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Card Economics
- Annual Fee
- $650
- Ongoing Annual Value
- $721
- First-Year Value Estimate
- $1,007
- Net Value
- +$71
Card type: PersonalForeign transaction fee: NoneCurrency: Marriott BonvoyAU fee: $0
Sign-up Bonus
150K bonus points and a $250 statement credit after $6K in eligible purchases within the first 6 months
Am I eligible?Earning Structure
6XMarriott purchases4.4%
3XDining2.2%
3XFlights booked directly with airlines2.2%
2XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (3)
- Dining: $25 (Monthly)
Up to $25 per month in statement credits for dining at restaurants worldwide
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Ritz-Carlton and St. Regis: $100 (Per Use)
$100 credit per booking for qualifying charges at The Ritz-Carlton or St. Regis properties. Must book using the "$100 Property Credit, Luxury Credit Card Rate" and pay with card at checkout. Can be used multiple times per year.
Lounge Access (1)
- Priority Pass Select (Unlimited) — 2 free guests, paid guests allowed
Elite Status (2)
- Marriott Bonvoy: Platinum
- Marriott Bonvoy: 25 elite night credits per year
Protections (9)
- Trip Cancellation/Interruption — up to $10,000 — Coverage for trip cancellation and interruption. Pay for round trip travel in full with your card to be eligible for this benefit. This includes award ticket fees or points.
- Trip Delay — up to $500 — Up to $500 per trip delayed more than 6 hours. Maximum 2 claims per card per 12-month period.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. $2K for checked bags. Pay for the full cost of transportation with your Amex card to be eligible for this benefit.
- Emergency Evacuation — Emergency medical evacuation coverage with no limit. There is no requirement to pay for any part of your trip with your Amex card to use this benefit.
- Purchase Protection — up to $10,000 — Coverage against damage or theft for 90 days, up to $10,000 per occurrence, $50,000 per year
- Extended Warranty — Extends warranty by up to 1 year
- Return Protection — up to $300 — Return items within 90 days for a refund up to $300 per item if the merchant won't accept the return
- Car Rental Insurance (secondary) — up to $75,000 — Secondary coverage up to $75,000 for rental car damage/theft (primary coverage available for additional fee). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.
- Cell Phone Protection — up to $800 — Up to $800 per claim, $1,600 per year with $50 deductible. Maximum 2 claims per 12-month period. Must pay monthly cell phone bill with card. Excludes cosmetic damage.
Other Perks
- Annual 85K Free Night Award after renewal
- Earned Choice Award after $60K annual spend: choose 50K points, 5 Nightly Upgrade Awards, or 1 Free Night Award (up to 85K). Note: the $1K Marriott Bonvoy brand bed option is no longer offered (confirmed 08/06/26 on Amex's own Earned Choice Award benefit page). FrequentMiler's card table still lists it, so FM-sourced proposals will keep trying to re-add it -- do not accept one without the issuer page.
- Free in-room premium internet access at Marriott properties
