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    The best Marriott Bonvoy credit cards of 2022

    The best Marriott Bonvoy credit cards of 2022

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    Updated

    2022-02-11T23:18:03Z

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    Marriott credit card Editor’s rating Best for Intro bonus Learn more

    American Express Marriott Bonvoy Brilliant™ American Express® Card


    Marriott Bonvoy Brilliant™ American Express® Card


    A five pointed star

    4.3 /5

    Luxury benefits

    Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership


    Apply Now


    Rates & Fees

    Chase Marriott Bonvoy Boundless® Credit Card


    Marriott Bonvoy Boundless® Credit Card


    A five pointed star

    4.59 /5

    Occasional Marriott guests

    100,000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening


    Apply Now

    American Express Marriott Bonvoy Business™ American Express® Card


    Marriott Bonvoy Business™ American Express® Card


    A five pointed star

    4.5 /5

    Small-business travelers

    Earn 75,000 bonus points after using your card to make $3,000 in eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card in the first 3 months of card membership


    Apply Now


    Rates & Fees

    Chase Marriott Bonvoy Bold® Credit Card


    Marriott Bonvoy Bold® Credit Card


    A five pointed star

    4.2 /5

    No annual fee

    50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening


    Apply Now

    American Express The Platinum Card® from American Express


    The Platinum Card® from American Express


    A five pointed star

    4.75 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Elite status

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


    Apply Now


    Rates & Fees

    Chase Chase Sapphire Preferred® Card


    Chase Sapphire Preferred® Card


    A five pointed star

    4.8 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    If you want multiple options for redeeming rewards

    60,000 points

    A tooltip

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


    Apply Now

    Chase Chase Sapphire Reserve®


    Chase Sapphire Reserve®


    A five pointed star

    4.65 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Flexibility and premium perks

    50,000 points

    A tooltip

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


    Apply Now

    The best Marriott credit cards of 2022

    Marriott is the largest hotel company in the world, with more than 7,000 properties across 30 brands in 131 countries and territories. Thanks to its merger with Starwood a few years back, it’s now easier than ever to find a hotel where you can redeem Marriott points, no matter where you’re traveling. 

    Read more: How to earn, redeem, and maximize Marriott Bonvoy points

    If Marriott Bonvoy is your hotel program of choice, it can make sense to have a co-branded Marriott card to enjoy perks like bonus points, complimentary elite status, free reward nights, elite night credits, and more. There are Marriott co-branded cards at various price points, from a no-annual-fee option to a $450-a-year premium card (See Rates) with annual statement credits.

    Several Marriott credit cards even offer a free night on your account anniversary, with a value ranging from 35,000 to 50,000 points, depending on the card. 

    Here’s an in-depth look at the Marriott credit cards that are currently available to new applicants. 

    Best for luxury benefits during Marriott stays: Marriott Bonvoy Brilliant™ American Express® Card

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Annual statement credits can save you money on Marriott stays
    • You get a free reward night each year after your account anniversary
    Cons
    • High annual fee
    • Other cards are more rewarding for earning points on your spending
    • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
    • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
    • No Foreign Transaction Fees.
    • $450 Annual Fee.
    • Terms Apply.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    If you know you’ll spend at least $300 with Marriott each year, the Marriott Bonvoy Brilliant™ American Express® Card is definitely worth a look. It offers up to $300 in statement credits each year to use at hotels participating in the Marriott Bonvoy program — and this applies to room rates as well as incidentals like room service.

    This can effectively reduce the annual fee to $150, and keep in mind that the Bonvoy Brilliant gets you a free night award each year for properties that cost up to 50,000 points — this can easily get you more than $150 in value.

    Read more: Amex Marriott Bonvoy Brilliant card review 

    If you have other premium credit cards that also offer benefits like Priority Pass airport lounge access and a Global Entry application fee credit, the Marriott Bonvoy Brilliant™ American Express® Card really only stands out for its high-end Marriott benefits. But if you frequently stay at Marriott hotels, you’ll find those perks to be very useful for saving money and enjoying elite status perks.

    Best for occasional Marriott guests: Marriott Bonvoy Boundless® Credit Card

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    100,000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening

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  • Pros & Cons
  • Details

  • Pros
    • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
    Cons
    • The only lucrative bonus category is participating Marriott Bonvoy hotels
    • Upgrading to Gold status requires spending $35,000 on the card in an account year,
    • For a Limited Time Only! Earn 100,000 Bonus Points
    • New Benefit! Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
    • New Benefit! Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
    • 2X Bonvoy points for every $1 spent on all other purchases.
    • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
    • No foreign transaction fees.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    If you want to book your next Marriott stay on points and enjoy a few extras but don’t stay at Marriotts enough to warrant paying $450 a year for the Marriott Bonvoy Brilliant™ American Express® Card, the Marriott Bonvoy Boundless® Credit Card is a great option. 

