Maximise your Avios, air miles and hotel points

American Express is cutting the sign-up bonus on the new Marriott Bonvoy Amex credit card

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On Tuesday we covered the unveiling of the Marriott Bonvoy American Express card.

Unfortunately this is not a brand new product.  It is a rebranding of the existing Starwood Preferred Guest American Express card, with a few tweeks.

From 26th February:

The name of the card will be changed to the Marriott Bonvoy American Express card

The earning rate will be slashed by 33%, from 3 Marriott Bonvoy points per £1 to 2 Marriott Bonvoy points per £1

The earning rate at Marriott Bonvoy hotels will remain 6 Marriott Bonvoy points per £1

Instead of giving all cardholders Silver Elite status, you will receive 15 elite night credits per year.  This will trigger Silver Elite status anyway, but also means that you are 15 nights closer to Gold Elite, Platinum Elite or Titanium Elite status.  This is a genuine improvement.

The annual fee remains at £75

Here is the new design:

Marriott Bonvoy American Express card

What we didn’t know is what would happen to the sign-up bonus.  Business Traveller has received a briefing from Marriott on this which, whilst it has not been verified by American Express, we can safely assume is accurate.

This is what happens on 26th February:

The sign-up bonus is cut from 30,000 Marriott Bonvoy points to 20,000 points

The qualifying spend required to hit the bonus increases from £1,000 in 90 days to £3,000 in 90 days

This is rubbish, to put it mildly.  Add in the 33% cut in the earning rate per £1 and the refusal to cut the £75 annual fee and the package does not look good.

There was one other nugget of information in the Business Traveller article:

You will receive your 15 nights elite credit in April 2020, and thereafter in January

How does the Marriott Bonvoy American Express compare?

Whilst weaker than it was, the new card is on a par in some ways with American Express Preferred Rewards Gold when you get beyond the first year:

First year:

Amex Gold – no fee, 10000 Membership Rewards points bonus for spending £3000 in 90 days, points transfer to 15000 Bonvoy points or to many other airline and hotel schemes, two free airport passes

Bonvoy Amex – £75 fee, 20000 Bonvoy points bonus for spending £3000 in 90 days, Silver Elite status in Marriott Bonvoy

Amex Gold is the winner here.

Second and subsequent years:

Amex Gold – £140 fee, 1 Membership Rewards point per £1 spent (worth 1.5 Bonvoy points or transfer to other airline or hotel schemes), double points on airline spend, 10000 bonus points (worth 15,000 Bonvoy points) for spending £15000, two additional airport lounge passes

Bonvoy Amex – £75 fee, 2 Bonvoy points per £1 spent, 6 points per £1 spent at Marriott hotels, Gold Elite status for spending £15000, a free night worth 25,000 Bonvoy points (circa 3-star level) for spending £25000

The Marriott Bonvoy Amex probably edges it here.  In reality, however, you may do better cancelling both cards after the first year and moving onto, say, the American Express Rewards Credit Card (below) which is free for life and earns 1 Membership Rewards point per £1.

American Express Rewards Credit Card

But does it really matter?

In truth, the cut in the sign-up bonus won’t impact many Head for Points readers.

It is VERY tricky to qualify for the bonus.  You need to have had NO personal American Express cards, of any sort (except supplementary cards or Lloyds / MBNA cards) in the past 24 months.  There are not many readers who can manage that.

Oddly enough, I will keep recommending the Bonvoy card to some people.  The best way to maximise your American Express bonuses under the current rules remains:

1st card – SPG Amex / Bonvoy Amex

2nd card – The Platinum Card or British Airways Premium Plus

3rd card – The Platinum Card or British Airways Premium Plus

If you apply in this order you will receive three bonuses if you have had no personal Amex cards in the last two years.  My full article outlining how the sign-up bonus rules now work is here.

Marriott Bonvoy American Express card


Want to earn more points from credit cards? – January 2021 update

If you are looking to apply for a new credit or charge card, here are our January 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these:

American Express Business Gold card

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (105)

  • Daniel says:

    Already hold the Creation Marriott UK Mastercard – which gives 10 elite nights credit.

    If I take out this card too, will I receive a total of 25 elite night credits ?