American Express Gold Card vs Marriott Bonvoy Bevy American Express Card
Annual fees: American Express Gold Card $325/yr, Marriott Bonvoy Bevy American Express Card $250/yr. Strongest bonus categories: American Express Gold Card on hotels, Marriott Bonvoy Bevy American Express Card on dining.
Card data as of November 13, 2026.
American Express Gold CardAmerican Express · $325/yr
Marriott Bonvoy Bevy American Express CardAmerican Express · $250/yr
Overview
- Annual fee
- American Express Gold Card$325Marriott Bonvoy Bevy American Express Card$250Lowest
- Welcome offerCurrent public offer
- American Express Gold CardAs high as 100,000 points — offers varyMarriott Bonvoy Bevy American Express Card85,000 points
- Rewards
- American Express Gold CardAmerican Express Membership RewardsMarriott Bonvoy Bevy American Express CardMarriott Bonvoy
- Foreign transaction fee
- American Express Gold CardNoneMarriott Bonvoy Bevy American Express CardNone
- Network
- American Express Gold CardAmerican ExpressMarriott Bonvoy Bevy American Express CardAmerican Express
Earn ratesPer $1 spent
- Dining
- American Express Gold Card4xMarriott Bonvoy Bevy American Express Card4x
- Grocery Stores
- American Express Gold Card4xMarriott Bonvoy Bevy American Express Card4x
- Flights
- American Express Gold Card3xHighestMarriott Bonvoy Bevy American Express Card2x
- Everything else
- American Express Gold Card1xMarriott Bonvoy Bevy American Express Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Rideshare & transit
- American Express Gold Card
- $120 Uber Cash · $10 monthly
Marriott Bonvoy Bevy American Express Card— - Dining & delivery
- American Express Gold Card
- $100 Resy credit · $50 every 6 months
- $120 dining credit · $10 monthly
- $84 Dunkin' credit · $7 monthly
Marriott Bonvoy Bevy American Express Card—
Perks & access— means none on record
- Hotel status & programs
- American Express Gold Card
- $100 property credit at 1,400+ upscale hotels worldwide
Marriott Bonvoy Bevy American Express Card- Automatic Marriott Bonvoy Gold Elite Status
- 15 Elite Night Credits annually
- Other perks
- American Express Gold Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- American Express Preferred Access
- Events with Amex & Presale Tickets
- No foreign transaction fees on international purchases
Marriott Bonvoy Bevy American Express Card- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- Premium Internet Access
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- American Express Gold Card
- Trip Delay Insurance up to $300
Marriott Bonvoy Bevy American Express Card- Trip delay reimbursement · up to $300
- Baggage
- American Express Gold Card
- Baggage Insurance Plan up to $1,750
Marriott Bonvoy Bevy American Express Card— - Rental car
- American Express Gold Card
- Secondary rental car insurance for damage and theft
Marriott Bonvoy Bevy American Express Card- Car rental insurance
- Purchase & returns
- American Express Gold Card
- Purchase Protection up to $10,000 per item for 90 days
Marriott Bonvoy Bevy American Express Card- Up to $10,000 per item against damage or theft
- Extended warranty
- American Express Gold Card
- Extended Warranty up to one additional year · up to $10,000
Marriott Bonvoy Bevy American Express Card- Extended warranty adds up to 1 year
- Other protections
- American Express Gold Card
- Zero liability protection on fraudulent charges
- Dispute Resolution and Fraud Protection
Marriott Bonvoy Bevy American Express Card- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- American Express Gold Card
- 4X points on dining worldwide - industry leading
- 4X at U.S. supermarkets up to $25k/year
- $424 in annual credits (face value) cover the $325 fee if you use at least $325 of them
- No foreign transaction fees
- Transfer to 20 airline and hotel partners
Marriott Bonvoy Bevy American Express Card- Automatic Gold Elite status with 25% bonus points, upgrades, and late checkout
- 15 Elite Night Credits annually toward Platinum qualification
- Free Night Award at $15K spend (lower threshold than Business card's $60K)
- Strong 4x earning on restaurants worldwide and U.S. supermarkets (combined $15K/year cap)
