Is the Marriott Bonvoy American Express worth it in 2026?
£95/year
The Marriott Bonvoy American Express earns 2 Membership Rewards points per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £95 a year? Here's what's on the table — and a free tool to work out your number.
Silver Elite status + 15 elite night credits. Automatic Marriott Bonvoy Silver Elite status (10% bonus points on stays, priority late checkout) plus 15 elite night credits a year — over halfway to Gold, which you also get outright at £15,000 card spend. Counted at £25: status perks only have value if you actually stay at Marriott brands.
Vouchers
Free Night Award — earned at £25,000 spend in a card year, valid 12 months. Spend £25,000 in a card year and receive a Free Night Award for a hotel costing up to 25,000 Bonvoy points (≈£125). You can top it up with up to 25,000 points from your own balance for rooms up to 50,000 points (≈£250 value). Valid 12 months. Default value £125 — the un-topped-up cap, discounted for availability and expiry risk.
Does it pay for itself?
You need more than £95 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.