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Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express<sup>®</sup> Card

Marriott Bonvoy Business™ American Express® Card

Rewards Rate
6x points at hotels participating in the Marriott Bonvoy™ program.
Welcome Offer
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Extra Perks
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
Edited by
Julie Sherrier
Reviewed by
Benét J. Wilson
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Marriott Bonvoy Business™ American Express® Card best for?

If you travel regularly on business and prefer to stay at Marriott-branded hotels, having the new Marriott Bonvoy Business™ American Express® Card is a serious option to consider, thanks to new perks and a generous welcome offer.

Now that you have access to more than 6,700 hotels under the Marriott Bonvoy™ loyalty program and changes in spending categories, you’ll have more ways to earn and redeem points with this new card.

The Marriott Bonvoy Business™ American Express® Card comes with the travel and purchase benefits you want with an American Express-branded card. It also comes with tools that help you manage you and your employees’ expenses on the card, plus access to concierge services that are helpful while on the road.

The Marriott Bonvoy Business™ American Express® Card is a great option for those who are Bonvoy loyalty program members. If not, then you may want to look at another travel-branded credit card, such as the American Express® Business Gold Card, which gives businesses more spending flexibility, better ways to earn and redeem points and doesn’t tie you to the Marriott brand.

 

Marriott Bonvoy Business™ American Express® Card overview

    • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
    • 6x points at hotels participating in the Marriott Bonvoy™ program.
    • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
    • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
    • Terms apply.
  • Credit needed:
    680 850
    Excellent/Good
  • Baggage insurance
  • Global Assist® Hotline
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase and return protection

Intro Purchase APR

N/A

Regular Purchase APR

15.74% - 24.74% Variable

Intro BT APR

N/A

Regular BT APR

N/A

Annual Fee

$125

Cash Advance Fee

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

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

Pros and cons

Pros

  • Welcome offer
  • Generous rewards rate
  • Free night award
  • Automatic Silver Elite status
  • 15 Elite Night Credits annually
  • Ability to transfer points to airlines

Cons

  • High spend requirement to achieve Gold Status
  • No trip delay/interruption/cancellation insurance
  • Annual fee

What we like about the Marriott Bonvoy Business™ American Express® Card

  • Welcome offer

    Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.

  • Free night award

    Every year on your card anniversary, cardholders will receive a free night award at a participating Marriott Bonvoy hotel for a redemption level of 35,000 points (not including any resort fees).

    And if you spend $60,000 on the card in a calendar year, you’ll earn another free night award of the same value.

  • Automatic Silver Elite status

    Marriott Bonvoy Business™ American Express® Card holders receive complimentary Silver Elite status, which allows for priority late checkout (when available) and 10% bonus points on stays.

    Plus, you get 15 Elite Night credits every year to help you move up to the next status level.

    If your business racks up $35,000 on the card in any calendar year, you will be automatically upgraded to Gold Elite status, which includes 2 p.m. late checkout and enhanced room upgrades (if available), among other perks.

  • Generous rewards rate outside of Marriott stays

    What sets the Marriott Bonvoy Business™ American Express® Card apart from many of its competitors is its generous rewards rate for purchases made outside Marriott stays: 6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

  • Points transfer opportunity

    Another big attraction is the ability to transfer Bonvoy points to more than 40 airline frequent flyer programs, mostly at a 3:1 ratio. You also receive a 15,000-point bonus every time you transfer 60,000 points to a participating frequent flyer program.

To see the rates and fees for the Marriott Bonvoy Business™ American Express® Card, please click here.

What to watch out for with the Marriott Bonvoy Business™ American Express® Card

  • Annual fee

    The annual fee for the Marriott Bonvoy Business™ American Express® Card is $125. That said, if you take advantage of the welcome offer in the first three months of having the card, that effectively negates the annual fee the first year.

  • Limited travel benefits

    The travel benefits are limited with the Marriott Bonvoy Business™ American Express® Card. Compared to many other American Express travel rewards cards, the Marriott Bonvoy Business™ American Express® Card does not come with some standard coverage, such as for trip cancellation, interruption or delay protection or even cellphone protection.

