In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews
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Marriott Bonvoy American Express Card (formerly Starwood Preferred Guest) 2024 review

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The Marriott Bonvoy American Express Card
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).
Earn rate (at select partners)
6 points per £1 spent
Earn rate (elsewhere)
2 points per £1 spent
Intro bonus
Up to 60,000 points

Our verdict

You could earn loyalty points on your day-to-day spending to redeem at Marriott hotels around the globe - great for frequent travellers.
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Finder Awards 2024 highly commended
Customer Satisfaction Award

Marriott Bonvoy is the loyalty programme for Marriott International's rather mind-boggling 30+ hotel brands. These include Marriott, Sheraton, Westin, Delta and W hotels. You earn points for each stay which you can redeem for a wide selection of benefits. Like air miles programmes, you can use a mixture of points and cash when spending with the scheme. Also like air miles programmes, you can reach silver and gold tiers if you use the brand frequently.

For those who want to earn points even faster, this collaboration with American Express lets you collect points on your day-to-day spending too.

As of February 2020 the card has been overhauled in-line with the merging of the Starwood and Marriott loyalty programmes early last year has a new addition of 15 Elite Night Credits on sign-up. So what does that actually mean? Not 15 free stays, I'm afraid, but it means you enjoy the same benefits as you would if you had stayed 15 nights at Marriott properties. Having 15 Elite Night credits automatically gets you Silver Elite status, which comes with a raft of benefits including member rates, late check-out and free wi-fi.

The Marriott Bonvoy app can be used to check in and out, and – get this – you can then use your phone as your room key.

To keep you interested after claiming that welcome bonus, there are ongoing bonuses related to the amount you spend on the card annually. For example, you'll enjoy "Gold Elite status" (which means perks like complimentary room upgrades, late checkout, enhanced in-room internet access) if you spend £15,000 on eligible purchases a calendar year. Spending £25,000 could bag you a free hotel stay. And don't forget you can transfer your points to over 40 major airline frequent flyer programmes.

If you're a regular guest at these hotels, try to work out whether the annual fee would be worth shouldering, by looking at how much you'd realistically spend on the card and what that would translate to in rewards.

Existing cardholders will get their hands on the fancy new-look card when their current one expires.


  • Earn points on purchases
  • Earn 60,000 Marriott Bonvoy® points
  • Free Travel Inconvenience Insurance


  • £95 annual account fee
  • A relatively high interest rate on purchases
  • Applicants with low credit scores are unlikely to be eligible

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews

As of February 2020 Amex has updated this card to reflect the merging of the Starwood (SPG) and Marriott loyalty programmes in 2019. If you like to travel in style, then you can still earn tailored rewards while you spend with this specialised offer.


Product overview

Issuer American Express
Network Amex
Representative APR 54.8% APR (variable)
Annual/monthly fees £95 per annum
Loyalty scheme Points
Incentive Earn 60,000 bonus Marriott Bonvoy® points when you spend £3,000 in the first 3 months of Cardmembership. Offer ends 3 July 2024. 18+, subject to status. Terms apply.
Incentive on opening Earn 60,000 bonus Marriott Bonvoy® points when you spend £3,000 in the first 3 months of Cardmembership. Offer ends 3 July 2024. 18+, subject to status. Terms apply.
Additional Rewards Info Automatic upgrade to Gold when you spend £15,000 in purchases on you card each year.
Purchases 31%
Purchases interest-free period (days) 56
Balance transfers 31%
Potential costs 3.0 ★★★★★
Doing its job 4.0 ★★★★★
Extras 4.5 ★★★★★
Overall Finder Score 4.0 ★★★★★

Fees and charges

Minimum monthly payment 2% or £25 (whichever is greater) or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.
Annual/monthly fees £95 per annum
Balance transfer fee 3%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 3% (min. £3)
Late payment fee £12
Replacement card fee £0
Duplicate statement fee £2
Exceeding limit fee £0
Additional card fee £0
Dormancy fee £0

Application requirements

Minimum Age 18
Residency UK resident and has a UK bank or building society account.
Availability Available to new customers

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through American Express's app by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for The Marriott Bonvoy American Express Card. This won't impact your credit score. If it's good news, you can then proceed to American Express's online application, which takes 10–15 minutes to complete.

The bottom line

Following an overhaul in early 2020, the Marriott Bonvoy American Express credit card now offers a flexible rewards scheme for those who like to stay at Marriott International’s extensive range of hotels. While the welcome points bonus has been reduced, you’ll automatically get upgraded to Silver Elite status, which offers a range of hotel-specific perks.

However, this card might not be the best choice if you’re likely to carry an outstanding balance from month to month – you’d be likely to pay a lot more in fees and interest than you’d earn in rewards. But if you’d use the card a fair bit and generally do clear your balance in full each month, this card undoubtedly offers handsome rewards for Marriott devotees.

Frequently asked questions

What credit limit will I get with The Marriott Bonvoy American Express Card?

If American Express offers you this deal, it will specify a personalised credit limit based on American Express's assessment of your situation. The minimum limit offered on this card is £700, and American Express does not specify a maximum. Once you've had the card for a while and shown American Express you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using The Marriott Bonvoy American Express Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on The Marriott Bonvoy American Express Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 38.3% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use The Marriott Bonvoy American Express Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£169.19), it'll cost you around £5.06 in fees.

Can I request an additional The Marriott Bonvoy American Express Card?

Yes, you can request one more. There's no fee for additional cards. Plus, with additional cards, you could earn points at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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