    Cardholders receive a free night certificate, valid at hotels that cost 35,000 points or less, each year on their card anniversary — which can be worth much more than the card’s $95 annual fee. 

    Read more: Marriott Bonvoy Boundless credit card review

    The card offers low-level Silver status with Marriott, and if you spend $35,000 on the card in a calendar year, you’ll be upgraded to Gold status. (You can also get Gold status as a complimentary benefit with The Platinum Card® from American Express
    .)

    The Marriott Bonvoy Boundless card recently got a refresh, adding new bonus categories and the ability to earn one elite night credit for every $5,000 spent on the card. 

    Best for business travelers who prefer Marriott: Marriott Bonvoy Business™ American Express® Card

    Regular APR

    15.74% – 24.74%

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 75,000 bonus points after using your card to make $3,000 in eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card in the first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Comes with a free night reward every year after your account anniversary
    • Earns 4x points on several bonus spending categories, including U.S. purchases for shipping and U.S. restaurants
    Cons
    • The complimentary Silver elite status isn’t very valuable
    • Not the best option for earning rewards on non-bonus category purchases
    • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
    • 6x points at hotels participating in the Marriott Bonvoy™ program.
    • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
    • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
    • Terms apply.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    If you travel for work and want to maximize your business purchases to earn Marriott points, the Marriott Bonvoy Business™ American Express® Card is a good option. It’s currently offering a great welcome bonus: Earn 75,000 bonus points after using your card to make $3,000 in eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card in the first 3 months of card membership.

    Read more: Amex Marriott Bonvoy Business card review

    It offers helpful perks like complimentary Silver elite status and an annual free night award valid at hotels that cost up to 35,000 points. It also earns 4 Marriott points per dollar on a handful of business spending categories, like U.S. shipping purchases.

    The Marriott Bonvoy Business Amex Card rewards high spenders with a second free night award each year after their account anniversary when they spend $60,000 or more in a calendar year. There’s also the opportunity to spend your way to Gold status — you’ll get the bump after spending at least $35,000 in purchases in a calendar year.

    Best Marriott card with no annual fee: Marriott Bonvoy Bold® Credit Card

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Cardholders get 15 elite night credits toward status
    Cons
    • Only offers strong rewards for Marriott purchases
    • For a Limited Time Only! Earn 50,000 Bonus Points after you spend $1,000 on purchases in your first 3 months from your account opening.
    • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
    • Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
    • 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
    • 1X point for every $1 spent on all other purchases.
    • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
    • No Foreign Transaction Fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    The Marriott Bonvoy Bold® Credit Card has a decent list of benefits for a no-annual-fee card, so if you want to earn Marriott points without incurring a yearly cost, it’s worth considering.

    Read more: Marriott Bonvoy Bold credit card review

    There’s currently an elevated welcome bonus of 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening, and cardholders receive 15 elite night credits per year (qualifying them for Silver elite status).

    You’ll also get perks like no foreign transaction fees, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, purchase protection, and Visa Signature Concierge access.

    Best for elite status: The Platinum Card® from American Express

    Regular APR

    See Pay Over Time APR

    Featured Reward

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart Credit: Cover the cost of a $12.95 monthly Walmart membership with a statement credit after you pay for Walmart each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40 Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on eligible Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    The Platinum Card is a good option if you want to enjoy perks when you stay at Marriott hotels, but you aren’t necessarily a Marriott loyalist. That’s because it offers complimentary Marriott Bonvoy Gold status to cardholders — along with complimentary Hilton Honors elite status. 

    Read more: Amex Platinum card review

    Marriott Bonvoy Gold status gets you benefits like room upgrades, late checkout, a 25% points bonus on paid stays, and a welcome gift.

    Keep in mind that the Platinum Card is a premium card — with a $695 annual fee (See Rates) — so you’ll want to make sure you’ll take advantage of its many other benefits before applying.

    It’s currently offering a sky-high welcome bonus of 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership.

    Best for travelers who also like to stay at other hotels: Chase Sapphire Preferred® Card

    Regular APR

    15.99%-22.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn’t offer a Global Entry/TSA PreCheck application fee credit
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 03/31/22.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.


