Why should you get the Marriott Bonvoy American Express credit card?
Today, in our ‘Top 10 Reasons’ series, I want to look at the top 10 reasons to apply for a Marriott Bonvoy American Express (Marriott Amex) credit card.
If you want to check your credit record before applying for a new card, click here to get your free Experian Credit Score.
The Marriott Amex earns points in Marriott Bonvoy, the loyalty scheme which covers 30 hotel brands including Marriott, Renaissance, Sheraton, Westin, W, Aloft, Luxury Collection etc.
The serious legal stuff about the Marriott Bonvoy Amex credit card:
You can apply here: Marriott Bonvoy American Express application form
What does it cost? £75 annual fee
What is the interest rate? The representative APR is 38.8% variable, including the annual fee, based on a notional £1,200 credit limit. The interest rate on purchases is 22.2% variable.
The top 10 reasons to get the Marriott Bonvoy American Express credit card:
1. There is a generous sign-up bonus of 20,000 Marriott Bonvoy points
You will receive 20,000 Marriott Bonvoy points when you sign up and spend £3,000 within the first three months.
You qualify for the bonus if you have not had a personal American Express card (excluding any Lloyds Bank or MBNA cards) in the past 24 months. Even if you do not quality for the bonus, you can still apply.
Marriott Bonvoy is the loyalty scheme for AC Hotels, Aloft, Autograph, Courtyard, Delta Hotels, Design Hotels, Edition, Element, Fairfield Inn, Four Points, Gaylord, Le Meridien, Marriott, Moxy, Protea, Renaissance, Residence Inn, St Regis, Sheraton, The Luxury Collection, The Ritz-Carlton, Springhill Suites, Towneplace Suites, W and Westin.
2. You receive two Marriott Bonvoy points for every £1 you spend on the card
There are a few exceptions (cash withdrawals do not earn points) but in reality virtually every £1 you spend will earn two Marriott Bonvoy points.
3. You earn TRIPLE points at Marriott Bonvoy hotels
You will receive triple points – six per £1 – when you use the card to pay for your stay at a Marriott Bonvoy hotel. The card has a 3% foreign exchange fee, however, so I would not necessarily use it outside the UK to pay for hotel stays unless your employer is paying you back.
4. You receive Silver Elite status in Marriott Bonvoy
You get Silver Elite status in Marriott Bonvoy for as long as you hold the card. To be honest, this has few real benefits except for a 10% bonus on base points earned from Marriott hotel stays.
5. You receive Gold Elite status in Marriott Bonvoy for spending £15,000 in a card year
This is a decent step up from Silver, but does not have many concrete benefits. It does not get you free breakfast or lounge access, for example.
6. You receive a voucher for a free hotel night for spending £25,000 in a card year
This is valid for any hotel costing up to 25,000 Marriott Bonvoy points per night. This would typically get you a hotel costing around £100 on an average night.
7. This card is also a great way of earning airline miles
Marriott Bonvoy lets you transfer your points to 40+ different airlines. For many of these airlines, such as Air Canada Aeroplan or Emirates, this credit card is the only way for a UK resident to collect in that programme from their day to day spending.
Marriott Bonvoy points transfer at 3:1 into airline miles. You get a 5,000 mile bonus for transferring 60,000 points, which works out at 25,000 miles.
8. There is no minimum income requirement
American Express no longer has a minimum income requirement for its cards.
9. American Express runs regular generous cashback offers
Once your account is up and running, you will receive generous cashback deals from Amex. These are typically on the lines of ‘Get a £10 statement credit when you spend £50 at Tesco’.
It is relatively easy to save over £100 per year with these offers.
10. American Express has excellent customer service including a UK call centre, and a well-designed app
You can monitor you balance and make a payment via debit card in the app at any time. The core business of American Express is credit cards, and they know how to run them properly.
The Marriott Bonvoy American Express credit card is a decent card for the first year, with a good sign-up bonus and 2 Marriott Bonvoy points per £1 spent. The triple points offer at Marriott hotels is even better. After the first year, however, you should look at how much you are spending on the card and ensure that the rewards justify the fee.
You can sign up for the Marriott Amex credit card on the official website here.
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.