American Express Transfer Bonus: 30% To Marriott (1:1.3)

you’re holding American Express Membership Rewards points 💳 and considering using them for Marriott Bonvoy, a transfer bonus might make that more enticing than usual. But before you hit “transfer,” let’s dig into whether this is truly a savvy move or just tempting on the surface.

What’s the Deal? 📈

Typically, AmEx Membership Rewards can be moved to Marriott Bonvoy at a 1:1 base ratio (i.e. 1,000 MR → 1,000 Marriott points). Right now, there is a promotion offering a 30% transfer bonus, meaning you’d receive 1,300 Marriott points for every 1,000 MR points sent.

The promotion is valid through November 30, 2025 ⏳.

Key Terms to Watch ⚠️

As with all bonus transfers, the devil is in the details:

• ✅ The bonus applies on net transferred points above the standard 1:1 ratio.
• 🔒 Transfers are final — once your MR points hit Marriott, you can’t reverse them.
• 🗓️ The bonus is only active through the promotion period.
• 👤 Some accounts may not be eligible depending on AmEx targeting.
• 🏨 Marriott’s dynamic pricing may impact how much value you actually get.

Why It’s Tempting (But Proceed With Caution) 🤔

Here’s why people might jump on this:

• 💰 30% is a healthy bump, turning 1,000 → 1,300.
• 📅 Great if you already have a Marriott stay in mind.
• 🚪 Offers a useful outlet if you’re not maximizing MR elsewhere.

But here’s why you should think twice:

• 📉 MR points are often more valuable when transferred to airlines.
• 🔮 Marriott devaluations can make points worth less later.
• 💡 Opportunity cost: waiting might bring a better bonus elsewhere.

When This Promotion Makes Sense 🎯

This transfer could be smart if:

1. 🛏️ You have a Marriott stay booked (or planned).
2. 🌍 You’ve already used MR for better airline deals.
3. ⏰ You don’t expect stronger bonuses soon.
4. 🙌 You’re okay with potential hotel point inflation.

Verdict & Strategy 🧳

The 30% bonus is a nice-to-have but not a must-do. For many, MR points shine brighter elsewhere ✨.

If you take part:

• 🔑 Only transfer what you’ll use soon.
• 📊 Compare Marriott redemptions vs. airline value.
• 👀 Stay alert for future promos that could be even better.

Sometimes the best move is patience — but if you’ve got a dream Marriott stay in mind 🏝️, this bonus could be the right push.