Credit card showdown: Marriott Bonvoy Bevy vs. Marriott Bonvoy Bountiful

In September 2022, the listing of Marriott Bonvoy bank cards grew with two new additions. In some ways, the Marriott Bonvoy Bevy™ American Express® Card and the Marriott Bonvoy Bountiful Card from Chase (the 2 new playing cards) are very comparable. You could possibly be forgiven for pondering they’re the identical card.

While extra comparable than totally different, the Amex Marriott Bonvoy Bevy and the Marriott Bonvoy Bountiful playing cards do fluctuate in some advantages.

Let’s take a look at the similarities and variations between the Bevy and Bountiful playing cards so you may perceive which one is healthier suited on your pockets.

Benefits widespread to each playing cards

Before we focus on how they differ, this is what the Amex Marriott Bonvoy Bevy and Marriott Bonvoy Bountiful playing cards have in widespread:

• Welcome provide: Both playing cards presently have the identical bonus provide, which gives 125,000 bonus factors after spending $4,000 on purchases within the first three months of cardmembership. TPG values every bonus at $1,050.
• Type of factors earned: Both playing cards earn Marriott Bonvoy factors. There are many methods to make use of these factors, however the most typical can be for award stays at Marriott Bonvoy properties across the globe.
• Annual price: You’ll pay $250 per yr to maintain your Bountiful or Bevy card (see charges and costs of the Bevy card)
• Marriott elite standing: You’ll obtain complimentary Gold Elite standing with Marriott Bonvoy every year due to carrying both of those playing cards. Gold Elite standing gives advantages like bonus factors on every keep, late checkout and upgraded rooms — although to not suites.
• Other Marriott-related advantages: You’ll additionally obtain 15 elite evening credit in your Marriott Bonvoy account every year, serving to you’re employed towards increased standing ranges. Plus, on every paid keep at a Marriott Bonvoy-participating property, you may obtain 1,000 bonus factors. TPG values these factors at $8.40. Lastly, you even have the power to earn a free evening award (price as much as 50,000 factors) by spending $15,000 on both card throughout a calendar yr.
• Travel protections: Both playing cards can present reimbursement when your baggage is misplaced or delayed on a visit that you simply paid for with this card. Additionally, each playing cards can reimburse you for bills associated to delays throughout your journey. However, the phrases and quantities for these advantages differ.
• Purchase safety and prolonged guarantee: While the cut-off dates and greenback quantities differ, each playing cards can defend purchases that you simply paid for with the cardboard.
• No international transaction charges: Neither card will cost you for making purchases in one other forex or outdoors the U.S. (see charges and costs of the Bevy card).
• Earning construction: Both playing cards will present 6 factors per greenback at motels and resorts collaborating in Marriott Bonvoy and 4 factors per greenback on the primary $15,000 spent within the card’s bonus classes every year. Those classes are eating and supermarkets (observe that the Bevy card limits these bonus earnings to U.S. supermarkets solely and takeout/supply providers within the U.S. solely). You’ll earn 2 factors per greenback on different purchases.

The data for the Marriott Bonvoy Bountiful card has been collected independently by The Points Guy. The card particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

New candidates can earn 125,000 bonus factors after spending $4,000 on purchases within the first three months of cardmembership. TPG values this bonus at $1,050.

Rewards

You’ll earn 6 factors per greenback at Marriott Bonvoy motels and resorts and 4 factors per greenback on the primary $15,000 of mixed purchases every year at U.S. supermarkets and on eating (which incorporates eating places worldwide and takeout/supply providers within the U.S.). You’ll earn 2 factors per greenback on different purchases.

Since TPG values Marriott factors at 0.84 cents every, this represents a 5.04%, 3.36% or 1.68% return on spending for the incomes charges above. After surpassing the $15,000 spending cap for eating and U.S. supermarkets, your incomes price will drop to 2 factors per greenback till the subsequent calendar yr.

Other advantages

Cardmembers can even reap the benefits of Amex Offers. These focused presents can present bonus factors or assertion credit in your upcoming purchases, serving to you to save cash or attain your subsequent award redemption quicker.

Additionally, journey protections on the Amex Marriott Bonvoy Bevy card will help you if one thing goes improper throughout a visit. There is journey delay insurance coverage* for journeys delayed by greater than 12 hours as a consequence of a lined motive. To be lined, you will need to e book a round-trip ticket and pay fully along with your card to be lined. Coverage gives reimbursement of as much as $300 per journey with a most of two claims in a 12-month interval.

Related: Your full information to journey protections on American Express playing cards

Cardmembers can even take pleasure in baggage insurance coverage** protection of as much as $1,250 for carry-on baggage and as much as $500 for checked baggage in extra of what is supplied by the widespread provider, and secondary automobile rental loss and injury insurance coverage^ of as much as $50,000 for theft of or injury to eligible rental automobiles. Cardmembers even have entry to the Global Assist Hotline 24 hours a day, seven days every week for medical, authorized, monetary or different choose emergency providers coordination and help whereas touring greater than 100 miles from house.^^

Lastly, purchases made with the Bevy card can get 90 days of buy safety (restricted to $10,000 per declare and $50,000 per calendar yr)** and as much as one yr of prolonged guarantee protection** on warranties of 5 years or much less on lined purchases within the U.S. or its territories or possessions.

