| Category | Rate | Type | Cap |
|---|---|---|---|
|
Marriott Bonvoy Hotels
Earned on eligible purchases charged directly at hotels participating in Marriott Bonvoy. No annual cap. Combined with Bonvoy member base points and complimentary Gold Elite 25% bonus, total on-property earn can reach up to 18.5X.
|
6x | Points | No cap |
|
Restaurants Worldwide
Earned on eligible purchases at restaurants worldwide, including takeout and delivery. Subject to a $15,000 combined annual cap shared with U.S. supermarkets; rate drops to 2X after the combined cap is reached.
|
4x | Points | $15,000/yr |
|
U.S. Supermarkets
Earned on eligible purchases at U.S. supermarkets. Subject to a $15,000 combined annual cap shared with restaurants worldwide; rate drops to 2X after the combined cap is reached.
|
4x | Points | $15,000/yr |
|
All Other Eligible Purchases
Base earn rate applied to all eligible purchases not covered by a higher bonus category, including restaurant and supermarket purchases once the $15,000 combined annual cap is reached. Excludes fees, interest charges, cash advances, traveler's checks, prepaid card purchases, cash equivalents, and person-to-person transactions.
|
2x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States.
|
Financial | 0% foreign transaction fee |
|
Plan It — Pay Over Time Feature
Eligible purchases of a qualifying minimum amount may be split into equal monthly installments with a fixed monthly plan fee (up to 1.33% of the amount placed in a plan), rather than accruing standard purchase APR interest. Plan fee and duration are disclosed before each plan is created.
|
Financial | Fixed monthly fee (up to 1.33%/month) |
|
Baggage Insurance Plan
Covers lost, damaged, or stolen baggage when traveling on a common carrier (plane, train, ship, or bus) and the entire fare is charged to the eligible Card. Coverage is up to $1,250 for carry-on baggage and up to $500 for checked baggage in excess of the common carrier's coverage. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $1,250 carry-on; up to $500 checked
Up to $1,250
|
|
Car Rental Loss and Damage Insurance (Secondary)
Provides secondary coverage for damage to or theft of a rental vehicle (up to $50,000) when the Card is used to reserve and pay for the entire rental and the CDW is declined at the counter. Geographic restrictions apply; not all vehicle types are covered; no liability coverage included. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $50,000 secondary CDW coverage
Up to $50,000
|
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on covered purchases made with the Card, applicable to warranties of 5 years or less. Underwritten by AMEX Assurance Company.
|
Insurance | Up to 1 additional year on warranties ≤5 years |
|
Purchase Protection
Covers eligible new purchases made with the Card against accidental damage or theft for up to 90 days from the date of purchase. Coverage limits and exclusions apply. Underwritten by AMEX Assurance Company.
|
Insurance | Up to 90 days from purchase date |
|
Trip Delay Insurance
Reimburses reasonable expenses (lodging, meals, toiletries, medication) when a covered round-trip is delayed more than 12 hours due to a covered reason and the fare is charged to the eligible Card. Coverage is up to $300 per covered trip, with a maximum of 2 claims per 12-month period. Underwritten by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $300 per covered trip (max 2 claims/year)
Up to $300
|
|
American Express Experiences
Access to American Express Experiences, including presale tickets, reserved seats, and special access to concerts, Broadway shows, sporting events, and other entertainment through the American Express Experiences program.
|
Lifestyle | Complimentary access |
|
2X Points on All Other Eligible Purchases
Earn 2 Marriott Bonvoy points per dollar on all other eligible purchases not covered by a higher bonus category.
|
Rewards | 2X Points |
|
4X Points at Restaurants Worldwide
Earn 4 Marriott Bonvoy points per dollar at restaurants worldwide (including takeout and delivery) on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year. Rate drops to 2X after the combined cap is reached.
|
Rewards | 4X Points (up to $15,000 combined cap) |
|
4X Points at U.S. Supermarkets
Earn 4 Marriott Bonvoy points per dollar at U.S. supermarkets on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year. Rate drops to 2X after the combined cap is reached.
|
Rewards | 4X Points (up to $15,000 combined cap) |
|
6X Points at Marriott Bonvoy Hotels
Earn 6 Marriott Bonvoy points per dollar on eligible purchases at hotels participating in Marriott Bonvoy. Combined with Bonvoy member base points and Gold Elite bonus, total earn at Marriott can reach up to 18.5X.
|
Rewards | 6X Points |
|
Fraud Protection and Dispute Resolution
American Express continuously monitors account activity for suspicious or unauthorized charges and provides immediate notification if unusual activity is detected. Cardholders incur zero liability for unauthorized charges, and American Express works with the cardmember and merchant to investigate and resolve billing disputes.
|
Security | Complimentary |
|
Amex Offers
Access rotating, personalized statement credit and bonus points offers from a wide range of brands. Offers must be added to the Card via the Amex App or online account before making eligible purchases.
|
Shopping | Variable savings |
|
1,000 Bonus Points Per Eligible Stay
Earn 1,000 Marriott Bonvoy bonus points for each paid eligible stay booked directly with Marriott at properties participating in Marriott Bonvoy. Not available on award stays or stays where free night certificates are redeemed.
|
Travel | 1,000 bonus points per stay |
|
15 Elite Night Credits Per Year
Receive 15 Elite Night Credits toward Marriott Bonvoy elite status each calendar year, accelerating progress toward higher Medallion tiers. Credits apply to the Basic Cardmember's Bonvoy account only and cannot be combined with credits from another personal Marriott Bonvoy card.
|
Travel | 15 Elite Nights/year |
|
Complimentary Marriott Bonvoy Gold Elite Status
Cardholders automatically receive Marriott Bonvoy Gold Elite status, which includes a 25% bonus points earning rate on eligible hotel purchases (including room rate and incidentals), enhanced room assignment, and other Gold tier perks at participating Marriott Bonvoy properties. Status is available to the Basic Cardmember only and is revoked if the account is cancelled.
|
Travel | Complimentary |
|
Free In-Room Premium Internet Access
Receive complimentary in-room premium internet access when staying at hotels participating in Marriott Bonvoy. Booking requirements apply.
|
Travel | Complimentary |
|
Free Night Award (Spend-Triggered)
Earn one Free Night Award redeemable for one night at a Marriott Bonvoy participating hotel with a redemption level at or under 50,000 points after spending $15,000 on eligible purchases on the Card in a calendar year. Certain resort fees may apply.
|
Travel | Up to 50,000-point redemption value (after $15,000 spend) |
|
Global Assist Hotline
24/7 emergency assistance and coordination services available when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wire coordination, and missing luggage assistance. Cardmembers are responsible for costs charged by third-party service providers.
|
Travel | Complimentary access |