- 6x at Marriott properties
- Cons
- American Express Gold Card
- $325 annual fee with no waived first year
- 4X grocery excludes Costco, Walmart, Target
- No lounge access included
- Limited non-food spending categories
- Amex acceptance less universal than Visa/MC
Marriott Bonvoy Bevy American Express Card- Only Gold Elite status (Platinum requires Brilliant)
- Free Night Award capped at 50,000 points (lower than Brilliant's 85K)
- No lounge access benefit
- 4x categories have combined $15,000 annual cap (then drops to 2x)
- American Express acceptance more limited internationally
Category-by-Category Winner
Both cards win in 1 categories each — it comes down to which categories matter most to you. 1 more category depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
American Express Gold Card earns 5X when conditions are met; Marriott Bonvoy Bevy American Express Card earns 2X (2X without restrictions)
Flights
American Express Gold Card earns 3X vs 2X
Everyday purchases
Marriott Bonvoy Bevy American Express Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the American Express Gold Card; year-one value favors the Marriott Bonvoy Bevy American Express Card.
| Scenario | American Express Gold Card | Marriott Bonvoy Bevy American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $212 − Annual fee ($325) Ongoing: $67 Year one: $67 | Rewards: $168 Credits (our usable estimate): $0 − Annual fee ($250) Ongoing: -$82 Year one: $513 | American Express Gold Card | Marriott Bonvoy Bevy American Express Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $212 − Annual fee ($325) Ongoing: $607 Year one: $607 | Rewards: $672 Credits (our usable estimate): $0 − Annual fee ($250) Ongoing: $422 Year one: $1,017 | American Express Gold Card | Marriott Bonvoy Bevy American Express Card |
Is the Fee Difference Worth It?
The American Express Gold Card costs $325/yr — that's $75 more than the Marriott Bonvoy Bevy American Express Card ($250/yr). To justify that gap, you need to extract at least $75 in annual value from the card's higher earn rates and benefits.
The American Express Gold Card includes dining credits. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $75 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $75 fee gap means the American Express Gold Card needs roughly $75 more in annual rewards (or credits you will use) to break even on hotels and dining and everyday spend.
Which Card Is Right for You?
Get the Marriott Bonvoy Bevy American Express Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Ongoing value favors the American Express Gold Card; year-one value favors the Marriott Bonvoy Bevy American Express Card.
Everyday (non-bonus) spend earns 2X on the Marriott Bonvoy Bevy American Express Card vs 1X on the other card.
Published annual fees: American Express Gold Card $325/yr, Marriott Bonvoy Bevy American Express Card $250/yr — a $75 difference before welcome offers and credits.
Frequently Asked Questions
- Is the American Express Gold Card worth the higher annual fee?
- The American Express Gold Card costs $325/yr vs $250/yr for the Marriott Bonvoy Bevy American Express Card. Compare the year-one vs ongoing value table on this page — the $75 gap must be offset by higher earn rates, welcome offers, or credits you will use (the American Express Gold Card also lists dining credits).
- Which card earns more rewards, the American Express Gold Card or Marriott Bonvoy Bevy American Express Card?
- The Marriott Bonvoy Bevy American Express Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the American Express Gold Card have that the Marriott Bonvoy Bevy American Express Card doesn't?
- The American Express Gold Card offers dining credits. The Marriott Bonvoy Bevy American Express Card focuses more on earn rates than premium perks.
- Should I get the American Express Gold Card or the Marriott Bonvoy Bevy American Express Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bevy American Express Card has a lower $250/yr fee; the American Express Gold Card must earn enough extra (or offer a larger welcome bonus) to justify $325/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.