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Douglas
Last Updated: 06 Jul 2026
Looking for a smarter way to earn airline miles from everyday spending? The American Express Marriott Bonvoy credit card is one of the few UK cards that lets you earn miles with 38 different airlines (as of April 2026), a benefit few other credit cards match.
Let's break down how it works and why this lesser-known travel card might deserve a place in your wallet.
DouglasLast Updated: 06 Jul 2026
Looking for a smarter way to earn airline miles from everyday spending? The American Express Marriott Bonvoy credit card is one of the few UK cards that lets you earn miles with 38 different airlines (as of April 2026), a benefit few other credit cards match.
Let's break down how it works and why this lesser-known travel card might deserve a place in your wallet.
The basics stay the same: you earn 2 Marriott Bonvoy points for every £1 spent on your everyday purchases, and a generous 6 points per £1 whenever you pay at participating Marriott Bonvoy hotels.
Over time, those points start to add up, and once you’ve built a healthy balance, you can convert your Bonvoy points into airline miles with 38 frequent-flyer partners worldwide.
In terms of conversions, most transfers work on a 3:1 ratio, where three Bonvoy points equal one airline mile. But if you’re patient and move your points in batches of 60,000, Marriott throws in a 5,000-mile bonus, boosting your effective earning rate to around 0.833 miles per £1 spent.
There are a few other quirks to keep in mind, too. For example, United Airlines sweetens the deal even more with a 10,000-mile bonus per 60,000 points, while American Airlines, Avianca, and Delta don’t receive the standard 5,000-mile bonus. That still makes Marriott Bonvoy one of the most flexible ways for UK travellers to turn everyday card spending into a wide range of airline miles.
Let’s put all that into perspective. Imagine you’re using your Marriott Bonvoy American Express Card for your usual spending, such as groceries, travel, and the odd takeaway. If you spend £1,000 on non-hotel purchases, you’ll earn 2,000 Marriott Bonvoy points..
If you transfer those points straight away, they’ll move across at the standard 3:1 ratio used by most airline partners, giving you roughly 666 airline miles. That’s a decent return, but patience pays off here.
If you hold off and wait until you’ve collected 60,000 Bonvoy points, you’ll unlock that 5,000-mile transfer bonus, turning your haul into 25,000 airline miles instead. That improved conversion rate makes a noticeable difference, earning you around 0.833 miles per £1 spent.
Unlike most credit cards that tie you to one frequent-flyer programme, the Marriott Bonvoy credit card opens the door to 38 different airlines, letting you send your points wherever they’ll have the most impact. That flexibility is gold. If you collect Avios but also have your eye on a trip with Air Canada, Qatar Airways, or ANA, you don’t need to juggle multiple cards. Your Bonvoy points act as a central currency, ready to convert when you’ve found the redemption that gives you the best value.
Even better, many of those airline partners don’t have a direct UK credit card earning option, so if you’re after miles with carriers like American Airlines, Turkish Airlines, or Japan Airlines, this card remains one of the most practical routes.
Beyond the airline mile flexibility, the Marriott Bonvoy American Express Card comes loaded with extra perks that make it feel more like a travel companion than just another card in your wallet. Let’s start with the welcome offer: new cardholders can earn 20,000 Marriott Bonvoy points after spending £3,000 in the first three months. That’s roughly 6,667 Avios if you choose to convert, or enough for a free night in many mid-range Marriott hotels. For anyone looking to collect Avios or build a versatile travel fund, it’s a strong head start.
From day one, you’ll also receive automatic Silver Elite status in the Marriott Bonvoy programme. That comes with small but satisfying perks such as priority late checkout, a 10% bonus on points earned from hotel stays, and a touch more recognition when you travel. On top of that, you get 15 elite night credits every year, which count towards higher status tiers. If you’re already a semi-frequent guest at Marriott properties, these credits could make all the difference between Silver and the much more rewarding Gold or Platinum levels.
If you spend £15,000 on the card in a year, you’ll automatically be upgraded to Gold Elite. That means room upgrades, bonus points on stays, and a smoother check-in experience. Push your spending to £25,000, and you’ll earn a Free Night Award worth up to 25,000 points. You can even top it up with an extra 25,000 points to stay somewhere a little more luxurious.
