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

Marriott Bonvoy Business® American Express® Card

This card is built for small business owners who stay with Marriott often enough to use a free night every year and want business-friendly bonus categories along the way. It works best as a Marriott-focused travel card rather than a general everyday spender, with the strongest value coming from hotel stays, business purchases like shipping and wireless service, and the built-in elite night boost.

Welcome Offer
Earn up to 125,000 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...

Marriott hotel stays

Business dining, gas, and shipping

Annual free night value

For a Marriott-loyal business owner, this card is easy to justify. The $125 annual fee is modest for a hotel card, and the annual free night alone can cover a large share of that cost or even exceed it if you redeem it well. Add in 15 elite night credits, automatic Gold Elite status, and elevated earnings at Marriott plus a few practical business categories, and it has a clear role for someone who regularly stays within the Bonvoy ecosystem.

It is less compelling if Marriott is not your main hotel brand or if you are unlikely to use the free night certificate each year. The non-Marriott earning rates are decent in a few categories but not strong enough to make this a top primary business card on their own. Most readers should think of it as a keeper card for Marriott benefits and occasional category spending, not the one card to put every purchase on.

MaxRewards

MaxRewards Verdict

This is a strong fit for business owners who regularly book Marriott and will consistently use the annual free night and elite night credits. If your hotel loyalty is split or you want broader everyday business rewards, its value drops quickly.

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

Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.

Earning

Rewards

The rewards structure makes the most sense if Marriott is already part of your travel routine. You earn the most on Marriott stays, pick up useful bonus points in a few common business categories, and earn a lower return everywhere else.

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

Annual Credits & Perks

Benefits

The practical value here comes less from luxury extras and more from repeat-use Marriott perks. The annual free night, elite night credits, status, and member rate discount do most of the work in offsetting 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® American Express® CardVenue 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: 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

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$5

Late Payment

$39

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

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® 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 $3,000

After spending $20,000 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. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

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

Worth $2,000

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.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

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

Worth $1,750

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.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.