American ExpressFX: 2.5%Hotel RewardsFree Night
American Express
Amex Marriott Personal
Marriott Bonvoy
First Year Bonus
~$475
Welcome Bonus
55,000 pts
Annual Fee
$120
Spend Required
$3,000
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if Amex Marriott Personal runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
5x
Marriott
2x
everywhere else
Points value: ~0.9¢/pt for hotel stays
Transfer partners
Marriott Bonvoy (direct earn)
Transfer to 40+ airline programs
Lounge access
No lounge access
Additional perks
- ✓1 free night award annually (up to 35,000 pts)
- ✓Marriott Silver Elite status
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkAmerican Express
Annual fee$120
Foreign fee2.5%
Income req.None stated
ProgramMarriott Bonvoy
