Welcome to a rewarding world
Is there a place where you’ve always dreamed about travelling? Here in your Welcome Centre, you can see how to maximise your points to help you get there sooner with your Marriott Bonvoy™ American Express® Card.
To activate your Credit Card, simply download the American Express® App here and follow the instructions. If you are an existing Cardmember, once you have downloaded the Amex App, click the ‘Account’ tab and ‘add a Card to your Account’ to activate it, or visit americanexpress.co.uk/activate.
Once activated, you can use your Card immediately online and in-store, including for contactless payments.
During the activation process, you will be asked to set up an Online Account. Once registered, you will have 24/7 access to manage your Account via the Amex App or online. With a single login for any device, it's convenient, secure and will allow you to do all this and more:
- View your statements, current balance and pay your bill
- Set up a Direct Debit
- View, change, or unlock your PIN
- Freeze and unfreeze your Credit Card
- Set up Credit Card alerts to keep up to date
- Manage your marketing preferences
- See your Credit Card benefits, rewards and Amex Offers
- Chat with Us
Online Account Security
We added an additional layer of security to your Online Account to make sure the person logging in is really you.
Here’s what you’ll see when you log into your Online Account:
- Log in with your User ID and password or biometrics
- Enter the verification code we send to you
- Tell us whether we should Remember This Device in the future
- Choosing Remember This Device helps speed up your log in experience without compromising on security. Our systems are working in the background 24/7 to ensure your Online Account is secure.
If you’d rather enter verification codes as part of your log in journey, you can skip the Remember This Device step.
So you can receive verification codes, make sure you have added your mobile number to your Online Account.
Cardmember password
When you Activate your Credit Card, you will be asked you create a customer password, which you may need to quote when calling us to discuss sensitive Account information.
Useful links
Remind yourself of the PIN you selected during the application process via the ‘Account’ tab on the Amex App or by visiting americanexpress.co.uk/PIN. If you didn’t select your own PIN, you can view your autogenerated PIN by clicking here.
Your PIN is used to check it is you making the purchase in-store and online. Sometimes we will ask for part of your PIN when you are checking out online but we'll never ask for your full PIN.
Manage your PIN
You can view, change or unlock your PIN by logging in to your Online Account at any time via the Amex App or online.
When managing your PIN online you will be required to complete security checks such as entering the 4-digit Card Identification number (CID) located just above the Account number on the front of your Credit Card and entering the verification code we send to you via email or SMS.
Please be aware, to complete the PIN change you will need to activate your NEW PIN by using your OLD PIN one last time in your next Chip & PIN transaction. Once your Credit Card is inserted into the payment terminal, and your OLD PIN is entered one last time, we will be able to write your NEW PIN onto the chip of your Credit Card.
Please remember the following information:
- Never share your PIN with anyone. We will never ask for your PIN over the phone or email.
- Don't record your PIN anywhere, memorise it.
- Protect your PIN when entering it at a cash machine or terminal.
To view your latest statement and payment due date, log in to your Online Account via the Amex App or online.
Your payment due date
Your payment due date will be 25 days after your first statement is produced. You won’t see a payment due date on your Online Account until this happens, we will notify you through your chosen communication method when your statement is available.
To ensure your payment due date is set to one convenient for you, you may contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment it will need to be up to date before requesting any change.
With your Credit Card, you have the flexibility to pay for your purchases over several months, or all at once. For further information, click here.
How to pay your bill
There are several ways to efficiently and securely pay your bill online. Simply take your pick from the options below. For more information, visit the Help Centre.
Direct Debit
A Direct Debit automatically makes your payments each month, so you don't have to keep remembering to do it. Set it up via the Amex App or online once you’ve registered for an Online Account. If your current statement has already been produced, you will need to make a manual payment of this as your Direct Debit will only be effective from your next statement date.
