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  1. Credit Cards
  2. Marriott Bonvoy Business®
American Express

Marriott Bonvoy Business®

Built for business owners who frequently stay at Marriott properties, the Marriott Bonvoy Business® American Express® Card delivers automatic elite status alongside bonus points on key business categories. Its annual free night award easily offsets the moderate annual fee, making it a low-maintenance addition to a travel toolkit.

Welcome Offer
Earn up to 125,000 Points
Annual Fee
$125
Rec. Credit Score
Excellent
Good For
Marriott loyalists and business owners
How to ApplyEstimate your value
Marriott Bonvoy Business®

All information about Marriott Bonvoy Business® has been collected independently by MaxRewards. Marriott Bonvoy Business® is no longer available through MaxRewards.

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® worth it?

This card is great for...

Annual Marriott award stays

Accelerated Bonvoy elite status

Everyday business expenses

For small business owners who regularly book Marriott hotels, holding this card is a straightforward decision. The $125 annual fee is largely covered by the annual free night award received upon renewal, which can be redeemed at properties costing up to 35,000 points. Cardholders also get automatic Gold Elite status, a 7% discount on eligible direct Marriott bookings, and 15 annual elite night credits that can stack with a personal Marriott card to help unlock higher elite tiers.

However, the card is far less compelling if you prefer flexible rewards or rarely stay at Marriott properties. While 4x points on dining, gas, shipping, and wireless services look solid on paper, Marriott points carry a lower baseline value than transferable travel currencies, so general spending might be better served elsewhere.

MaxRewards

MaxRewards Verdict

This card provides outstanding ongoing value for business owners loyal to Marriott who can use the annual free night award, though non-loyalists will get more flexibility from general travel cards.

Welcome Offer

Earn up to 125,000 Points

  1. 1

    75,000 Points

    Spend $6,000 in first 6 months

  2. 2

    +50,000 Points

    Spend an additional $3,000 in first 6 months

  3. Spend $9,000 total → 125,000 Points in 6 months

Offer details

100,000 Points after you spend $8,000 on purchases on your new card in your first 6 months of card membership.

Earning

Rewards

You will earn Marriott Bonvoy points on every purchase, with higher multipliers focused on hotel stays, business operations, and dining.

CategoryRate

Marriott

4.2%

Dining

2.8%

Gas

2.8%

Shipping

2.8%

Telecommunication

2.8%

Everywhere

1.4%

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

Annual Credits & Perks

Benefits

The card features a selection of travel protections, status perks, and an annual hotel certificate that together easily outweigh the annual fee.

BenefitAnnual value
$250

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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Marriott Bonvoy Business®Venue Collection
Autotracked
$0 of $250Every 12 months

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

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.


Car Rental Loss and Damage Insurance

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, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


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.


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.


Premium Car Rental Protection

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.

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.

Eligibility

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent 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

Questions

Frequently Asked Questions

Earn up to 125,000 Points after spending $9,000 in the first 6 months.

We value the full offer at about $875, based on MaxRewards' Marriott valuations.

You need to spend $9,000 within 6 months of account opening to earn the full offer — about $1,500 per month on average.

Table of Contents

Marriott Bonvoy Business®

Marriott Bonvoy Business®

How to Apply

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
Business PlatinumBusiness Platinum

300,000 Points

Worth $4,500

After you spend $20,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Business GoldBusiness Gold

200,000 Points

Worth $3,000

After you spend $15,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%6%Choice
  • 2.25%6%Choice
  • 2.25%4.5%Air Travel (amextravel.com)

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

Amex PlatinumAmex Platinum

175,000 Points

Worth $2,625

After you spend $12,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Airline
  • 2.25%7.5%Car Rental (amextravel.com)

Annual Fee

$895

Rec. Credit

Excellent

View card details

Terms Apply.