What are Marriott Bonvoy points worth?
Credit Upside values Marriott Bonvoy points at a conservative 0.70¢ per point — the same mid-range number the optimizer uses to score your spending. That's less than a penny — below a 1¢ cash-back point, so a big multiplier here is worth less than it looks.
Updated 2026-09-16
What you actually get depends on how you redeem. A great redemption can beat this; cashing out often pays less.
How we get to 0.70¢
Marriott Bonvoy points are points in a single hotel program. We use a single conservative mid-range value — not the best-case redemption a points blog might quote — because the optimizer has to be honest about what you'll typically get, not what's theoretically possible. Your own redemptions can beat it (a well-timed transfer) or trail it (a low-value cash-out). Full methodology →
Cards that earn Marriott Bonvoy points
- Marriott Bonvoy Business American Express Card — 4x on dining, $125 fee
- Marriott Bonvoy Bevy American Express Card — 4x on dining, $250 fee
- Marriott Bonvoy Bountiful™ Credit Card — 4x on groceries, $250 fee
- Marriott Bonvoy Brilliant American Express Card — 3x on dining, $650 fee
- Marriott Bonvoy Boundless® Credit Card — 3x on groceries, $95 fee
- Marriott Bonvoy Bold® Credit Card — 2x on groceries, no fee
Marriott Bonvoy points don't transfer out — they're spent inside one program. That's the trade-off against a flexible currency: fewer places to use them, so the 0.70¢ has to earn its keep on its own. Compare transfer reach across programs →
Is a Marriott Bonvoy point better than cash?
At 0.70¢, usually not, unless you consistently redeem above our estimate. A high earn rate in Marriott Bonvoy points can lose to a plain 2% cash card. The only way to know for your wallet is to score real spending — which is what the app does, applying this value to every charge.
Want the ranked version? Best cards that earn Marriott Bonvoy points puts all 6 of them in order by real cents back per dollar — the printed rate times this 0.70¢ value.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Valued near it: Choice Privileges (0.60¢) · Wyndham Rewards (0.60¢) · PenFed points (0.85¢) · Hilton Honors points (0.50¢) · IHG points (0.50¢)
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