Marriott Bonvoy Bevy Amex Payoff Calculator 2026

Card data, May 13, 2026

• Issuer: American Express
• Network: Amex (proprietary)
• Purchase APR: 20.24-29.24% variable
• Annual fee: $250
• Rewards: 6x Bonvoy points at participating Marriott properties, 4x at U.S. restaurants and supermarkets (combined cap $15,000 annually, then 2x), 2x everything else
• Point value baseline: roughly 0.84 cents per Bonvoy point per The Points Guy May 2026 valuations
• Effective rewards rate: 1.68-5.04% depending on category and redemption choice
• Free Night Award: one annual Free Night Award (up to 50,000 points value) on cardmember anniversary
• Automatic Marriott status: Gold Elite
• Elite night credits: 15 per year plus 1 per $5,000 spent (cap 25 per year)
• Balance transfer: Amex does not offer balance transfers on the Bevy
• Late fee: up to $40
• Foreign transaction fee: 0%
• Penalty APR: up to 29.99%
• Minimum payment formula: 1% of statement balance plus interest and fees, $40 floor
• Typical FICO floor: 700

Source: Amex Marriott Bonvoy Bevy terms, verified 2026-05-13.

TL;DR

The Bevy is a direct competitor to Chase’s Marriott Bonvoy Bountiful with very similar feature set: $250 fee, 6x at Marriott, 4x restaurants and supermarkets, 50,000-point Free Night Award, automatic Gold Elite. Differences: the Bevy is Amex (no Chase 5/24 rule), runs on the Amex network (more domestic acceptance than abroad), and does not support balance transfers. Same revolver math problem: 24% APR overwhelms 5% effective rewards.

Math worked example

$4,000 balance at 24.74% APR (midpoint of range):

• $150 per month: 38 months, $1,802 interest, total cost $5,802 plus 3 fees ($750) = $6,552
• $200 per month: 24 months, $1,163 interest, total cost $5,163 plus 2 fees ($500) = $5,663
• $300 per month: 15 months, $680 interest, total cost $4,680 plus 1 fee ($250) = $4,930
• Minimum payment only (about 1% plus interest): more than 20 years to clear, more than $6,500 in interest per TILA Regulation Z minimum-payment disclosure

Annual fee math: the Free Night Award certificate at 50,000 points value = $420 at 0.84 cents baseline against a $250 fee. Net positive $170 if you actually use the certificate before its 12-month expiration; net negative $250 if it expires unused.

Run your specific Bevy numbers

The pillar tool accepts the Marriott Bonvoy Bevy purchase APR. Enter your specific rate from your most recent Amex statement (under “Purchase APR”). Output: months to payoff, total interest, total cost.

Add $250 per year of holding to total cost to account for the annual fee.

Why the Bevy does not support balance transfers

Amex confirms in pricing terms that the Bevy does not advertise 0% intro APR on balance transfers. Hotel co-brand cards across issuers generally do not run transfer promos because the customer base is hotel-program loyalists.

To move a Bevy balance:

• Status quo at 24.74%: $1,163 interest over 24 months
• Transfer the Bevy balance to a different issuer’s 0% APR card (18 months, 3% fee on $4,000 = $120): paid in 18 months at $229 per month, total cost $4,120. Savings: $1,043.

Point value math: Marriott Bonvoy vs flexible currencies

Bonvoy points redeem at 0.84 cents baseline. Compare to Membership Rewards (1 cent cash, up to 2.5 cents transferred) or Chase Ultimate Rewards (1 cent cash, up to 2 cents via portal, higher via transfers).

For a $4,000 spend at 6x Marriott category, the Bevy earns 24,000 Bonvoy points worth $202. The same $4,000 on a flexible-currency card at 4x (Amex Gold dining + supermarkets) earns 16,000 Membership Rewards points worth $160 cash, or up to $400 transferred. The Bevy wins only when Marriott is your specific spend category and Marriott redemptions are your specific target.

Avalanche priority

The Bevy APR (20.24-29.24%) overlaps with most travel cards. At a 24% or higher specific rate, this card is at the top of your avalanche method priority list.