Pay With Bank Transfer
Securely pay your American Express bill via a direct transfer from your bank account. It’s simple to use and takes place in just a few quick steps - with no account setup or Card details required. What’s more, with the payment itself being handled entirely by your bank, you benefit from bank-grade security, and none of your payment details being stored by American Express. Pay With Bank Transfer is currently only available in the Amex App.
Debit Card
Enter your Debit Card details to make a Debit Card payment to your Account online or in the Amex App.
Bank Transfer
Use your bank’s internet banking service to initiate a bank transfer. Find the accounting details you’ll need here.
Video: How to pay your monthly bill and set up a Direct Debit using the Amex App
Video: How to pay your monthly bill and set up a Direct Debit using Online Services
Contactless mobile payments with your American Express Card are the secure, convenient and no-touch way to pay.
- High value purchases: With mobile payments, you won’t be restricted by the same £100 in a single transaction* contactless Card payment limit.
- Earn rewards: Continue to earn rewards when you make payments using your American Express Card with a mobile wallet.
- Shop safe: Four layers of security provides you with peace of mind when shopping.
- Convenience with speed: Left your cash and Credit Card at home? Pay with your phone, in seconds with a single touch.
View the options below to load your American Express Card to your mobile device. Once you’re all setup, just look for the Contactless symbol and tap to pay using your mobile device in-store. You can also use your wallet to pay in-app and on the web.
Apple Pay:
Apple Pay lets you make secure and quick payments using your iPhone or Apple watch. Just visit the ‘Wallet’ app on your iPhone to get started.1
Google Pay:
Google Pay allows you to pay on the go in-store or in-app using your Android device. Simply add your Card through the Google Pay app to get started.
Samsung Pay:
Samsung Pay allows you to make everyday purchases in-store or in-app using your Samsung device. Simply add your Card through the Samsung Pay app to get started.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
American Express contactless is the safe and secure way to make everyday purchases up to the value of £100* in single transaction2. You can make contactless payments on your Card as soon as you’ve activated it, simply look out for the American Express contactless symbol and pay by tapping your Card on the reader.
There may be times when you’ll be asked to enter your PIN to make sure we know your Card is still safely in your hands and no one else’s.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
Using your Credit Card
Your Credit Card is welcomed online and in-store at millions of places globally. Plus, whether your doing your weekly food shop, or treating yourself to something special, you will also earn rewards when you use your Credit Card.
We added over 99,000 new locations in the UK in 2020.* Locations include:
- Online and in-store retailers, including high street brands
- Major supermarkets and corner shops
- Dining, from 5-star dining to a quick coffee on the go
- Petrol top ups to family holidays.
Small shops, big rewards
Your Credit Card is accepted at small businesses across the country. From the dentist on your doorstep to the café round the corner, use your Credit Card to shop small and you’ll be supporting them as well as earning rewards on your spend
You can find out more about all the places you can use your Credit Card here, or use the map as a guide** to find businesses large and small, wherever you are.
Plus, don’t forget to look out for the American Express logo when shopping.
*Based on American Express merchant locations set up between January 2020 and December 2020.
**Business location and other information provided on the map may contain errors. The operating hours and services provided on the map may vary.
Saving your new Credit Card as your preferred payment Card at your favourite online
retailers, is the most convenient and secure way to quickly make purchases online. Don’t miss out on being rewarded for virtually every £1 that you spend, and check out faster whenever you shop online at places like these:
- Amazon
- Uber
- PayPal
- AirBnB
Use your Credit Card to pay your regular bills from Netflix to Spotify and you’ll automatically earn rewards every time.
Your security when shopping is our top priority. From built-in Card safety features, to fraud protection and 3D® Secure payment technology, we’ve ensured that everything is in place to keep you protected when you use your Credit Card at home and abroad.
So no matter where you are in the world, whether you’re buying online or hitting the high street, you can shop quickly, easily and with total confidence.
Authentication
When you shop online, in-store with contactless and when you access your Online Account you may need to verify yourself. So you can receive verification codes, make sure you have added your mobile number to your Online Account.
