The Marriott Bonvoy American Express Card is for those who frequent Marriott properties, offering a generous reward of 5 points per dollar spent at participating Marriott properties. It also gives you special access and complimentary stays at participating Marriott Bonvoy locations, as well as the ability to earn 2 points per dollar on all other card purchases. With this card you will be offered an annual free night’s stay at participating Marriott locations, at a maximum redemption value of 35,000 points, as well as a bonus of 60,000 Marriott Bonvoy points when you charge $1,500 to the card in your first 3 months of card membership, as well as multiple other benefits which can be used at Marriott properties. Although you may transfer your Marriott Bonvoy points to an array of airline loyalty programs, it is at a ratio of 3 to 1. The card does not offer travel medical insurance, despite offering many other types of insurance coverage, and comes with a $120 annual fee. If you’re a frequent Marriott customer, this card could be very beneficial to you, especially when considering the annual free night’s stay!  If not, you may want to consider a card with less a less restrictive rewards system.

As per our rating system, this card scored 19/25 on rewards, 16/25 on interest rates and balance transfers, 19/25 on perks and insurance, and 21/25 on annual fees. Therefore, the total smart score of this card is 75/100.