American Express: Marriott Bonvoy card 100,000 point welcome bonus

The usual bonus for this card is 50,000-60,000 points. Now:70,000 points after spending $3,000 in first 3 months

30,000 points after spending $500 in month 13 of holding the card

If you don't see this offer, try a different browser, or using private browsing mode or using a different computer or OS or turning on VPN. Amex likes to play around with who can see these elevated offers and when.

Annual fee is $120 so you'll have to pay it twice to get the full payout.

I value Bonvoy points at between 0.8¢ and 1.2¢ each, so the welcome bonus is worth $800-$1,200 minus $240 in annual fees = $560-$960.

Holding the card long term after you get the bonus, even if you never use it again, is well worth it because you get a free night certificate worth up to 35,000 points every year, which more than makes up for the ongoing annual fee. Where else can you get a night in a decent hotel for $120 nowadays?