Bevy vs Bountiful: choosing between identical features

The Amex Bevy and the Chase Marriott Bonvoy Bountiful have nearly identical features: $250 fee, 6x at Marriott, 4x dining/grocery, 50,000-point Free Night Award. The differences:

• Network: Amex (Bevy) is less accepted abroad than Visa (Bountiful), but more widely accepted than 10 years ago
• Application rules: Chase 5/24 applies to Bountiful but not Bevy
• Welcome offer cadence: Amex tracks “lifetime once per family rule” per card product; Chase tracks 24- or 48-month re-application windows on Bonvoy cards
• Existing relationship: open the card from the bank you already have a relationship with; both issuers reward longstanding customers

For carrying a balance, neither card is appropriate. Both are paid-in-full products.

Should you keep Bevy during payoff?

If you have a Marriott stay planned within 12 months of certificate issuance, the $250 fee justifies the Free Night. If your travel pattern has shifted, Amex typically allows product change to the no-annual-fee Marriott Bonvoy Bold (Amex doesn’t issue Bold; Chase does, so the Amex downgrade path is more limited). Closing the Bevy after the payoff is an option; consider keeping open at zero balance to preserve average account age.

Stacking Amex Bonvoy cards: 35-card / 5-night max

Per Marriott Bonvoy program rules referenced in Amex disclosures, cardholders can hold multiple Bonvoy products simultaneously but earn only one welcome offer per product per lifetime (Amex’s “once per lifetime” rule per family). Stacking the Bevy with the no-fee Bonvoy Amex (or other Bonvoy variants) is possible if you cleared the previous welcome offer window.

The CFPB has flagged hotel-program welcome-offer churning as a consumer-confusion area in its credit card market reports. Read the cardmember agreement before applying for any second Bonvoy product.

Sibling Amex cards

• Amex Platinum payoff calculator
• Amex Gold payoff calculator
• Amex Green payoff calculator
• Amex EveryDay payoff calculator
• Delta SkyMiles Blue Amex payoff calculator

Chase Marriott Bonvoy counterpart

• Marriott Bonvoy Bountiful payoff calculator

Related

• Credit card payoff calculator (home) , pillar tool
• Credit card payoff by card type , full hub
• Balance transfer calculator

Frequently asked questions

What is the APR on the Marriott Bonvoy Bevy Amex Card?

The variable Purchase APR is 20.24-29.24% as of May 13, 2026 per the Amex pricing page. Your specific rate was set at application based on credit profile and the prime rate published by the Federal Reserve H.15 release. The Bevy is a revolving credit card, not a charge card; balances can be carried month to month at the variable APR. Check your most recent statement under “Purchase APR” for the exact figure.

Is the $250 annual fee on the Bonvoy Bevy worth it?

The Free Night Award certificate (valid at properties costing up to 50,000 Bonvoy points per night) is worth roughly $420 at the 0.84-cent baseline valuation. Subtract the $250 fee, net positive $170, assuming you use the certificate before its 12-month expiration. Add 25 free elite-night credits annually toward Platinum Elite (50 nights), and frequent Marriott guests come out ahead. Infrequent Marriott guests should not pay $250.

Can I do a balance transfer to the Marriott Bonvoy Bevy?

Amex does not advertise a 0% intro APR balance transfer offer on the Bonvoy Bevy. Balance transfers are not a feature of the card per the Amex pricing page. To move a balance from another card, apply for a dedicated balance-transfer card from a different issuer such as Citi Diamond Preferred (21 months 0%), Chase Slate Edge, or BankAmericard. The Bevy itself is built for Marriott rewards earning, not for balance management.

Are Marriott Bonvoy points worth more than cashback?

Bonvoy points redeem at a median of roughly 0.84 cents each per The Points Guy May 2026 valuation. Peak aspirational redemptions at top-tier Marriott properties (St. Regis, Ritz-Carlton) can reach 1.5-2 cents per point when cash rates are $1,000-plus per night. A no-fee 2% cashback card delivers fixed value with no expiration. Bonvoy wins when you would have paid cash at Marriott in the same booking window.

What credit score do I need for the Marriott Bonvoy Bevy?

Amex typically requires a FICO score of 700 or higher for the Bonvoy Bevy. Amex applies its “once per lifetime” welcome offer rule per card product, meaning you can only receive the Bevy welcome bonus once ever. Unlike Chase, Amex does not have a 5/24 rule, though Amex does track total Amex card holdings across the family. The Bevy is a revolving credit card; Amex evaluates application alongside any existing Amex relationship.