Marriott Bonvoy® American Express® Card Agreement

Account & Service Control · Company commitment

Earning Points: 2 Points per $1 of eligible purchases

You receive 2 Marriott Bonvoy Points for each $1 of eligible purchases on the Marriott Bonvoy American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do not include fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, purchases of gift cards (except Marriott gift cards purchased at Marriott online stores), or person-to-person transactions.

Supporting quotations

You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy™ American Express® Card (Card Account).

Eligible purchases are purchases for goods and services minus returns and other credits.

Eligible purchases do NOT include: fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, purchases of gift cards (except Marriott gift cards purchased at Marriott online stores), or person-to-person transactions.

Qualifications & exceptions

• Further conditions on keeping Points (timely minimum payments, personal use, program rules) appear in the next rewards section.

Account & Service Control · Company commitment

Additional Points: 4 more (6 total) at Marriott properties and stores

You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case are owned or managed by Marriott International, Inc. and its affiliates. The next section explains that a purchase will not receive additional Points if the merchant's code is not included in a reward category.

Supporting quotations

You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates.

A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category.

Qualifications & exceptions

• The extra Points apply only to purchases charged directly with the listed Marriott-owned or managed businesses.

Account & Service Control · Restriction or exception

Additional Points depend on merchant codes and reward categories

Merchants are assigned codes based on what they primarily sell, and the company groups certain merchant codes into categories eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if the company receives inaccurate information or cannot identify your purchase as eligible for a reward category. Examples given of when you may not receive additional Points: a merchant uses a third party to sell its products or services; a merchant uses a third party to process or submit your transaction (for example, mobile or wireless card readers); or you pay with a third-party payment account or a mobile or digital wallet. For questions about additional Points on a purchase, the agreement directs you to call the number on the back of the Card, and points to americanexpress.com/rewards-info for more information about rewards.

Supporting quotations

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category.

You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores

Qualifications & exceptions

• The wording is "may not receive": the examples describe situations where additional Points are not assured, not a complete list.
• This limits the additional (4 extra) Points; the base 2 Points per $1 on eligible purchases is stated separately.

Not stated here

• The agreement does not list which merchant codes fall in a reward category; the linked rewards page is not supplied.

Account & Service Control · Permission or license

Promotional bonus Points offers have their own terms

From time to time the company may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them, and those terms may differ from the terms for Points earned on eligible purchases to your Card Account, including about when you can use the Points.

Details not recorded for this card

Supporting quotations

From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points.

Not stated here

• The terms of any particular promotional offer are not in this agreement.

Account & Service Control · Procedure

Viewing Points and when Points are transferred to Marriott Bonvoy

You can view your Points earned year to date on the Card by logging into your online account at americanexpress.com and viewing your account summary page. The company transfers Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month, and your account must not be cancelled or delinquent at the time of bonus fulfillment.

Details not recorded for this card

Supporting quotations

You can view your Points earned year to date on the Card by logging onto your online account at americanexpress.com and viewing your account summary page.

We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them.

Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment.

Qualifications & exceptions

• "Delinquent" is not defined in the rewards section.

Not stated here

• The agreement does not define "delinquent" for bonus fulfillment.

Account & Service Control · Restriction or exception

Forfeiting Points for a missed minimum payment; reinstatement for $35

If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you forfeit the Points you earned for eligible purchases during that billing period. The agreement's example says that if the billing period closes January 15 and the minimum payment is due February 10 and is not made by February 10, you will not earn Points for purchases in "the billing period ending February 15"; the example's two dates (closes January 15, ends February 15) are not reconciled in the text. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. "To pay by a certain date" means your payment is received and credited to the Account by that date.

Supporting quotations

When you will forfeit points: If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period.

For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15.

You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.

To pay by a certain date means to send your payment so that we receive it and credit it to your Account by that date.

Qualifications & exceptions

• The source example mixes a January 15 close date with a billing period "ending February 15"; the exact period the example means is not stated.
• Reinstatement requires both that the Card Account is not past due and a $35 fee.

Not stated here

• Which billing period the example's "ending February 15" refers to is not explained in the text.

Account & Service Control · Restriction or exception

Program conditions: personal use, loyalty account, changes and no responsibility after credit

You will only receive rewards for eligible purchases for personal, family or household use. Each Card Member must have a unique Marriott Bonvoy loyalty account, and American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account. The company may change the terms of this reward program at its discretion, and if you violate or abuse the program you may forfeit some or all of your Points. The company is not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc., or for Marriott's actions on that account.

Supporting quotations

You will only receive rewards for eligible purchases for personal, family or household use.

Each Card Member must have a unique Marriott Bonvoy loyalty account. American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points.

We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account.

