry-on baggage
Up to $1,250
|
|
Car Rental Loss and Damage Insurance
Secondary coverage for damage to or theft of a rental vehicle when you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter.
|
Insurance |
Up to $50,000
Up to $50,000
|
|
Extended Warranty
Extends the original manufacturer’s warranty for up to one additional year on eligible purchases with a warranty of five years or less.
|
Insurance |
Up to $10,000 per item, $50,000 per cardmember account per calendar year
Up to $10,000
|
|
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.
|
Insurance |
Up to $1,000 per item, $50,000 per cardmember account per calendar year
Up to $1,000
|
|
Connect to QuickBooks
Easily tag transactions and sync them with QuickBooks for streamlined expense management.
|
Other | Complimentary |
|
2X Marriott Bonvoy Points on All Other Purchases
Earn 2 Marriott Bonvoy points for every dollar spent on all other eligible purchases.
|
Rewards | 2x points |
|
4X Marriott Bonvoy Points on Select Business Categories
Earn 4 Marriott Bonvoy points for every dollar spent on purchases at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. shipping purchases.
|
Rewards | 4x points |
|
6X Marriott Bonvoy Points on Marriott Purchases
Earn 6 Marriott Bonvoy points for every dollar spent on eligible purchases at hotels participating in Marriott Bonvoy.
|
Rewards | 6x points |
|
Account Alerts
Receive alerts for unusual activity, large purchases, or payment due dates to help monitor your account.
|
Security | Complimentary |
|
Fraud Protection
American Express offers fraud protection, meaning you will not be held responsible for unauthorized charges.
|
Security | — |
|
Additional Free Night Award (Spend Bonus)
Earn an additional Free Night Award (redemption level up to 35,000 Marriott Bonvoy points) after spending $60,000 on eligible purchases in a calendar year.
|
Travel | Up to 35,000 points value |
|
Annual Free Night Award
Receive one Free Night Award (redemption level up to 35,000 Marriott Bonvoy points) each year after your Card anniversary.
|
Travel | Up to 35,000 points value |
|
Global Assist Hotline
Provides 24/7 emergency assistance for medical, legal, and other travel-related emergencies when traveling more than 100 miles from home. Cardmembers are responsible for the costs charged by third-party service providers.
|
Travel | Complimentary service access |
|
Marriott Bonvoy Elite Night Credits
Receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status each calendar year.
|
Travel | 15 nights/year |
|
Marriott Bonvoy Gold Elite Status
Receive complimentary Marriott Bonvoy Gold Elite status, offering benefits like 25% bonus points on stays, late checkout (subject to availability), and enhanced room upgrades (subject to availability).
|
Travel | Complimentary |
