Marriott Bonvoy Card (N/A) | Card Review & Point Calculator

Marriott Bonvoy American Express Card

Card Review & Marriott Point Calcuator
6x Marriott Hotels
2x Everything Else
Silver Elite Status
Free Night
15 Elite Night Credits

Review the benefits of the Marriott Bonvoy Card and calculate how many Marriott Bonvoy Points you can earn based on your monthly/yearly spend.


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The Marriott Bonvoy American Express Card, previously known as the American Express Starwood Preferred Guest (SPG) Credit Card, is a Marriott Bonvoy Points earning card offered by American Express. This card is no longer available for sign up as of February 13th, 2019. The Marriott Bonvoy Boundless Card is now the primary personal card for earning Marriott Bonvoy Points. The Marriott Bonvoy American Express Card mirrors the perks of the Marriott Bonvoy Boundless Card.

Bonus Categories

The Marriott Bonvoy Card only features one bonus category and that is for spending on Marriott properties. There is no limit to the amount of bonus points you can earn spending in this category and there is no limit to the amount of points you can earn spending on the card. Below are the details on the earning structure of the Marriott Bonvoy Card.

6x Marriott Properties

The Marriott Bonvoy Card earns 6 Marriott Bonvoy Points per $1 spent on Marriott properties. If you're familiar with the old earning rate of Starpoints, this rate technically has not changed since one Starpoint was equal to 3 Marriott Bonvoy Points. This bonus category still provide a solid return of about 4.2% since Marriott Points are valued at an average of 0.7 cents each. It's worth noting that all of the Marriott Credit Cards in the updated line up earn the same rate of 6 points per $1 spent on Marriott properties.

2x Non-Category

Using the Marriott Bonvoy Card on purchases not under the Marriott umbrella will result in earning 2 Marriott Bonvoy Points per $1 spent. This is miniature return of 1.4% at a rate of 0.7 cents per Marriott point. This is a decrease from the old earnings equal to three Marriott Bonvoy Points. Since non of the Marriott line up offers a good return on non-category purchases, I would recommend earning points with Chase's Ultimate Rewards Program or AMEX's Membership Rewards Program and then transferring those points over to the Marriott program at a 1:1 ratio. This gives you about 17 additional credit cards to work with. Chase features cards that dabble specifically in travel and dining, while AMEX focuses on grocery, gas stations, restaurants, and airfare.

Perks and Benefits

Free Award Nights

Marriott Bonvoy Card holders will receive an Annual Free Night Award for any hotel that costs up to 35,000 Marriott Bonvoy Points. That includes up to category 5 hotels under both the standard and off-peak rate and up to category 4 hotels at peak rates. These free nights can be stacked with the annual nights earned from holding other Marriott credit cards. 35,000 Marriott Bonvoy Points is worth about $245 using the value of 0.7 cents each so that's the sweet spot if you want a good redemption. Looking at a few big cities (San Fran, Atlanta, etc.), Category 5 hotels range from as low as $150 a night to as high as $602 a night (and it had availability!) meaning these points can go far if you use them right!

The only two cards in the lineup that has a better Free Night Award is the now unobtainable Ritz-Carlton Credit Card and the recently new Marriott Bonvoy Brilliant Card. Both of these premium cards earn a free night that costs up to 50,000 Marriott Bonvoy Points along with several elite travel perks.

Marriott Elite Status

The Marriott Bonvoy Card grants complimentary Marriott Silver Elite Status due to the 15 Marriott Elite Night Credits it provides. Silver comes with a 10% Marriott Bonvoy Points bonus, priority late checkout, and a dedicated elite reservation line. These credits do not stack with the credits offered on the other Marriott credit cards. You can also run $30,000 spend through the Marriott Bonvoy Card to earn Marriott Gold Elite Status which bumps up the point bonus to 25% along with providing perks such as room upgrades, late checkout, and more.

Sign Up Bonus

The Marriott Bonvoy Card is no longer available for sign up. As the Starwood Preferred Guest Card, the sign up bonus was around 75,000 Marriott Bonvoy Points until the program changed over to Bonvoy from Marriott Bonvoy. Prior to it merging with Marriott, it offered around 30,000 to 35,000 Starpoints which were worth around 2.1 cents each for total value of $630+

Marriott Bonvoy Rewards Chart.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Marriott Bonvoy Card annual fee is $0 the first year, then $95. This card is identical to the Marriott Bonvoy Boundless Card with the exception that the first year annual fee was waived.

Authorized User Fee

The Marriott Bonvoy Card has a $0 authorized user fee.

Foreign Transaction Fee

There is a 0% foreign transaction fee for the Marriott Bonvoy Card. This means you can use the card overseas without penalty.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-08-15
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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