These benefits complement classic American Express perks, including travel protection, purchase protection, and access to exclusive Amex credit card offers, such as regular cashback promotions with Marriott itself. For travellers who value both flexibility and comfort, this is a card that over-delivers, especially if you already have a soft spot for Marriott’s hotel brands, including Courtyard, Sheraton, W Hotels, and The Ritz-Carlton.
Here’s a quick snapshot of what the Marriott Bonvoy American Express credit card offers:
| Features | Detail |
| Annual Fee | £95 |
| Representative APR | Based on a credit limit of £1,200 charged at 29.1% variable per annum for purchases. Fee of £95 per annum applies. Representative 52.5% APR variable. |
| Earn Rate | 2 points per £1 (6 points at participating Marriott hotels) |
| Transfer Rate | 3:1 to 38 airlines (with a 5,000-mile bonus on most 60,000-point transfers) |
| Sign-up Bonus | 20,000 Bonvoy points after spending £3,000 in the first three months |
| Status Benefits | Silver Elite status + 15 Elite Night Credits |
| Free Night Award | After £25,000 annual spend |
| Minimum Income | £20,000 |
| Provider | American Express Services Europe Ltd |
Now that we’ve gone over the basics, there are a few points you need to consider because, as flexible and rewarding as the card is, it’s worth knowing the fine print before you sign up.
First, not every airline conversion gives you the same value. Most partners follow the standard 3:1 transfer rate, but there are exceptions. For example, Air New Zealand Airpoints converts at 200:1, which isn’t very generous. It’s always worth checking the conversion chart before you move your points.
Second, the 5,000-mile bonus only kicks in when you transfer in blocks of 60,000 Bonvoy points. Smaller transfers won’t qualify, so it’s best to save up and move your points in big batches for maximum return.
Third, remember that not all airline miles are created equal. Redemption values vary widely depending on the carrier and the route, so what feels like a great deal with one programme might not stack up with another.
And, of course, there’s the annual fee of £95, which is offset by the card’s benefits only if you make the most of them. Based on a credit limit of £1,200 charged at 29.1% variable per annum for purchases. Fee of £95 per annum applies. Representative 52.5% APR variable. This makes it a card suitable for those who pay their balance in full each month. If you don’t, the interest will quickly outweigh the rewards.
It’s decision time. If you’re firmly in the Avios camp, your first instinct might be to stick with cards that feed miles straight into your BA Club account. However, the Marriott Bonvoy credit card is flexible in ways others aren’t.
You can transfer your Bonvoy points directly into British Airways Club, Iberia Plus, or Aer Lingus AerClub at the standard 3:1 rate, and if you move points in 60,000-point chunks, you’ll still receive that handy 5,000-mile bonus. It’s an indirect route, but it broadens your options beyond the usual Avios ecosystem.
That said, if your loyalty begins and ends with British Airways and you’re laser-focused on how to earn and how to spend Avios points with the highest value, there are more direct options. Cards like the British Airways American Express Premium Plus or the Barclaycard Avios Plus earn Avios at a faster clip and often come with valuable flight rewards, such as a Companion Voucher on the British Airways American Express Premium Plus or an Avios Upgrade Voucher with Barclaycard Avios Plus, which can sweeten the deal for frequent BA flyers.
In a nutshell, the Marriott Bonvoy credit card is great when you want choice, when you’d rather decide later where your miles will go, or when you fly with several airlines and like to keep your points flexible. It’s especially appealing if you also enjoy Marriott stays or value the additional American Express perks that come included.
So, is it worth it? If you’re the kind of traveller who likes choice, flexibility, and the occasional upgrade, absolutely. At £95 a year, it’s not the cheapest in town, but one free night stay, a few smart redemptions, or a well-timed transfer bonus can more than make up the cost.
Having said that, it’s not for everyone. If you’re purely focused on extracting the best value from Avios points, you’ll find better routes through Avios-earning cards. But if you love the idea of diversifying your miles, flying different carriers, or enjoying a bit of hotel luxury along the way, this card delivers exceptional versatility.
