| Category | Rate | Type | Cap |
|---|---|---|---|
|
Marriott Bonvoy Hotels
Earned on eligible purchases charged directly with hotels participating in Marriott Bonvoy, including standalone Marriott-branded retail establishments and Marriott-branded online stores owned or managed by Marriott International and its affiliates. Comprises 2 base points plus 4 additional points per dollar.
|
6x | Points | No cap |
|
Restaurants Worldwide
Earned on eligible purchases charged at restaurants worldwide. Comprises 2 base points plus 1 additional point per dollar. Purchases processed through third-party payment platforms may not qualify.
|
3x | Points | No cap |
|
Flights Booked Directly with Airlines
Earned on eligible airfare purchases charged directly with passenger airlines. Charter flights and private jet flights are excluded. Comprises 2 base points plus 1 additional point per dollar.
|
3x | Points | No cap |
|
All Other Eligible Purchases
Base earn rate applied to all eligible purchases not covered by a higher bonus category. 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 |
|---|---|---|
|
Annual Dining Statement Credit
Receive up to $25 per month in statement credits for eligible purchases made at restaurants worldwide, for a total of up to $300 per calendar year. Enrollment may be required.
|
Credits |
$25/month (up to $300/year)
Up to $300
|
|
Global Entry Application Fee Credit
Receive a $120 statement credit once every 4 years after applying for Global Entry and charging the application fee to your Card. Global Entry approval also includes TSA PreCheck at no additional charge.
|
Credits |
$120 every 4 years
Up to $120
|
|
TSA PreCheck Application Fee Credit
Receive a statement credit of up to $85 once every 4.5 years after applying for TSA PreCheck through a TSA official enrollment provider and charging the fee to your Card. Only one credit — either Global Entry or TSA PreCheck — may be received per eligible period.
|
Credits |
Up to $85 every 4.5 years
Up to $85
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on international purchases made with the Card anywhere in the world.
|
Financial | 0% foreign transaction fee |
|
Plan It — Pay Over Time Feature
Eligible purchases of a specified minimum amount may be split into equal monthly installments with a fixed monthly plan fee (up to 1.33% per month of the amount placed in a plan), instead of accruing standard purchase APR interest. Plan duration and eligibility are disclosed at time of plan creation.
|
Financial | Fixed monthly fee (up to 1.33%/month) |
|
Baggage Insurance Plan
Provides coverage for 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. 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 when the Card is used to reserve and pay for the entire rental and the CDW is declined at the counter. Not available in Australia, Italy, or New Zealand. No liability coverage included. Underwritten by AMEX Assurance Company.
|
Insurance | Secondary CDW coverage |
|
Cell Phone Protection
When your prior month's wireless bill is paid with the eligible Card, you may be reimbursed for the lesser of your repair or replacement cost for a damaged or stolen cell phone, up to $800 per claim, with a maximum of 2 approved claims per 12-month period. A $50 deductible applies per approved claim. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $800/claim (2 claims per 12 months)
Up to $800
|
|
Extended Warranty
Extends the terms of the original U.S. manufacturer's warranty by up to one additional year on covered purchases charged to the Card, applicable to warranties of 5 years or less. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to 1 additional year; up to $10,000 per item
Up to $10,000
|
|
Premium Car Rental Protection (Optional Enrollment)
An optional fee-based enrollment (approximately $12.25–$24.95 per rental period) that provides primary coverage for theft of or damage to a rental vehicle for the entire rental period (up to 42 consecutive days), plus excess medical coverage for injuries. No liability coverage included.
|
Insurance | Primary coverage (enrollment fee applies) |
|
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 Cancellation and Interruption Insurance
Reimburses non-refundable travel expenses if a covered trip is cancelled or interrupted due to a covered reason such as illness, severe weather, or other qualifying events, when the fare is charged to the eligible Card. Underwritten by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $10,000 per covered trip
Up to $10,000
|
|
Trip Delay Insurance
Provides reimbursement for reasonable expenses (meals, lodging, toiletries, etc.) incurred when a covered round-trip is delayed 6 or more hours or requires an overnight stay due to a covered reason, when the fare is charged to the eligible Card. Coverage is up to $500 per covered trip. Underwritten by New Hampshire Insurance Company, an AIG Company.
