Rewards card · American Express
Marriott Bonvoy American Express Card
American Express · Amex · rewards
Below is every rate the Marriott Bonvoy American Express Card earns, each one quoted from American Express's own terms with the clause and the date we checked it. The $120 annual fee is shown on its own, never subtracted from a rate.
5 pts
Top rate
2 pts
Base rate
$120
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for travel.
Everything it earns
every rate quoted from American Express's terms · annual fee shown separately, never netted5 pts
≈ 3% back
Travelverified Jul 2, 2026Read the clause
Verbatim clause from American Express's terms
“5X Points per $1 on eligible purchases at participating Marriott Bonvoy hotels.”
Cap No cap
Read the source terms2 pts
≈ 1.2% back
Everything elseverified Jul 2, 2026
The everyday earn outside any bonus category, no cap
Annual fee
Shown on its own, never subtracted from the rates above
$120
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from American Express's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
See what this card
would get you.
would get you.
Verdict scores this card against how you actually spend and gives you the yearly figure, after the fee. It runs in the app on your phone. No account, and your spending stays on your device.
Run the numbers
Scan to open it on your phone, or visit