Marriott Bonvoy Bevy™ American Express® Card
Basic Information
Program ID: marriott-bonvoy-bevy
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 07:43
Last Scraped: 01/15/2026 05:39
Fee Structure
| Annual Fee: | $250.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-50.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $85,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Marriott Bonvoy Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6x on eligible purchases at hotels participating in the Marriott Bonvoy program; 4x on up to $15,000 in combined purchases at restaurants worldwide and U.S. supermarkets (per calendar year)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire if no qualifying activity for 24 consecutive months.
Transfer Partners: Over 40 airline partners including American Airlines, Delta, United, British Airways, Emirates, Qatar Airways (typically 3:1 ratio, with 5,000 bonus miles for every 60,000 points transferred).
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Hotel Status: Marriott Bonvoy Gold Elite
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: American Express generally offers one welcome bonus per card product per 'lifetime' (typically interpreted as 7 years since receiving a bonus for that specific product or a related product within the same family). Applicants are subject to a maximum of 2 credit card approvals within a 90-day period. Eligibility also requires applicants to be 18 years or older, a US resident, have a good credit history, and not have too many existing Amex credit cards.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3-6 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, rapid application for multiple cards, abuse of return policies, not paying bills on time, pattern of opening cards for bonuses and quickly closing them (churning), suspicious spending patterns inconsistent with income/history.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent for Marriott loyalists, valuable Free Night Award, good earning rates on Marriott stays and dining, useful Gold Elite status for upgrades and late checkout.
Top Negative Feedback:
High annual fee if benefits aren't fully utilized, spending cap on supermarket bonus points, not ideal for non-Marriott travelers, limited transfer partners compared to other travel cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Marriott Bonvoy Bountiful Card
- Marriott Bonvoy Boundless Credit Card
- Chase Sapphire Preferred Card
Card Value Score: 82.0 / 100
Est. Annual Rewards: $710.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 30% General / 70% Co-brand (Marriott)
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 88.0%
Terms Version Control
Version ID: v1.0