How to apply for Marriott Bonvoy Amex: complete step-by-step guide
This page explains how to apply for the Marriott Bonvoy American Express Card, including the eligibility requirements, information you should have ready and the costs to review before proceeding.
Approval is subject to status and American Express’s credit assessment. Meeting the published requirements does not guarantee that an application will be accepted.
Step 1: check the eligibility requirements
To apply, you must currently be 18 or over, have a permanent UK home address and earn at least £20,000 per year.
American Express also states that personal Card applicants should have a current UK bank or building society account and no history of bad debt.
You will need an active Marriott Bonvoy account and a valid Marriott Bonvoy Loyalty ID.
The name entered on the American Express application must match the name registered with your Marriott Bonvoy account.
Step 2: have your information ready
American Express asks for personal information such as your name, email address, date of birth and nationality.
You will also need your phone number and current home address.
If you have lived at your current address for less than three years, you will need to provide your previous address.
Financial information can include your annual personal income, other household income, employment status and employer contact details.
You will also be asked for details of your UK bank or building society account.
American Express does not state that every applicant must automatically upload a passport, driving licence, utility bill or payslips.
Additional verification may be requested depending on your application.
Step 3: complete income verification if requested
American Express may need to verify your income as part of its responsible lending assessment.
One option is to securely connect the UK bank account where you receive your income through American Express’s verification partner, Tink.
If you choose this method, your bank provides the necessary information electronically and you do not need to upload income documents.
Alternatively, you can choose to upload supporting documents for manual review.
American Express provides the accepted document list during that stage. Manual income verification can take up to five days.
Step 4: check your eligibility
American Express provides an Eligibility Checker before you submit a formal application.
Using this tool does not affect your credit rating.
It can give you an indication of how likely you are to be accepted before you proceed with the application.
An eligibility result should not be treated as a guarantee of approval.
American Express will still assess the full application before deciding whether to provide credit.
Step 5: submit your application
The application can be started through the official Marriott Bonvoy American Express Card page.
American Express states that an online credit card application can take less than 10 minutes when you have the necessary information ready.
Complete your personal, contact, employment and financial information and enter your valid Marriott Bonvoy Loyalty ID.
Review the information and applicable Card terms carefully before submitting the application.
American Express states that it may be able to provide an answer in less than 60 seconds, although some applications require additional checks.
Step 6: what happens after approval
If your application is approved, American Express states that your new Card should arrive by post within 10 business days.
The PIN is sent separately and may arrive a few days before the Card.
You will also receive information about managing your Account and accessing the Card’s benefits.
Once your Card arrives, follow the American Express instructions for activation and account setup.
The Amex App can then be used to monitor transactions, make payments and manage the Card.
Step 7: review the annual fee and APR
The Marriott Bonvoy American Express Card currently has a £95 annual fee.
The standard purchase rate is 29.1% p.a. variable.
The current representative APR is 52.5% variable.
The representative example assumes a credit limit of £1,200.
The £1,200 amount is used for the representative calculation and is not a guaranteed credit limit.
Your actual credit limit and interest rate depend on American Express’s credit assessment and may differ.
Step 8: understand the Marriott Bonvoy account requirement
A valid Marriott Bonvoy Loyalty ID must be entered on the application form.
The Marriott Bonvoy account must be in the same name as the American Express Card application.
This connection allows eligible Marriott Bonvoy points and status benefits earned through the Card to be associated with your loyalty account.
The Basic Cardmember must also maintain an active Marriott Bonvoy account for benefits such as the annual 15 Elite Night Credits.
Step 9: check the current welcome offer
New eligible Cardmembers can currently receive 20,000 Marriott Bonvoy points after spending £3,000 within the first three months.
The welcome offer is subject to eligibility and can change.
The current offer is not available if you have held a personal American Express Card within the previous 24 months.
If you do not qualify for the welcome offer, Marriott states that you may still apply for the Card and receive its other applicable benefits.
Do not make additional purchases simply to reach a welcome bonus threshold if they do not fit your normal budget.
Step 10: review the ongoing benefits
The Card currently earns 2 Marriott Bonvoy points for every full £1 of eligible everyday spending.
Eligible spending at participating Marriott Bonvoy properties earns 6 points per £1 from American Express.
Cardmembers currently receive automatic Silver Elite Status and 15 Elite Night Credits each calendar year, subject to programme conditions.
Gold Elite Status can be earned after £15,000 of eligible Card purchases in a year.
A Free Night Award is currently available after £25,000 of eligible spending during an anniversary year.
These benefits should be considered alongside the £95 annual fee and the cost of borrowing.
Before you apply
Consider whether Marriott Bonvoy points and status benefits are useful for your normal travel and spending habits.
The Card may provide less value if you rarely use Marriott properties or if you regularly carry an interest-bearing balance.
Check that the £95 annual fee fits your expected use of the Card.
You should also review the actual interest rate and credit limit offered to you rather than relying only on the representative example.
Always read the latest Card terms and Marriott Bonvoy programme conditions before accepting the product.
About the card provider
The Marriott Bonvoy American Express Credit Card is offered by American Express Services Europe Limited.
American Express Services Europe Limited is authorised and regulated by the Financial Conduct Authority.
Marriott International acts as an introducer appointed representative of American Express Services Europe Limited for this product.
American Express is responsible for the credit assessment, credit limit and lending decision.
This website does not issue the Card, process applications or participate in credit decisions.
The card offers points on spending, an annual free night award, travel and purchase protection, and elite status credits within the Marriott Bonvoy programme.
Yes, applicants need to earn at least £20,000 per year to be eligible for the Marriott Bonvoy Amex credit card, based on information from the provider.
There is a £95 annual fee. The purchase rate is 29.1% per annum variable, and the representative APR is 52.5% variable, with additional potential fees for cash or overseas spending.
Applications can be submitted online through the official American Express website. Complete the application form, upload any required documents, and you will receive a prompt decision in most cases.
Independent editorial notice: This website provides independent informational content. We are not a bank, lender, credit broker or financial institution, and we are not affiliated with American Express or Marriott Bonvoy. We do not issue cards, process applications or make lending decisions. Product rates, fees, rewards and eligibility requirements can change, so check the provider’s current information before applying.
Credit is subject to status and eligibility. Missing or late repayments may result in charges and can affect your credit record. If you are experiencing difficulties with debt, free and impartial guidance is available from MoneyHelper.