Card Identification number (CID)
Your 4-digit Card Identification number is an added security feature to help protect you against fraud. Your 4-digit Card Identification number can be found on the front of your Credit Card, towards the right, and printed flat (unlike the Credit Card number). You may be asked for this number during phone and online transactions.
SafeKey®
As a new Cardmember, we want you to feel confident shopping online with your Credit Card. We use SafeKey3 to perform security checks to make sure it’s really you who’s using your Credit Card online.
Most of the time, SafeKey works in the background when you're checking out online. When we need to perform additional security checks, we will ask you to verify your identity by:
- Entering a unique verification code, which we’ll send to you via SMS or email. Please make sure your contact details are up-to-date.
- If you have enabled American Express App notifications, we may send you a push notification to confirm your purchase and sometimes you may need to log into the App to approve the transaction.
- Occasionally we may need to ask for more than one piece of information, in those cases we will need you to enter part of your Card PIN.
Check out faster with Express List
You can add websites you frequently shop at to your Express List in your Online Account or through SafeKey. This means you don’t have to go through additional security checks every time you shop there, unless we need to make sure it’s you.
Fraud Alerts
If we spot something unusual in your spending patterns, we’ll send you an alert by SMS and/or email instantly. Simply reply with a ‘yes’ or ‘no’ to verify if it was a purchase you authorised. Make sure your contact details are up-to-date.
Your American Express Card gives you the freedom to pay off your balance over several months or all at once. So you have the flexibility you need while continuing to earn points on your purchases.
How does a Credit Card work?
A key benefit of a Credit Card is its flexibility, you can purchase things now and pay for them in the future either in one go or in monthly installments. When you opened your Credit Card Account, you were given a credit limit which is the maximum amount you can spend. You can find out what your credit limit is, by checking the letter we sent you with your new Credit Card attached to it or by checking your balance online at americanexpress.co.uk. It’s important to remember that if you don’t pay off your balance in full every month then you will be charged interest until full repayment has been received. You can see your interest rate in your Terms and Conditions.
You can decide how much of your balance to pay off but we would recommend you pay off as much of your balance as possible.
We will require you to make a minimum payment each month. You can see how your minimum due is calculated in the Summary Box, which is in your statement.
For more information on Credit Card fees and charges please click here
Managing your Account
From temporarily freezing your Credit Card to checking out Amex Offers, you can manage your Account safely and securely anytime, anywhere with the Amex App.
To explore all the features of the Amex App, click here.
From balance updates to payment reminders, our wide range of alerts can help you keep on top of your Account. You can manage the alerts yourself online, or you can let us know when you register for an Online Account if you want to receive alerts on your mobile or by email. You can even place your Account alerts on hold when travelling, or change the time zone in which they arrive.
If your Credit Card is lost, stolen, damaged or not received you can order a replacement Credit Card for yourself or your additional Cardmembers on your Account quickly and securely using your Online Account. If your Credit Card is lost, stolen or not received we will cancel your Credit Card immediately and send a replacement Credit Card to you. If your Credit Card is in your possession and is damaged you can continue using your Credit Card until your replacement arrives. If you have your Credit Card with you but do not have an Account, you can set up an Online Account in just a few steps. If you do not have an Online Account to report and replace your Credit Card, please contact us immediately.
Order a replacement Credit Card for damaged, lost or stolen Credit Cards
Video: How to order a replacement Credit Card online
An Additional Card5 allows you to add someone else like a partner or a close family member as a Cardholder onto your Account. They will get their own Card sent in the post and once set up - when they spend, you earn the rewards. You can track both of your spending easily through the Amex App. Adding a Card is complimentary as part of your annual membership, and just another way we back you, so you can back those around you.
Earn more points, more often
The Marriott Bonvoy™ American Express® Card is all about getting even more value out of your shopping on the high street, online and abroad.
