British Airways American Express Credit Card vs Marriott Bonvoy American Express (UK)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | British Airways American Express Credit Card | Marriott Bonvoy American Express (UK) |
|---|---|---|
| Annual fee | No annual fee | · £95 |
| Joining fee | = None | = None |
| Top reward rate | · 1% (general) | 2x (general) |
| Base reward rate | · 1% | 2x |
| Forex markup | = N/A | = N/A |
| Welcome bonus | = 5,000 Avios after £2,000 spend in three months | = 20,000 Marriott Bonvoy points after £3,000 spend in three months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = £15,000 | = Not verified |
| Min credit score | = N/A | = N/A |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
British Airways American Express Credit Card
- 1 Avios for every £1 spent on purchases
- No annual fee
- Travel accident cover up to £75,000 on public transport bought with the card
Marriott Bonvoy American Express (UK)
- 2 Marriott Bonvoy points for every £1 spent
- One free night (up to 25,000 points) after £25,000 of spend in an anniversary year
- Gold Elite status when you spend £15,000 a year, and 15 Elite Night Credits
FAQ
›British Airways American Express Credit Card vs Marriott Bonvoy American Express (UK): which is better?
It's a true tie, pick the one whose boost categories match your spend. British Airways American Express Credit Card wins on 2 criteria, Marriott Bonvoy American Express (UK) on 2.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use British Airways American Express Credit Card for its best categories, Marriott Bonvoy American Express (UK) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
British Airways American Express Credit Card: 5,000 Avios after £2,000 spend in three months. Marriott Bonvoy American Express (UK): 20,000 Marriott Bonvoy points after £3,000 spend in three months.