Is the Marriott Bonvoy Bevy American Express Card worth $250/yr?
The honest math on the Marriott Bonvoy Bevy American Express Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $250 annual fee.
American Express · $250 annual fee · earns Marriott Bonvoy points
Earning rates
- 6x Marriott Bonvoy hotels
- 4x Restaurants worldwide (on the first $15,000/yr COMBINED with U.S. supermarket purchases, then 2x)
- 4x U.S. supermarkets (on the first $15,000/yr COMBINED with restaurant purchases, then 2x)
- 2x Everything else
Certificates (1)
- Free Night Award (up to 50,000 points) — One free night each calendar year, after $15,000 in eligible purchases on the card, at a Marriott property with a redemption level at or under 50,000 Marriott Bonvoy points.
Protections and perks (10)
- Marriott Bonvoy 1K Bonus Points Per Stay — 1,000 Marriott Bonvoy bonus points per eligible stay (one or more paid nights) booked directly with Marriott at a participating property, on top of normal earning.
- Marriott Bonvoy Gold Elite Status — Complimentary Marriott Bonvoy Gold Elite status for the Basic Card Member — 25% bonus points on hotel stays plus other Gold-tier perks.
- Elite Night Credits — 15 Elite Night Credits on account opening, then 15 more each subsequent calendar year (deposited by March 1) — progress toward Marriott status beyond the card's automatic Gold.
- American Express Venue Collection Concessions Credit — 10% back (up to $250/yr) in statement credits on food & beverage purchases at participating stadiums and arenas, through December 31, 2026.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
- Car Rental Loss and Damage Insurance — Secondary coverage for damage to or theft of a rental car, up to $75,000, when you pay for the entire rental with the card and decline the counter's collision damage waiver.
- Trip Delay Insurance — Up to $300 per trip for additional expenses when a round trip paid for entirely with the card is delayed more than 12 hours, maximum 2 claims per 12 months.
- Baggage Insurance Plan — Up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of the common carrier's own coverage, when lost, damaged, or stolen on a trip paid for entirely with the card.
- Purchase Protection — New purchases covered 90 days against accidental damage or theft, up to $10,000 per purchase and $50,000 per calendar year.
- Extended Warranty — Adds up to a year to eligible US manufacturer warranties of 5 years or less.
Card data verified against American Express on 2026-08-21.
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