Come back with more points to plan your next escape
As well as helping you unwind, your holiday can reward you in other ways too – with lots of points. You'll also get points when you stay at any the world’s most unique hotels and resorts across 30 brands in 132 countries including St. Regis®, The Luxury Collection®, W® Hotels, Le Méridien®, Westin®, Sheraton®, The Ritz-Carlton®, JW Marriott®, Renaissance® Hotels, EDITION®, Autograph Collection® Hotels and Marriott Hotels®. Remember, wherever you stay with American Express, you'll get points on all the travel, meals, excursions and more if you pay with your Credit Card. Visit marriott.co.uk to get started. You’ll find all kinds of ideas on places to go and things to do.
An Additional Card4 allows you to add someone else like a partner or a close family member as a Cardholder onto your Account. They will get their own Card sent in the post and once set up - when they spend, you earn the rewards. You can track both of your spending easily through the Amex App. Adding a Card is complimentary as part of your annual membership, and just another way we back you, so you can back those around you. Please ensure the Supplementary Cardmember is aware that their details will be provided for the Card application.
Invite your friends to take out an American Express Card and earn bonus points6 if they are approved. You could earn up to 90,000 points every year by inviting your friends. Your friend will also get bonus points too if approved. Please only share with friends and family who are happy to receive information from us.
Visit marriott.co.uk and you'll get a great choice of flights, hotels, resorts and holiday packages. Don't forget, you could earn points on all your holiday purchases if paid for on your Marriott Bonvoy™ American Express® Card.
Amex Offers
With Amex Offers, you can enjoy a delightful range of offers across dining, retail, travel, and more. To choose from our enticing range of offers, from statement credits to extra points, just follow these three steps.
Step 1
Log in to your Account, select the 'Offers' tab and save an Offer to your Card.
Step 2
Use your Card when you spend at the business.
Step 3
Get a statement credit to your Account.
Gold Elite status
Spend over £15,000 per anniversary year and we'll upgrade you to Gold Elite status. Enjoy up to 25% more points when you stay at over 7,000 hotels participating in Marriott Bonvoy, plus automatic room upgrades, late checkout and more10. If you're already a Gold Elite member, this will confirm your status for another year.
15 Elite Night credits
Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy™ American Express® Credit Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy programme11.
Free Night Award
Plus, when you spend over £25,000 per anniversary year, you'll earn a Free Night Award and stay at some of the world's most extraordinary destinations12. Your Free Night Award will be open to you for one whole year to redeem so you can take your time and choose a day to remember - you'll have the choice of a single or double standard room at up to 25,000 points.
Take a look at the exceptional places you could soon be visiting with your Free Night Award by visiting marriott.co.uk
Luxury Property Credit
Book direct with Marriott for a 2 night minimum stay at The Ritz-Carlton® or St. Regis® and get up to $100 in credit for qualifying charges13.
American Express has always been known for the unbeatable service we offer Cardmembers when they’re travelling.
Travel Accident Insurance
With your Credit Card you are covered for up to £150,000 in the event of loss of life, limb, sight, speech or hearing, when public transport tickets are charged to the Credit Card. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Travel Inconvenience Protection
When travel is purchased on your Card you’ll get up to £150 cover for flight delays, overbooking or missed connecting flight. You'll also get up to £600 cover if you're left without your luggage at your destination for more than 6 hours and up to a further £850 cover for extended baggage delays. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Purchase Protection
You're covered for up to £2,500 per eligible item if a purchase made on your Credit Card is accidentally damaged or stolen within 90 days. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Refund Protection
If a UK store refuses to refund any eligible item over £25 within 90 days of purchase on your Credit Card, you’re protected for the purchase price, up to £250. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Online Fraud Guarantee
If something’s stolen from your Account or you see a charge you don’t recognise, we’ll remove it and investigate. You can shop online knowing you’ll never be held responsible for any unauthorised online purchases.
