Make your money work harder with the right rewards credit card

• As we face increased costs of living, it's always smart to think about how to make your money go further.
• Holidays and maximizing the benefits of everyday spending are two areas where the right rewards credit card can make a difference.
• The Marriott Bonvoy® American Express® Card rewards spending and nights at hotels participating in Marriott Bonvoy.

If you're looking to plan your next holiday, having the right rewards credit card can really make a difference. It can help your money go further and bring those dreams of sandy beaches and beautiful new places to explore a step closer.

With the Marriott Bonvoy® American Express® Card, you could be rewarded with free hotel nights, opportunities to upgrade your rooms, and the chance to head for the skies when you turn your points into miles for participating airlines — all subject to availability and minimum spend requirements.

Easily earn points at home or on holiday

The Marriott Bonvoy® American Express® Card is open to all and will reward you for everyday spending, as well as when you travel. You'll earn six points for every eligible £1 spent on the stay itself, and extra items, like drinks and meals, that you enjoy when you are there.

And whether you're home or away, you'll earn two points for every £1 spent on everyday items, such as groceries.

When you've built up your points, you can redeem them for a stay at over 8,000 hotels across more than 30 brands worldwide — hotels that are perfect for a beach trip, luxury holiday, or family getaway. You can also transfer your Marriott Bonvoy® points to over 40 different airlines' frequent flyer programs, giving you the flexibility to take off wherever you want and with whichever participating airline you choose.

An exciting offer for new members

By signing up for the £75 annual fee card, with an assumed credit of £1,200, you'll get fast-tracked to Silver Elite status of the Marriott Bonvoy® Travel Programme and be able to accelerate the amount of points you earn. Once your application gets the thumbs up, you'll get 20,000 welcome bonus points when you spend £3,000 in the first three months of being a cardholder, as long as you haven't held a personal American Express Card in the previous two years.

Cardmembers can redeem these 20,000 points toward stays or convert them to participating airline miles. And as an extra bonus, you'll be given 15 Elite Night Credits which will advance you toward the next level of Marriott Bonvoy Elite status. Each level you achieve gets you even more benefits. 

The Card has a representative APR of 47.7% variable, including the annual fee, with representative APR on purchases of 29.7% variable.

It pays to be a Marriott Bonvoy® Member

The Marriott Bonvoy® American Express® Card rewards its members for their ongoing loyalty. For every year that you renew your card and spend at least £25,000 on it, you'll receive a free night at a hotel worth up to 25,000 points. You can top that with a 15,000-point voucher from your Marriott Bonvoy® account for a hotel stay worth up to 40,000 points.

And the benefits start as soon as you sign up. By simply activating your Marriott Bonvoy® American Express® Card, you will earn Marriott Bonvoy® Silver Elite status, where you'll earn an extra 10% points bonus on spending in the hotel, along with priority for late checkout and other member benefits.

Your Silver Elite status will be automatically upgraded to Gold once you spend £15,000 on the card in a calendar year. And the more nights you stay, the quicker you'll reach the next level of Elite status.

Staying 25 nights between January and December, for example, is another route to Gold status — that's just 10 nights on top of your opening 15 Elite nights credit. A total of 50 nights will move you to Platinum level.

Say hello to the holidays

If you love to travel — and who doesn't dream of their next holiday — this is just the ticket. Think of it as a helping hand toward that first splash in the pool or a sip of that cooling cocktail.

And that's not all. By inviting a friend to get a Marriott Bonvoy® American Express® Card, you can earn yourself 9,000 bonus points if they're approved. In fact, why not ask the whole gang? You can earn up to 90,000 bonus points each year for successfully referring friends, up to a maximum of 10 referrals.

There are other benefits when you buy flights on the Card, including Travel Inconvenience Insurance, which covers flight cancellations and delayed baggage, as long as you're enrolled (T&Cs apply).

Frequent travelers should find a space in their wallet for this card. Just 35 stays on top of your opening credit will take you to Marriott Bonvoy® Platinum Elite status where extra rewards will really start rolling in. Platinum benefits include 50% more points on every eligible hotel purchase, including dining and spa treatments — so you can maximize your relaxation.

For people who are on the move and want a credit card that moves with them, the Marriott Bonvoy® American Express® Card is the ace in the pack.

Learn more about the Marriott Bonvoy® American Express® Card.

This article was created by Insider Studios with the Marriott Bonvoy® American Express® Card.