Affiliate Disclaimer
Reward Flight Finder (RFF) may receive a commission if you apply for and are approved for an American Express® Card through links on this page. This does not affect the products we feature or how they are presented. We aim to provide accurate and up-to-date information; however, we do not guarantee the completeness or accuracy of all content. You should always check the official American Express website for the latest terms, fees, and eligibility criteria before applying. American Express approval is subject to status, and terms and conditions apply. You should consider whether a credit card is suitable for your financial circumstances and ensure you can meet any repayment obligations.
The basics stay the same: you earn 2 Marriott Bonvoy points for every £1 spent on your everyday purchases, and a generous 6 points per £1 whenever you pay at participating Marriott Bonvoy hotels.
Over time, those points start to add up, and once you’ve built a healthy balance, you can convert your Bonvoy points into airline miles with 38 frequent-flyer partners worldwide.
In terms of conversions, most transfers work on a 3:1 ratio, where three Bonvoy points equal one airline mile. But if you’re patient and move your points in batches of 60,000, Marriott throws in a 5,000-mile bonus, boosting your effective earning rate to around 0.833 miles per £1 spent.
There are a few other quirks to keep in mind, too. For example, United Airlines sweetens the deal even more with a 10,000-mile bonus per 60,000 points, while American Airlines, Avianca, and Delta don’t receive the standard 5,000-mile bonus. That still makes Marriott Bonvoy one of the most flexible ways for UK travellers to turn everyday card spending into a wide range of airline miles.
Let’s put all that into perspective. Imagine you’re using your Marriott Bonvoy American Express Card for your usual spending, such as groceries, travel, and the odd takeaway. If you spend £1,000 on non-hotel purchases, you’ll earn 2,000 Marriott Bonvoy points..
If you transfer those points straight away, they’ll move across at the standard 3:1 ratio used by most airline partners, giving you roughly 666 airline miles. That’s a decent return, but patience pays off here.
If you hold off and wait until you’ve collected 60,000 Bonvoy points, you’ll unlock that 5,000-mile transfer bonus, turning your haul into 25,000 airline miles instead. That improved conversion rate makes a noticeable difference, earning you around 0.833 miles per £1 spent.
Unlike most credit cards that tie you to one frequent-flyer programme, the Marriott Bonvoy credit card opens the door to 38 different airlines, letting you send your points wherever they’ll have the most impact. That flexibility is gold. If you collect Avios but also have your eye on a trip with Air Canada, Qatar Airways, or ANA, you don’t need to juggle multiple cards. Your Bonvoy points act as a central currency, ready to convert when you’ve found the redemption that gives you the best value.
Even better, many of those airline partners don’t have a direct UK credit card earning option, so if you’re after miles with carriers like American Airlines, Turkish Airlines, or Japan Airlines, this card remains one of the most practical routes.
Beyond the airline mile flexibility, the Marriott Bonvoy American Express Card comes loaded with extra perks that make it feel more like a travel companion than just another card in your wallet. Let’s start with the welcome offer: new cardholders can earn 20,000 Marriott Bonvoy points after spending £3,000 in the first three months. That’s roughly 6,667 Avios if you choose to convert, or enough for a free night in many mid-range Marriott hotels. For anyone looking to collect Avios or build a versatile travel fund, it’s a strong head start.
From day one, you’ll also receive automatic Silver Elite status in the Marriott Bonvoy programme. That comes with small but satisfying perks such as priority late checkout, a 10% bonus on points earned from hotel stays, and a touch more recognition when you travel. On top of that, you get 15 elite night credits every year, which count towards higher status tiers. If you’re already a semi-frequent guest at Marriott properties, these credits could make all the difference between Silver and the much more rewarding Gold or Platinum levels.
If you spend £15,000 on the card in a year, you’ll automatically be upgraded to Gold Elite. That means room upgrades, bonus points on stays, and a smoother check-in experience. Push your spending to £25,000, and you’ll earn a Free Night Award worth up to 25,000 points. You can even top it up with an extra 25,000 points to stay somewhere a little more luxurious.
These benefits complement classic American Express perks, including travel protection, purchase protection, and access to exclusive Amex credit card offers, such as regular cashback promotions with Marriott itself. For travellers who value both flexibility and comfort, this is a card that over-delivers, especially if you already have a soft spot for Marriott’s hotel brands, including Courtyard, Sheraton, W Hotels, and The Ritz-Carlton.
