Our illustration in the card’s colours, not its design
American Express credit card
Marriott Bonvoy Bevy® American Express® Card
$250 a year. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“Annual Fee $250”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Cardmember agreement · Filed 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 transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$80 | −$80 | |
| Typical spender | $160 | $160 | |
| Heavy spender | $630 | $630 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢.
−$80a year
The same in the first year and after.
Rewards and credits$170
−$80 after the fee−$250 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢.
$160a year
The same in the first year and after.
Rewards and credits$410
You keep $160−$250 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢.
$630a year
The same in the first year and after.
Rewards and credits$880
You keep $630−$250 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 60% of the 732 cards we track.
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+$255 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Marriott Bonvoy
How you earn
- 6×
- Hotels participating in Marriott Bonvoy
- 4×
- Restaurants worldwideSupermarkets located in the United States
- 2×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Complimentary Marriott Bonvoy Gold Elite status (Complimentary status enables the 25% Bonus Points on Stays benefit: earn up to 2.5X points on eligible hotel purchases. Duration not stated.)
- Complimentary Marriott Bonvoy Gold Elite status
- 15 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status
- Earn 1,000 Marriott Bonvoy bonus points per paid eligible stay booked directly with Marriott for participating Marriott Bonvoy properties.
- With Gold Elite status, earn up to 2.5X points from Marriott Bonvoy on eligible hotel purchases with the 25% Bonus Points on Stays benefit.
All 16 benefits
- Earn 1 Free Night Award after spending $15,000 on eligible purchases in a calendar year; the award is for one night at a participating hotel at a redemption level at or under 50,000 Marriott Bonvoy points. Certain hotels have resort fees.
- No foreign transaction fees.
- Access to Amex Presale Tickets and Amex Reserved Tickets for select events, while supplies last.
- Global Assist Hotline access for Card Members traveling more than 100 miles from home; Card Members are responsible for third-party provider costs.
- Access to available Amex Offers, which can be added to the eligible Card to earn extra rewards on qualifying purchases at select brands.
- 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
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Annual Fee $250” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
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