Marriott Bonvoy Bevy Amex: is the $250 fee worth it?

The honest math on the Marriott Bonvoy Bevy American Express Card: what its points earn beyond a plain 2% card and what its protections would cost to buy — against the $250 annual fee.

American Express · $250 annual fee · earns Marriott Bonvoy points

Earning rates

6x Marriott Bonvoy hotels
4x Restaurants worldwide (on the first $15,000/yr COMBINED with U.S. supermarket purchases, then 2x)
4x U.S. supermarkets (on the first $15,000/yr COMBINED with restaurant purchases, then 2x)
2x Everything else

Certificates (1)

Free Night Award (up to 50,000 points) — One free night each calendar year, after $15,000 in eligible purchases on the card, at a Marriott property with a redemption level at or under 50,000 Marriott Bonvoy points.

Protections and perks (10)

Marriott Bonvoy 1K Bonus Points Per Stay — 1,000 Marriott Bonvoy bonus points per eligible stay (one or more paid nights) booked directly with Marriott at a participating property, on top of normal earning.
Marriott Bonvoy Gold Elite Status — Complimentary Marriott Bonvoy Gold Elite status for the Basic Card Member — 25% bonus points on hotel stays plus other Gold-tier perks.
Elite Night Credits — 15 Elite Night Credits on account opening, then 15 more each subsequent calendar year (deposited by March 1) — progress toward Marriott status beyond the card's automatic Gold.
American Express Venue Collection Concessions Credit — 10% back (up to $250/yr) in statement credits on food & beverage purchases at participating stadiums and arenas, through December 31, 2026.
No Foreign Transaction Fees — No surcharge on purchases abroad.
Car Rental Loss and Damage Insurance — Secondary coverage for damage to or theft of a rental car, up to $75,000, when you pay for the entire rental with the card and decline the counter's collision damage waiver.
Trip Delay Insurance — Up to $300 per trip for additional expenses when a round trip paid for entirely with the card is delayed more than 12 hours, maximum 2 claims per 12 months.
Baggage Insurance Plan — Up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of the common carrier's own coverage, when lost, damaged, or stolen on a trip paid for entirely with the card.
Purchase Protection — New purchases covered 90 days against accidental damage or theft, up to $10,000 per purchase and $50,000 per calendar year.
Extended Warranty — Adds up to a year to eligible US manufacturer warranties of 5 years or less.

Recent changes to this card's data

2026-09-01 — Marriott Bonvoy Bevy American Express Card

Verified accurate — no changes. Fee, earning rates and caps, the Free Night Award's spend gate, statuses, credits, and coverage ceilings re-confirmed against americanexpress.com and Amex's benefit guide PDF. The Venue Collection Concessions credit still ends 12/31/2026.

2026-08-21 — Marriott Bonvoy Bevy American Express Card

New card added: amex-marriott-bonvoy-bevy ($250 annual fee), Amex's mid-tier Marriott co-brand, sitting between the $95 Boundless (Chase) and the $650 Brilliant (Amex).
Earning: 6x Marriott hotels; 4x restaurants worldwide + U.S. supermarkets on a shared $15,000/yr combined cap (then 2x) — the restaurant leg auto-counts toward your dining spend, while the U.S.-supermarket leg is shown but not auto-counted (it only partially overlaps general grocery spend, and guessing would overstate); 2x everything else. Source: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
Free Night Award: spend-gated certificate — one free night/calendar year, up to 50,000-point redemption level, after $15,000 in eligible purchases; expires 1 year from issuance, one per calendar year, 25,000-point top-off allowed. Source: https://global.americanexpress.com/card-benefits/detail/one-free-night-award/marriott-bonvoy-bevy
1,000 Marriott Bonvoy bonus points per eligible stay booked directly with Marriott (unlimited stays) — valued through a "what's this worth to you per year?" question rather than auto-priced. Source: https://global.americanexpress.com/card-benefits/detail/bonus-points-paid-stay/marriott-bonvoy-bevy
Complimentary Marriott Bonvoy Gold Elite status (25% bonus points). Source: https://global.americanexpress.com/card-benefits/detail/earn-marriott-bonvoy-gold-status/marriott-bonvoy-bevy
15 Elite Night Credits/year (15 on opening, 15 more each subsequent calendar year). Source: https://global.americanexpress.com/card-benefits/detail/elite-night-credit/marriott-bonvoy-bevy
American Express Venue Collection Concessions Credit: 10% back up to $250/yr on stadium/arena food & beverage, enrollment required, ends 2026-12-31 (identical benefit to the Brilliant sibling). Source: https://global.americanexpress.com/card-benefits/detail/amex-venue-collection/marriott-bonvoy-bevy
No foreign transaction fees. Source: https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/
Car Rental Loss and Damage Insurance: secondary, up to $75,000/rental agreement, 30 consecutive days (from Amex's general CRLDI Benefit Guide, doc 371-397 — shared boilerplate across Amex "Eligible Card" products, not Bevy-specific; card page itself states the mechanic but no dollar ceiling). Source: https://www.americanexpress.com/content/dam/amex/us/credit-cards/features-benefits/CRLDI_Benefit_Guide_371-397_EDT_2.20_REV_4.24_a11y3_04022026.pdf
Trip Delay Insurance: up to $300/trip, max 2 claims/12 months, delay >12 hours, secondary (New Hampshire Insurance Company). Source: https://global.americanexpress.com/card-benefits/detail/trip-delay-insurance/marriott-bonvoy-bevy
Baggage Insurance Plan: up to $1,250 carry-on / $500 checked, in excess of common-carrier coverage (NY residents: $10,000 aggregate/trip). Source: https://global.americanexpress.com/card-benefits/detail/baggage-insurance-plan/marriott-bonvoy-bevy
Purchase Protection: $10,000/purchase, $50,000/calendar year, 90 days. Source: https://global.americanexpress.com/card-benefits/detail/purchase-protection/marriott-bonvoy-bevy
Extended Warranty: +1 year on warranties ≤5 years, $10,000/item, $50,000/calendar year. Source: https://global.americanexpress.com/card-benefits/detail/extended-warranty/marriott-bonvoy-bevy
Confirmed ABSENT (verified via the full 23-item benefit dashboard, not just omitted for scope): Global Entry/TSA PreCheck credit, Priority Pass lounge access, dining statement credit, Return Protection, Trip Cancellation/Interruption Insurance, Cell Phone Protection — all present on the pricier Brilliant sibling but genuinely not part of the Bevy's benefit set.
Points values (0.7¢ typical / 0.9¢ optimized) mirror the same Marriott Bonvoy valuations used on the Boundless and Brilliant cards, so the three siblings price points consistently.

Card data verified against American Express on 2026-09-01.

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