American Express Cobalt Card vs Marriott Bonvoy American Express Card

By   |   Verified by David Boyd   |   Updated 15 Aug 2023

The main difference between the American Express Cobalt Card and the Marriott Bonvoy American Express Card lies in their distinct reward structures and perks. While both cards offer enticing benefits, they each cater to different lifestyles and preferences.

When it comes to rewards, the Cobalt Card is a powerhouse for those seeking versatile points accumulation. With an emphasis on everyday spending, it rewards users with bonus points in categories like dining, groceries, and travel. On the other hand, the Marriott Bonvoy Card zeroes in on travelers and hotel enthusiasts, offering points that can be redeemed for stays at a range of Marriott properties worldwide.

In terms of fees, both cards have their own nuances. The Cobalt Card boasts a monthly fee, but the potential rewards can easily offset this cost for frequent spenders in the designated categories. Meanwhile, the Marriott Bonvoy Card comes with an annual fee, reflecting its premium travel-focused offerings.

For those hunting for introductory offers and bonuses, the Cobalt Card typically showcases promotions tailored to its bonus categories, providing a boost in points accumulation during the initial months. In contrast, the Marriott Bonvoy Card often entices sign-up bonuses that grant substantial points upon reaching specific spending thresholds.

Each card has standout features that appeal to different appetites. The Cobalt Card flaunts an impressive roster of travel-related insurance coverage, while the Marriott Bonvoy Card sets itself apart with its exclusive access to Marriott's loyalty program, offering elite status benefits and enticing redemption options.

In essence, whether you're a cosmopolitan spender craving culinary adventures or a globetrotter seeking luxurious getaways, the American Express Cobalt Card and the Marriott Bonvoy American Express Card offer unique avenues to maximize your rewards and enhance your lifestyle. Consider your spending habits and travel aspirations to determine which card aligns best with your financial goals.

American Express Cobalt Card
 

On website

Marriott Bonvoy American Express Card
 

On website

Description
Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation.With this card, you can earn 5X points on Marriott purchases on eligible purchases at hotels participating in Marriott Bonvoy.
Basics
Additional Cardholders
99
Card Type
American ExpressAmerican Express
Minimum Credit Limit
N/AN/A
Maximum Credit Limit
N/AN/A
Sign up bonus
Signup Bonus Points
15000 points50000 points
Signup Bonus Points Required Spend
$750.00$3,000.00
Signup Bonus Points Required Spend Terms
eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period.eligible purchases every month in the first 3 months of Cardmembership
Rewards
Rewards Program
American Express RewardsAmerican Express Rewards
Domestic Rewards Points Earn Rate
12.00
Benefits
Airport Lounge Access Included
YesYes
Concierge Service Included
YesNo
Cardholder's International Travel Insurance
YesYes
Complimentary Flight Voucher Included
NoNo
Introductory balance transfer
Balance Transfer Rate
N/AN/A
Balance Transfer Period
N/AN/A
Balance Transfer Fee
N/AN/A
Balance Transfer Limit
N/AN/A
Balance Transfer Revert Rate
N/AN/A
Ongoing rates
Cash Advance Rate
21.99% p.a.21.99% p.a.
Purchase Rate Ongoing
21.99% p.a.21.99% p.a.
Ongoing fees
Annual Fee Ongoing
$155.88$120.00
Foreign Exchange Fee
$2.50$2.50
Late Payment Fee
$38.00$38.00
Overseas ATM Withdrawal Fee
$5.00$5.00
Digital wallets
Apple Pay Enabled
YesYes
Google Pay Enabled
YesYes
Samsung Pay Enabled
YesYes
Eligibility
Available To Existing Customers
NoNo
Minimum Age
18 years18 years
Minimum Credit Rating
GoodGood
Minimum Income
N/AN/A
Temporary Residents Accepted
NoNo