Marriott Bonvoy Bevy® American Express® Card
$250 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $250”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$80 | −$80 |
| Typical spender | $160 | $160 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 0.5¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Marriott Bonvoy
- 6× pointsHotels participating in Marriott Bonvoy
- 4× pointsRestaurants worldwide
- 4× pointsU.S. Supermarkets
- 2× pointsEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $250” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Complimentary Marriott Bonvoy Gold Elite status, including the 25% Bonus Points on Stays benefit and up to 2.5X points from Marriott Bonvoy on eligible hotel purchases.
- Earn 1,000 Marriott Bonvoy bonus points per paid eligible stay booked directly with Marriott for participating properties.
- Receive 15 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status.
- Earn one Free Night Award after spending $15,000 on eligible purchases in a calendar year; the award can be used for one night at a participating hotel at a redemption level of 50,000 Marriott Bonvoy points or less.
- Redeem points for free nights at participating Marriott Bonvoy hotels, flights or car rentals with Air+Car, or travel program rewards with airline partners.
- No foreign transaction fees.
- Access to Amex Offers for extra rewards on qualifying purchases at select brands.
- Access to Amex Presale Tickets and Amex Reserved Tickets for select events.
- Global Assist Hotline access 24/7 for Card Members traveling more than 100 miles from home; third-party provider costs are the Card Member's responsibility.
- Rental car
- Emergency assistance
- Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, a $10,000 aggregate maximum limit for all covered persons per covered trip.
- Trip delay: Up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
- Purchase protection: Up to $10,000 per covered purchase, up to $50,000 per calendar year
- Extended warranty: Up to one extra year
Questions
- What is the annual fee?
- $250 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other points cards with fees up to $300
- WealthRegions · $125 a year+$465 a year
- Hilton Honors American Express SurpassAmerican Express · $150 a year+$340 a year
- Business Essentials PlusUS Bank · $295 a year+$145 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).