MaxRewards Logo
  • Home
Sign InSign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. Marriott Bonvoy Business® American Express® Card
American Express

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card is built for small business owners who frequently stay at Marriott properties and want to fast-track their loyalty status. It combines elevated rewards on core business expenses with an annual free night certificate that easily covers the card's annual fee.

Welcome Offer
Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points
Annual Fee
$125
Rec. Credit Score
Good
Good For
Marriott business travelers
How to ApplyEstimate your value

Terms Apply. For rates and fees of Marriott Bonvoy Business® American Express® Card, please visit the American Express website.

Marriott Bonvoy Business® American Express® Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Marriott Bonvoy Business® American Express® Card worth it?

This card is great for...

Annual Marriott award stays

Marriott status acceleration

Common business expense categories

For business owners who stay with Marriott even once or twice a year, this card is effortless to justify. The $125 annual fee is largely offset by the annual Free Night Award received after renewal, redeemable for properties up to 35,000 points. You also receive complimentary Gold Elite status, a 7% discount on eligible Marriott bookings, and 15 Elite Night Credits each calendar year, which can be stacked with credits from an eligible personal Marriott card to reach higher status tiers much faster. Earning 6x points at participating Marriott properties along with 4x points on worldwide dining, U.S. gas stations, shipping, and wireless telephone services allows business spending to build up points balances quickly. The main trade-off is that Marriott points are best redeemed within the hotel chain, so businesses seeking general travel flexibility or cash back might prefer a general business card instead.

MaxRewards

MaxRewards Verdict

This card delivers outstanding ongoing value for small business spenders who visit Marriott hotels, easily paying for itself through its annual free night award and elite perks.

Welcome Offer

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points

after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Est. Value

$525

Required Spend

$6,000

Time Frame

6 Months

Est. Value

$525

Required Spend

$6,000

Time Frame

6 Months

Earning

Rewards

Cardholders earn Marriott Bonvoy points on all purchases, with top rates reserved for Marriott stays and common business spending like gas, dining, shipping, and phone services.

CategoryRate

Hotels (Marriott Bonvoy® Program)

4.2%

Restaurants (Worldwide), Gas Stations (U.S.), Wireless Telephone Services (Directly From U.S. Service Providers), Shipping (U.S. Purchases)

2.8%

All Other Eligible Purchases

1.4%

Rewards percent based on a valuation of 0.7¢ per Marriott point

Benefits

Credits

15 Elite Night Credits

Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy® Elite Status with your Marriott Bonvoy Business American Express Card. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.

Benefits

Insurance

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Premium Car Rental Protection

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.

Benefits

Status & Access

Complimentary Marriott Bonvoy® Gold Elite Status

Basic Card Members will enjoy complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business American Express Card. With Gold Elite status, you can receive upgrades to enhanced rooms upon check-in when available. Available only at select properties when booked with a Qualifying Rate.


Premium On-property Internet Access

Receive free in-room, premium Internet access. Booking requirements apply.


Amex Special Ticket Access

Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Benefits

Other

Annual Free Night Award

Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.


Additional Free Night Award

Earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.


Marriott Bonvoy® Room Rate Discount

Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business American Express Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.


Earn 4X Marriott Bonvoy® Points

Earn 4 points for each dollar of eligible purchases at restaurants worldwide, at standalone U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.


Earn 2X Marriott Bonvoy® Points

Earn 2 points for each dollar on all other eligible purchases.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$125

Purchase APR

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

N/A

Cash Advance

Either $5 or 3% of the amount of each cash advance, whichever is greater.

Late Payment

Up to $39

For rates and fees of Marriott Bonvoy Business® American Express® Card, please visit the American Express website.

Table of Contents

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

How to Apply

Terms Apply. For rates and fees of Marriott Bonvoy Business® American Express® Card, please visit the American Express website.

For rates and fees of Marriott Bonvoy Business® American Express® Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5X5Xpoints on flights and prepaid hotels on AmexTravel.com
  • 5X2Xpoints on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 5X1Xpoints on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X4XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 5X3XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X5XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 5X5Xpoints on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 5X1Xpoints on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.