    Read Our Review
    Read Our Review A looong arrow, pointing right

    The Chase Sapphire Preferred® Card is our top card recommendation for earning travel rewards, because you can use the Ultimate Rewards points it earns to book travel with a great selection of partners — including Marriott Bonvoy.

    Read more: Chase Sapphire Preferred card review

    Right now, the Chase Sapphire Preferred® Card is offering an excellent welcome bonus: 60,000 points after you spend $4,000 on purchases in the first three month of account opening. Because you can transfer Chase Ultimate Rewards points to Marriott Bonvoy at a 1:1 ratio, 60,000 points is equal to 60,000 points at Marriott.

    Overall, the Chase Sapphire Preferred® Card is a strong pick because it earns bonus points on a wide variety of travel and dining purchases, and it gets you valuable travel coverage, all for a reasonable annual fee.

    Best for travelers who also like to stay at other hotels and want premium benefits: Chase Sapphire Reserve®

    Regular APR

    16.99%-23.99% Variable

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  • Pros & Cons
  • Details

  • Pros
    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining
    Cons
    • Very high annual fee
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel’
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300 airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more


    Read Our Review
    Read Our Review A looong arrow, pointing right

    The Chase Sapphire Reserve® is definitely a premium option with a $550 annual fee — but if you want a travel card with all the bells and whistles, it’s a top contender. It’s currently offering a bonus of 50,000 points after you spend $4,000 on purchases in the first three months of account opening.

    Read more: Chase Sapphire Reserve review

    The card’s $300 in statement credits for travel effectively cuts the annual fee down to $250, and other benefits with DoorDash and Lyft can add extra value. During the pandemic, Chase introduced a program called Pay Yourself Back through which you can use points for everyday purchases in popular categories, and with the Chase Sapphire Reserve® your points are worth 1.5 cents apiece when you redeem this way.

    As with the Chase Sapphire Preferred® Card, you can transfer the points you earn with the Chase Sapphire Reserve® to Marriott Bonvoy. 

    Marriott credit card — Frequently Asked Questions (FAQ)

    Are Marriott credit cards worth it?

    If you like staying at Marriott Bonvoy brands and enjoy redeeming points for free stays, it’s definitely worth considering opening a Marriott credit card. Frequent Marriott guests can earn a lot of bonus points using a card to pay for stays, and if the card you open comes with elite status, you can get extra perks.

    That said, if you’re not particularly loyal to Marriott or spread your travel among several brands, a travel credit card that earns transferable points is probably a better bet. You’ll earn flexible rewards you can use for hotels, flights, and other travel, without being locked into a single loyalty program.

    What credit score do you need for a Marriott credit card?

    As with many lucrative travel rewards cards, you’ll typically need at least good to excellent credit to qualify for any of the Marriott credit cards. That means a FICO score of at least 670, or a VantageScore of at least 700.

    Read more: What is a good credit score? It depends whether you’re asking VantageScore or FICO

    Read Insider’s guides to improving your credit score and using credit cards to boost your score if you’re new to credit or haven’t quite reached a good score yet.

    Can you have more than one Marriott credit card?

    The application restrictions around Marriott co-branded cards are a little tricky to navigate, because the cards are issued by both Chase and Amex.

    For Chase-issued cards, the 5/24 rule applies, which means you won’t be approved if you’ve opened five or more cards (from any bank) in the past 24 months. And for Amex cards, you’re not eligible if you’ve received the bonus on the exact same card before (the “once per lifetime rule”). 

    Read more: Guide to credit card application restrictions

    In addition, each card has its own restrictions. Generally speaking, if you’ve recently opened or received a bonus on one Marriott card, you won’t be able to open a different one for a specified amount of time. You can find the card’s specific rules under “Offer and Benefits Terms” on the card application page.

    • Sarah Silbert is the Senior Reviews Editor at Personal Finance Insider. She oversees the vertical’s guides and reviews, covering topics including banking, credit cards, insurance, investing, and mortgages. Her goal is to empower readers to make smart, informed financial decisions. She is also a Certified Educator in Personal Finance (CEPF). You can reach Sarah at ssilbert@insider.com.
      Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »


      Featured credit cards from our partners

      Featured Reward

      60,000 points

      Credit Needed

      Good to Excellent

      Featured Reward

      100,000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening

      Credit Needed

      Good to Excellent

      Featured Reward

      1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

      Credit Needed

      Good to Excellent

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here.

    For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of The Platinum Card® from American Express, please click here.

    Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. Read our editorial standards.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

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