Here’s a quick snapshot of what the Marriott Bonvoy American Express credit card offers:
| Features | Detail |
| Annual Fee | £95 |
| Representative APR | Based on a credit limit of £1,200 charged at 29.1% variable per annum for purchases. Fee of £95 per annum applies. Representative 52.5% APR variable. |
| Earn Rate | 2 points per £1 (6 points at participating Marriott hotels) |
| Transfer Rate | 3:1 to 38 airlines (with a 5,000-mile bonus on most 60,000-point transfers) |
| Sign-up Bonus | 20,000 Bonvoy points after spending £3,000 in the first three months |
| Status Benefits | Silver Elite status + 15 Elite Night Credits |
| Free Night Award | After £25,000 annual spend |
| Minimum Income | £20,000 |
| Provider | American Express Services Europe Ltd |
Now that we’ve gone over the basics, there are a few points you need to consider because, as flexible and rewarding as the card is, it’s worth knowing the fine print before you sign up.
First, not every airline conversion gives you the same value. Most partners follow the standard 3:1 transfer rate, but there are exceptions. For example, Air New Zealand Airpoints converts at 200:1, which isn’t very generous. It’s always worth checking the conversion chart before you move your points.
Second, the 5,000-mile bonus only kicks in when you transfer in blocks of 60,000 Bonvoy points. Smaller transfers won’t qualify, so it’s best to save up and move your points in big batches for maximum return.
Third, remember that not all airline miles are created equal. Redemption values vary widely depending on the carrier and the route, so what feels like a great deal with one programme might not stack up with another.
And, of course, there’s the annual fee of £95, which is offset by the card’s benefits only if you make the most of them. Based on a credit limit of £1,200 charged at 29.1% variable per annum for purchases. Fee of £95 per annum applies. Representative 52.5% APR variable. This makes it a card suitable for those who pay their balance in full each month. If you don’t, the interest will quickly outweigh the rewards.
It’s decision time. If you’re firmly in the Avios camp, your first instinct might be to stick with cards that feed miles straight into your BA Club account. However, the Marriott Bonvoy credit card is flexible in ways others aren’t.
You can transfer your Bonvoy points directly into British Airways Club, Iberia Plus, or Aer Lingus AerClub at the standard 3:1 rate, and if you move points in 60,000-point chunks, you’ll still receive that handy 5,000-mile bonus. It’s an indirect route, but it broadens your options beyond the usual Avios ecosystem.
That said, if your loyalty begins and ends with British Airways and you’re laser-focused on how to earn and how to spend Avios points with the highest value, there are more direct options. Cards like the British Airways American Express Premium Plus or the Barclaycard Avios Plus earn Avios at a faster clip and often come with valuable flight rewards, such as a Companion Voucher on the British Airways American Express Premium Plus or an Avios Upgrade Voucher with Barclaycard Avios Plus, which can sweeten the deal for frequent BA flyers.
In a nutshell, the Marriott Bonvoy credit card is great when you want choice, when you’d rather decide later where your miles will go, or when you fly with several airlines and like to keep your points flexible. It’s especially appealing if you also enjoy Marriott stays or value the additional American Express perks that come included.
So, is it worth it? If you’re the kind of traveller who likes choice, flexibility, and the occasional upgrade, absolutely. At £95 a year, it’s not the cheapest in town, but one free night stay, a few smart redemptions, or a well-timed transfer bonus can more than make up the cost.
Having said that, it’s not for everyone. If you’re purely focused on extracting the best value from Avios points, you’ll find better routes through Avios-earning cards. But if you love the idea of diversifying your miles, flying different carriers, or enjoying a bit of hotel luxury along the way, this card delivers exceptional versatility.
Affiliate Disclaimer
Reward Flight Finder (RFF) may receive a commission if you apply for and are approved for an American Express® Card through links on this page. This does not affect the products we feature or how they are presented. We aim to provide accurate and up-to-date information; however, we do not guarantee the completeness or accuracy of all content. You should always check the official American Express website for the latest terms, fees, and eligibility criteria before applying. American Express approval is subject to status, and terms and conditions apply. You should consider whether a credit card is suitable for your financial circumstances and ensure you can meet any repayment obligations.