|
Insurance |
Up to $500 per covered trip
Up to $500
|
|
Concierge Service
Cardholders have access to a personal concierge service for assistance with restaurant reservations, event tickets, travel planning, and other lifestyle requests, available 24/7.
|
Lifestyle | Complimentary |
|
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 |
|
3X Points at Restaurants Worldwide
Earn 3 Marriott Bonvoy points per dollar on eligible purchases charged at restaurants worldwide.
|
Rewards | 3X Points |
|
3X Points on Flights Booked Directly with Airlines
Earn 3 Marriott Bonvoy points per dollar on eligible airfare purchases charged directly with passenger airlines (charter and private jet flights excluded).
|
Rewards | 3X Points |
|
6X Points at Marriott Bonvoy Hotels
Earn 6 Marriott Bonvoy points per dollar on eligible purchases charged directly with hotels participating in Marriott Bonvoy, including standalone Marriott branded retail establishments and Marriott branded online stores.
|
Rewards | 6X Points |
|
Fraud Protection and Dispute Resolution
American Express continuously monitors account activity for suspicious or unauthorized charges and will notify cardholders immediately if unusual activity is detected. Cardholders incur zero liability for unauthorized charges. American Express will work 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 |
|
Return Protection
If a merchant will not accept a return of an eligible item purchased with the Card within 90 days of purchase, American Express may refund the full purchase price (excluding shipping and handling), up to $300 per item and up to $1,000 per calendar year per Card account.
|
Shopping |
Up to $300 per item; up to $1,000/year
Up to $300
|
|
$100 Property Credit at Ritz-Carlton and St. Regis
Receive a $100 on-property credit for qualifying charges when booking a minimum two-night stay at participating Ritz-Carlton and St. Regis properties directly. Eligible charges may include dining, spa, or resort fees.
|
Travel |
$100 per qualifying stay
Up to $100
|
|
25 Elite Night Credits Per Year
Receive 25 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 | 25 Elite Nights/year |
|
Annual Free Night Award
Receive one Free Night Award each year after your Card renewal month, redeemable for one standard room at any Marriott Bonvoy participating hotel with a redemption level at or under 85,000 points. Certain resort fees may apply; award is valid for one year from issuance.
|
Travel | Up to 85,000-point redemption value |
|
Brilliant Earned Choice Award
Each calendar year after spending $60,000 on eligible purchases, the Basic Cardmember may select one Earned Choice Award benefit. Award options include a Free Night Award (up to 85,000 points redemption level) or a deposit of 50,000 Marriott Bonvoy bonus points, among other selections available at the choice-benefit portal.
|
Travel | One award per calendar year at $60,000 spend |
|
Complimentary Marriott Bonvoy Platinum Elite Status
Cardholders automatically receive Marriott Bonvoy Platinum Elite status, which includes room upgrades (including suite upgrades when available), welcome gift at check-in, 4:00 PM late checkout, lounge access and complimentary breakfast at select brands, and a 50% bonus points earning rate on eligible Marriott stays. Status is available to the Basic Cardmember only and is revoked if the account is cancelled.
|
Travel | Complimentary |
|
Premium Global Assist Hotline
24/7 emergency coordination and assistance services available when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wire coordination, missing luggage assistance, and emergency medical transportation assistance (if approved and coordinated by the hotline, medical transport may be provided at no cost). Cardmembers are responsible for costs charged by third-party service providers in other circumstances.
|
Travel | Complimentary access |
|
Priority Pass Select Lounge Access
Cardholders may enroll in Priority Pass Select to receive unlimited complimentary visits to over 1,200 airport lounges in more than 130 countries, regardless of the airline or class of travel. Enrollment required.
|
Travel | Complimentary (unlimited visits) |