Not stated here

• The agreement does not define what counts as violating or abusing the reward program.

Account & Service Control · Context

Marriott Bonvoy terms and card benefit details are in outside documents

Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions, which the agreement says can be found at marriott.com for details on Marriott's right to change its program terms and other conditions that may apply. For detailed information about Card benefits it points to go.amex/yL6fXh.

Details not recorded for this card

Supporting quotations

Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at marriott.com, for details on: Marriott's right to change its program terms. other conditions that may apply to the loyalty program.

Additional Details: For detailed information about Card benefits please visit go.amex/yL6fXh.

Not stated here

• The Marriott Bonvoy Terms and Conditions and the linked Card benefits page are not supplied with this agreement, so their terms are not analyzed here.

Account & Service Control · Context

Definitions: we, you, Card, Additional Card Members

"We, us, and our" mean the issuer shown on page 1 of Part 1; "you and your" mean the person who applied for the Account and for whom it was opened (the Basic or Primary Card Member). You may request a Card for an Additional Card Member. "Card" means any American Express Card or other device the company issues to access your Account. The company may issue additional Cards at your request; Additional Card Members can use your Account subject to the Agreement. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account, and you must pay for all charges made.

Supporting quotations

We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. We will refer to you as either the Basic or Primary Card Member. You may request a Card for an Additional Card Member. Card means any American Express Card or other device that we issue to access your Account.

We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made.

Qualifications & exceptions

• Part 2 also covers Additional Card Members in its own section; this card carries the definitions and the responsibility statement.

Account & Service Control · Restriction or exception

Using the Card: personal use, discretionary features, no transfers from affiliates

You may use the Card to make charges. At the company's discretion, it may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by the company or its affiliates. You agree to use the Card for personal, family, or household purposes only. You may not use your Account for illegal activities.

Supporting quotations

You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates. You agree to use the Card for personal, family, or household purposes only.

You may not use your Account for illegal activities.

Account & Service Control · Permission or license

The company can add, modify or remove benefits and features

The company has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion.

Details not recorded for this card

Supporting quotations

Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Not stated here

• The agreement does not say how it will tell you about a change to a benefit, feature or service.

Account & Service Control · Restriction or exception

You must notify the company of contact changes

You must notify the company immediately if you change your mailing address, email address, or telephone number, and you need to notify it separately for each Account if you have more than one. The company may update your billing address if it receives information that it has changed or is incorrect.

Details not recorded for this card

Supporting quotations

Changing your contact information: You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Account & Service Control · Restriction or exception

Closing or suspending the Account; annual fee refund; re-opening fee

The company may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. You must still pay all charges under the Agreement. If it later agrees to reinstate your Account, it may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account. You may close your Account by calling or writing to the company. If an Annual Fee applies, it will be refunded if you notify the company that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears; for cancellations after the 30-day period, the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts when you close your Account, this refund policy does not apply to you. If your account is cancelled and the company re-opens it at your request, it may charge you a $25 fee.

Supporting quotations

We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement. If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

You may close your Account by calling us or writing to us. If an Annual Fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears. For cancellations after this 30-day period, the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts at the time you close your Account, this policy will not apply to you. If your account is cancelled and we re-open it at your request, we may charge you a $25 fee.

The Closing Date appears on each billing statement and is the last day of the billing period covered by the billing statement.

Qualifications & exceptions

• The Rates and Fees section lists the Account Re-opening fee as $25 when the Account is cancelled, you ask to re-open it and the company does so; this section says the company "may" charge $25.

Not stated here

• The amount of the fee to reinstate an Account after the company cancels it is not stated in this section.

Account & Service Control · Company practice

Additional Card Members: issuance, reporting, responsibility and annual fee refund

The company may issue additional Cards on your Account at your request, and Additional Card Members can use your Account subject to the Agreement. The company may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards, it is shown on page 2 of Part 1. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account, and you must pay for all charges made. You authorize the company to give Additional Card Members information about your Account and to discuss it with them. You can contact the company to cancel an Additional Card Member's ability to use your Account. Any refund of an Annual Fee for an Additional Card follows the refund policy in the Closing or suspending your Account sub-section of Part 3; where a single Annual Fee covers a group of Additional Cards, the policy applies when you cancel the Additional Card on which the fee was assessed.

Supporting quotations

We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them. Contact us if you want to cancel an Additional Card Member's ability to use your Account.

If an Annual Fee applies for an Additional Card, please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. If a single Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.

You may request a Card for an Additional Card Member.

Qualifications & exceptions

• Part 1's fee explanation lists the Annual Fee for Additional Cards as None for this card; Part 2 states the Annual Fee for Additional Cards "if an Annual Fee applies."