American Express · Rewards Calculator
Marriott Bonvoy American Express CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Marriott Purchases | 5 Marriott Bonvoy points per $1 |
| everything else | 2 Marriott Bonvoy points per $1 |
Enter Your Monthly Spending
We'll calculate your Marriott Bonvoy points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Marriott Bonvoy points earnings with the Marriott Bonvoy American Express Card.
Or try a quick-fill preset to get started
Ready to apply for the Marriott Bonvoy American Express Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Marriott Bonvoy points.
Welcome Bonus
Bonus
Up to 110,000 Marriott Bonvoy points
~$2200 estimated value
How to Earn It
80,000 Marriott Bonvoy points
Spend $6,000 first 6 months
30,000 Marriott Bonvoy points
Spend $0 15th month purchase
Offer Expires
April 7, 2026
Card Details
- Annual Fee
- $120/yr
- Network
- Amex
- Rewards Program
- Marriott Bonvoy
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 21.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
How to Use the Marriott Bonvoy American Express Card Rewards Calculator
This calculator helps you estimate how many Marriott Bonvoy points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the Marriott Bonvoy American Express Card's earn rates to show you a complete breakdown.
Understanding Marriott Bonvoy American Express Card Earn Rates
The Marriott Bonvoy American Express Card earns Marriott Bonvoy points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Marriott Purchases: 5 Marriott Bonvoy points per $1
- everything else: 2 Marriott Bonvoy points per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the Marriott Bonvoy American Express Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Marriott Bonvoy points
The true value of your Marriott Bonvoy points depends on how you redeem them. As part of the Marriott Bonvoy program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $120 Annual Fee Worth It?
The Marriott Bonvoy American Express Card carries an annual fee of $120. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.