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- American Express Gold Card - Limited Time Offer 90,000 Points after spending $6000 in 6 months, $325/annual fee (with lots of perks to off-set the annual fee).
- American Express Marriott BonVoy Brilliant - Limited Time offer 185,000 Points after spending $6000 in 6 months, $650 annual fee ($300 Dining credit - $25/month towards restaurants).
- Amex Bonvoy Brilliant - Earn 185,000 points after spending $6000 in 6 months, $650 annual fee.
- Amex Bonvoy Bevy - Earn 155,000 points after spending $5000 in 6 months, $250 annual fee.
- Amex Hilton Honors Surpass - Earn 155,000 points after spending $3000 in 6 months, $150 annual fee.
- Amex Hilton Honors Aspire - Earn 175,000 points after spending $6000 in 6 months, $550 annual fee.
- Amex Hilton Honors - Earn 100,000 points after spending $2000 in 6 months, $0 annual fee.
- Wyndham Rewards Earner - 75,000 points after spending $2000 in 6 months, $0 annual fee.
- Wyndham Rewards Earner + - 100,000 points after spending $2000 in 6 months, $75 annual fee.
- Wyndham Rewards Business - 50,000 points after spending $4000 in 3 months + 50,000 points after spending $15,000 in 12 months, $95 annual fee.
- Marriott Bonvoy Brilliant Card - 2 Free Night Awards at 85,000 Points hotels after spending $6000 in 6 months, $650 annual fee.
- Marriott Bonvoy Bevy Card - 125,000 Bonus Points after spending $5000 in 6 months, $250 annual fee.
- Amex Green Card Limited time offer - Get 60,000 Points after spending $3000 in 6 months + 20% Back on eligible purchases during the first 6 months.
- Southwest Personal Card - Offering 50,000 Points after spending $1000 in 3 months, $69 annual fee.
- Amex Marriott BonVoy Limited time offer - Get 175,000 Points after spending $5000 in 6 months, $250 annual fee.
- Amex Marriott BonVoy Brilliant Limited time offer - Get 200,000 Points after spending $6000 in 6 months, $650 annual fee.
- Chase Marriott BonVoy Boundless Limited time offer - Get 125,000 Points after spending $3000 in 6 months + 50,000 Points after you stay 6 eligible paid nights at participating hotels through 1/31/24, $95 annual fee.
- Chase BonVoy Bold Limited time offer - Get 100,000 Points after spending $1000 in 6 months + 50,000 Points after you stay 6 eligible paid nights at participating hotels through 1/31/24, NO annual fee.
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 95,000 | $6,000 | 0.6 ¢ | $175 | $650 | $131 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Marriott stays & transfer top-offs | $300 Statement Credit on Marriott purchases, free night annually | Amex 4 Credit , Bonvoy 1/24 , Amex 3/90 , No 5/24 , Amex 1/10 |
3X points
1.8¢ Per Dollar Spent
2X points
1.2¢ Per Dollar Spent
6X points
3.6¢ Per Dollar Spent
3X points
1.8¢ Per Dollar Spent
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Marriott Bonvoy Outside Point System
3:1 67% value retained
3:1 72% value retained
3:1 83% value retained
3:1 56% value retained
3:1 61% value retained
3:1 67% value retained
3:1 67% value retained
3:1 67% value retained
3:1 72% value retained
3:1 44% value retained
3:1 72% value retained
3:1 72% value retained
3:1 67% value retained
3:1.1 92% value retained
3:1 83% value retained
1:1 43% value retained
1:1 38% value retained
Surprisingly Worth $450
This new Marriott Bonvoy Card takes it up a notch with its annual reward night being valued at 50,000 points, complimentary Gold Elite Status, and Priority Pass membership with guesting privileges. But let's address that $450 elephant in the room that takes the form of an annual fee. Yeah, that’s a lot of money. But utilize your Global Entry / TSA credit of $100, your $300 statement credit for purchases at Marriott, your annual 50,000-point reward night — and your unlimited Priority Pass lounge visits ... and that annual fee more than pays for itself.
Check out our Marriott Bonvoy page for more details on how to best use Bonvoy Points.
One of the main reasons this is a luxury card is because of the annual free night of up to 50,000 points (around $350). So if you're confident you can take advantage of that $300 statement credit, plus the free night — and you lean more toward luxury hotels, this is the card for you.
Amex will decline your application if you already have 4 credit cards (not charge) and apply for a fifth
You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months
You'll be declined if you apply for a fourth Amex card in 90 days
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)
Below is a snapshot of where this card performs best compared to the other cards in our database:
- American Express Gold Card - Limited Time Offer 90,000 Points after spending $6000 in 6 months, $325/annual fee (with lots of perks to off-set the annual fee).
- American Express Marriott BonVoy Brilliant - Limited Time offer 185,000 Points after spending $6000 in 6 months, $650 annual fee ($300 Dining credit - $25/month towards restaurants).
- Amex Bonvoy Brilliant - Earn 185,000 points after spending $6000 in 6 months, $650 annual fee.
- Amex Bonvoy Bevy - Earn 155,000 points after spending $5000 in 6 months, $250 annual fee.
- Amex Hilton Honors Surpass - Earn 155,000 points after spending $3000 in 6 months, $150 annual fee.
- Amex Hilton Honors Aspire - Earn 175,000 points after spending $6000 in 6 months, $550 annual fee.
- Amex Hilton Honors - Earn 100,000 points after spending $2000 in 6 months, $0 annual fee.
- Wyndham Rewards Earner - 75,000 points after spending $2000 in 6 months, $0 annual fee.
- Wyndham Rewards Earner + - 100,000 points after spending $2000 in 6 months, $75 annual fee.
- Wyndham Rewards Business - 50,000 points after spending $4000 in 3 months + 50,000 points after spending $15,000 in 12 months, $95 annual fee.
- Marriott Bonvoy Brilliant Card - 2 Free Night Awards at 85,000 Points hotels after spending $6000 in 6 months, $650 annual fee.
- Marriott Bonvoy Bevy Card - 125,000 Bonus Points after spending $5000 in 6 months, $250 annual fee.
- Amex Green Card Limited time offer - Get 60,000 Points after spending $3000 in 6 months + 20% Back on eligible purchases during the first 6 months.
- Southwest Personal Card - Offering 50,000 Points after spending $1000 in 3 months, $69 annual fee.
- Amex Marriott BonVoy Limited time offer - Get 175,000 Points after spending $5000 in 6 months, $250 annual fee.
- Amex Marriott BonVoy Brilliant Limited time offer - Get 200,000 Points after spending $6000 in 6 months, $650 annual fee.
- Chase Marriott BonVoy Boundless Limited time offer - Get 125,000 Points after spending $3000 in 6 months + 50,000 Points after you stay 6 eligible paid nights at participating hotels through 1/31/24, $95 annual fee.
- Chase BonVoy Bold Limited time offer - Get 100,000 Points after spending $1000 in 6 months + 50,000 Points after you stay 6 eligible paid nights at participating hotels through 1/31/24, NO annual fee.