We know our Cardmembers love to go to different events, which is why we are pleased to be able to offer access to presale tickets to some of the hottest acts in town before they go on sale to the public. So whether it's at home, film, music, theatre or dining, American Express gives you access to purchase tickets for incredible events that feed your passion for life.14
Explore some of the world's most unique hotels and find your dream destination at marriott.co.uk
Online Account
From paying your bill to viewing your PIN, an Online Account lets you manage your Account easily and at your convenience, 24/7.
Amex App
Download the Amex App and you can manage your Account whether you’re in the comfort of your home or on the go. Plus, wherever you are in the world, you can access 24/7 support through Chat with Us.
FAQs
24/7 Global Assist®
+44 (0) 20 3126 4113
Our 24/7 Global Assist service means help is always close at hand wherever you are. Should you need medical and legal advice, have any passport, customs or visa issues, even if you lose your Credit Card, we’re just a phone call away ready to help, wherever you are.
1. There is no payment limit for Apple Pay transactions at many merchants that accept American Express contactless payments (a payment limit of £100 in a single transaction* may apply at some merchants). Works with iPhone, Apple Watch, iPad and Mac. Requires iOS 8.3 or higher. See a full list of compatible devices and find detailed information on using Apple Pay here.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
2. Contactless payments are possible at retailers with American Express contactless technology. Participating stores only. Please check in-store for details. For purchases of up to the value of £100 in a single transaction at stores accepting American Express contactless. Some retailers may still only accept up to the previous £45 limit. Effective 15 October 2021, the increased £100 in a single transaction contactless payment limit will be rolled out as quickly as possible across retailers. Check in-store for more details. For more information, visit americanexpress.co.uk/contactless.
3. For more information and to view Terms and Conditions, please read our SafeKey FAQ’s.
4. The term additional refers to the American Express Supplementary Card programme. Supplementary Cards can be requested for anyone aged 18 or over. If approved, you will be responsible for any spending on your Account made by the Supplementary Cardmember. Please ensure the Supplementary Cardmember is aware that their details will be provided for the application. For full information including information on the Additional Card programme, please visit americanexpress.com/uk/benefits/supplementary-cards/ You are entitled to up to 99 complimentary Supplementary Cards on Marriott Bonvoy™ American Express® Card, subject to approval.
5. With the Marriott Bonvoy™ American Express® Card you will earn 6 points of uncapped spend from American Express for each £1 of eligible purchases that are charged on your Marriott Bonvoy Credit Card from American Express, when charged directly with participating Marriott properties. You will earn 2 points for virtually every full £1 spent on other purchases charged per transaction. Points are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges
6. If you are eligible to participate in the Referral Programme, you may refer as many friends or family members as you wish but there are annual limits on the rewards you can earn through referrals. Please visit americanexpress.com/en-gb/referral to find out more. Please only refer friends and family who are happy to receive information from American Express. You can earn up to a maximum of 90,000 bonus points per calendar year. Your friend must apply via the link you share with them to ensure you both receive your bonus. All introductory offers are subject to change and can be withdrawn at any time. Your friend will receive rewards depending on the Card they choose and their spend on this Card. Your Card Account's eligibility to participate in the Referral Programme is based on your overall credit rating and other factors including your Account history with American Express. If payments to your American Express Card Account are not kept up to date, you could lose your bonus points. You will not be eligible to receive any welcome bonus offer if you hold or have held any personal American Express Cards in the past 24 months.
7. Free Night Award and no blackouts applies to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full Terms and Conditions, visit marriott.co.uk.
8. Ticket Price includes Taxes and Fees. Other fees may apply. To view the full terms and restrictions, visit marriott.co.uk.
9. Transfer ratios and maximums apply and vary by airline. Members have a minimum transfer requirement of 3,000 points. To view the full Terms and Conditions visit marriott.co.uk.