Related: Your full information to procuring protections on American Express playing cards

* Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

** Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company.

^ Eligibility and profit degree varies by card. Not all car sorts or leases are lined, and geographic restrictions apply. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company. Coverage is obtainable by way of American Express Travel Related Services Company, Inc.

^^ Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.

Read our full assessment of the Amex Marriott Bonvoy Bevy card for extra particulars.

Annual price: $250.

Official utility hyperlink: Amex Marriott Bonvoy Bevy card

Applicants for the Bountiful card can earn 125,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. TPG values this bonus at $1,050.

Rewards

You’ll earn 6 factors per greenback at Marriott Bonvoy motels and resorts, 4 factors per greenback on eating and groceries and a couple of factors per greenback on all different purchases. It’s price noting that you’re going to solely earn 4 factors per greenback on the primary $15,000 of eating and grocery purchases per yr, then you definately’ll earn 2 factors per greenback on these purchases till the beginning of the subsequent calendar yr.

TPG values Marriott factors at 0.84 cents every, so these incomes charges symbolize a 5.04%, 3.36% or 1.68% return on spending. Unlike the Bevy card, you may earn 4 factors per greenback spent at supermarkets and takeout/supply providers worldwide, not simply within the U.S.

Other advantages

Cardholders can use Chase Offers to save cash through rebates on their purchases. Cardholders can also get a free yr of DashPass from DoorDash in the event that they enroll by Dec. 31, 2024.

Moreover, Bountiful cardholders have a number of journey and procuring protections that may assist them in occasions of want. Baggage delay insurance coverage can reimburse as much as $100 per day for as much as 5 days when your baggage is delayed by six hours or extra. Lost baggage reimbursement can present as much as $3,000 in reimbursement per passenger in case your journey provider completely loses your baggage. Trip delay reimbursement can reimburse as much as $500 of bills per ticket when your journey is delayed in a single day or by 12 hours or extra.

Cardholders even have buy safety for 120 days on new purchases made with the Bountiful card. This protection is restricted to $500 per declare and as much as $50,000 per account. Lastly, there’s an prolonged guarantee profit; this provides an additional yr to U.S. producers’ warranties of three years or much less.

Annual price: $250.

Read our full assessment of the Marriott Bonvoy Bountiful card for extra particulars.

If you are previous 5/24 and never eligible for extra bank cards with Chase, that might make your determination fairly easy. Yes, you possibly can product change from one other Marriott card to the Bountiful, however you would not be eligible for a sign-up bonus.

In phrases of long-term advantages and perks, the Bevy card presents significantly better phrases on each the prolonged guarantee and buy safety advantages. The prolonged guarantee profit applies to warranties which are a full two years longer than these lined by the Bountiful card’s profit (5 years in comparison with three years). With buy safety, you may have 30 fewer days for protection than with the Bountiful card however have an extremely increased protection worth: $10,000 per declare as a substitute of simply $500.

If you purchase costly gadgets along with your bank card, these advantages can prevent hundreds of {dollars}.

The case for the Bountiful card

Assuming you are below 5/24 with Chase and eligible for the Bountiful card, it’s possible you’ll favor its spending classes and the very fact there are not any restrictions for incomes bonus factors solely within the U.S. along with your grocery or takeout/supply purchases. You additionally could benefit from the DashPass advantages for meals supply.

Regarding protections supplied by your card, the Bountiful has extra sturdy protections for journey delay, delayed baggage and misplaced baggage advantages. Knowing that these advantages could be triggered extra simply and supply increased payouts in case you incur losses or additional bills throughout a lined journey could offer you additional peace of thoughts once you journey.

With the Bountiful, you may earn 4 factors per greenback spent at supermarkets and with takeout/supply providers worldwide, not simply within the U.S. (The Bevy presents this incomes price solely at U.S. supermarkets and with U.S. takeout/supply providers.)

The Amex Marriott Bonvoy Bevy card and Marriott Bonvoy Bountiful card are very comparable — from their welcome bonuses to ongoing perks. However, there are some key variations in the way you earn factors with these playing cards and the protections the playing cards provide for journeys paid for and purchases made utilizing your card.

Which one is healthier for you? That is determined by which advantages and incomes construction will higher suit your way of life. Do you buy high-value gadgets and need a purchase order safety coverage to match? Go for the Bevy. Or do you like an incomes construction that is extra worldwide and journey protections that may apply extra simply when one thing goes improper? The Bountiful is a better option.

Look at your buy habits and journey model, plus look by way of our information to bank card utility guidelines and restrictions. These concerns ought to assist which card or playing cards it’s possible you’ll be eligible for and which can higher align along with your wants.

Official utility hyperlink: Marriott Bonvoy Bevy American Express Card

For charges and costs of the Amex Marriott Bonvoy Bevy, click on right here.