Marriott Bonvoy American Express Card
Points
Marriott Bonvoy American Express Card
American Express UK - American Express - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
Marriott Bonvoy American Express Card vs Monzo Flex
Compare Marriott Bonvoy American Express Card and Monzo Flex side by side: fees, rewards, APR, and perks.
Last verified
Monzo Flex
Cash back
Monzo Flex
Monzo - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Marriott Bonvoy American Express Card | Monzo Flex |
|---|---|---|
| Card fee | £95 GBP/yr (≈ $120) | No fee |
| Purchase APR (from) | 29.1% | 29% |
| Interest-free period | 56 days | - |
| Foreign transaction fee | 2.99% | 0% |
| Rewards | 2 Marriott Bonvoy points per £1 on all spend; 6 points per £1 at Marriott properties. 15 Elite Night Credits automatically awarded annually, granting Silver Elite status. Gold Elite status at £15,000 annual spend. Free night award (up to 25,000 points) at £25,000 annual spend. | Earn cashback at selected partner brands (2–10% depending on offer; partners include Asda, Boots, Currys, Disney+, eBay, Foot Locker and others). Offers are personalised and time-limited; cashback credited to a Cashback Pot within 2–3 days. |
| Installments | Flexible instalment plan available | Pay in full at next payment date (0% interest); or split any purchase of £100+ into 3 months at 0%; or spread over 6, 12 or 24 months at 29% APR (variable). No early repayment fee. |
| No card fee | - | |
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Marriott Bonvoy American Express Card if its checked rows above line up with how you spend most.
- Choose the Monzo Flex if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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