10. If you reach £15,000 in net purchases charged to your Account in any Cardmembership year, you (the Basic Cardmember) will be enrolled for at least twelve months in the Gold Elite Tier of the Marriott Bonvoy loyalty programme (unless you are already enrolled in an equivalent or higher level - Marriott associates excluded). Please allow 12–16 weeks after your eligible spending equals or exceeds such amount for the applicable year for enrolment to become effective. On the annual reset date, the amount of annual net purchases resets to zero. Additional Terms and Conditions apply.
11. To be eligible to receive the 15 Elite Night Credits with this Card, you must be the Basic Cardmember, your Card Account must be in good standing at the time of the 15 Elite Night Credit deposit, and you must have an active Marriott Bonvoy programme account. To receive the 15 Elite Night Credit deposit, your Card Account must be linked to a Marriott Bonvoy programme account in your name. You will receive a maximum of 15 Elite Night Credits per calendar year even if you have more than one Marriott Bonvoy Credit Card Account or have more than one Marriott Bonvoy programme account. American Express is not responsible for fulfillment of this benefit. It will take approximately 8 weeks from Card Account approval date for the credits to be applied to your loyalty account.
12. If you reach £25,000 in net purchases charged to your account in any Cardmembership year, you will earn a Free Night Award, redeemable within 1 year for an available single or double occupancy standard room at hotels participating in Marriott Bonvoy properties up to 25,000 points. Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Additional Terms and Conditions apply.
13. To receive the $100 USD property credit (“Property Credit”), you must book using the Member rate named "$100 Property Credit, Luxury Credit Card Rate" and pay, upon checkout, with your eligible Marriott Bonvoy American Express Card. When you book through www.marriottbonvoy.com or by calling Marriott Bonvoy at 0800-450-4442, for a two-night minimum stay at The Ritz-Carlton® or St. Regis® using the Member rate named "$100 Property Credit, Luxury Credit Card Rate", you will be eligible to receive a Property Credit of up to $100 USD per booking to be used on qualifying purchases on property including dining, spa services and hotel recreational activities that are not managed by a third party. When booking online, you must be logged into the Marriott Bonvoy account linked to your Card account to be eligible to book this rate. When booking by phone, please reference the "$100 Property Credit, Luxury Credit Card Rate" Member rate. You must confirm you are booking the correct $100 Property Credit rate at time of booking. Card Member will receive a credit equal to $1 USD for each dollar of qualifying charges made at the property under the Card Member's booking, up to $100 USD. The Property Credit will be applied as a credit on your bill upon checkout (and not on your American Express billing statement). Qualifying charges do NOT include property fees, taxes, gratuities and the cost of the room. Additional exclusions based on specific hotel restrictions may also apply (including, without limitation, purchases within the hotel that are made with a third-party merchant and alcohol where prohibited by local ordinances). Please see the applicable hotel front desk for details. You must use your eligible Marriott Bonvoy American Express Card to pay your bill upon checkout. Stays booked by the Basic Card Member on the eligible Card account are eligible for the $100 USD Property Credit benefit. Additional Card Members on your account are not eligible for this benefit. Each booking is only eligible to receive a property credit of up to $100, regardless of the number of rooms booked. The Property Credit cannot be carried over to another stay, is not redeemable for cash, and expires at checkout if not used on qualifying purchases on property during the stay. The Property Credit is non-exchangeable, non-transferable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate at time of checkout. May not be combined with other offers or programs unless indicated. Back-to-back stays within a 24-hour period at the same property are considered one stay. Property Credit does not apply to packages, discounts, negotiated or group rates. Property Credit does not apply to American Express FHR-THC-Centurion, Virtuoso, Signature Ensemble, TLG Select, Ritz-Carlton Club Members and Ritz-Carlton and St. Regis Resident Owners offers booked through HRS.
14. Terms and exclusions apply. Visit the entertainment hub for more information.
The Marriott Bonvoy™ American Express® Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Copyright© 2022. American Express Company. All Rights Reserved.