  • No automatic Gold status

    While you get automatic Silver Bonvoy status, that is the lowest status tier in the Marriott Bonvoy program. Unlike other hotel-branded business credit cards, this one doesn’t give you automatic gold status. You must spend $35,000 or more in a calendar year to upgrade to Bonvoy Gold.

To see the rates and fees for the Marriott Bonvoy Business™ American Express® Card, please click here.

Alternate business card

Compare it to the American Express® Business Gold Card

Disclosures |
American Express® Business Gold Card
American Express® Business Gold Card
on American Express's secure site
Terms Apply
N/A
14.24% - 22.24% Variable
$295
Get 4X Membership Rewards® points on the 2 select categories where your
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
  • *Terms Apply
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you don’t want to be tied to one hotel loyalty program and want more flexibility in earning and redeeming miles, you may want to consider the American Express® Business Gold Card as an alternative to the Marriott Bonvoy Business™ American Express® Card.

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* For ongoing rewards, get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*.

It’s nice that you can choose two spending categories to earn higher rewards, including airfare purchased directly from airlines, advertising in select media (online, TV, radio), purchases made directly from select technology providers of computer hardware, software, and cloud solutions, gas stations, restaurants and shipping.

Note that there’s a $150,000 yearly cap on your chosen spending categories; after that, it drops to a point per dollar spent, even on employee cards.

Like the Marriott Bonvoy Business™ American Express® Card, the American Express® Business Gold Card comes with business tools such as free employee cards, an account manager, access to the American Express® Business App and the ability to transfer transaction data from your online statement directly into a QuickBooks account.

Transfer your Membership Rewards® points to 18 airline and three hotel loyalty programs. Use your points for travel, gift cards, online shopping and paying for points on websites like Amazon.com, Ticketmaster.com and Walmart.com. You can also donate your points to charities through Just Giving.

When you book flights at American Express Travel using Membership Rewards Pay with Points, you’ll get 25% of them back, up to 250,000 points back per calendar year.

The card comes with the Pay Over Time option, which lets you carry a balance with interest on purchases of $100 or more. And it doesn’t come with a pre-set spending limit, giving you flexibility when it comes to purchasing power.

The American Express® Business Gold Card offers most of the same travel and purchase benefits as the Marriott Bonvoy Business™ American Express® Card.

Get access to travel discounts and amenities when you enroll in The Travel Collection by Travel Leaders Group at no additional cost. Plus, the Hotel Collection offers cardmembers a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival when available, at americanexpress.com/hc.

All this comes at a higher annual fee of $295.

To see the rates and fees for the American Express® Business Gold Card, please click here.

Compare the Marriott Bonvoy Business™ American Express® Card to similar cards

Comparison of four different credit cards
Marriott Bonvoy Business™ American Express<sup>®</sup> Card American Express<sup>®</sup> Business Gold Card Ink Business Preferred℠ Credit Card Ink Business Cash<sup>®</sup> Credit Card
Marriott Bonvoy Business™ American Express® Card American Express® Business Gold Card Ink Business Preferred℠ Credit Card Ink Business Cash® Credit Card
Apply Now
on American Express's secure site
Terms Apply
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on American Express's secure site
Terms Apply
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Welcome Offer
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Annual Fee
$125 $295 $95 $0
Rewards Rate
6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month* Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Regular APR
15.74% - 24.74% Variable 14.24% - 22.24% Variable 15.99%-20.99% Variable 13.24% - 19.24% Variable
Recommended Credit
Excellent/Good Excellent/Good Excellent Excellent
Card Details
Marriott Bonvoy Business™ American Express® Card American Express® Business Gold Card Ink Business Preferred℠ Credit Card Ink Business Cash® Credit Card

Is the Marriott Bonvoy Business™ American Express® Card right for you?

The Marriott Bonvoy Business™ American Express® Card offers a generous welcome offer, higher points in spending categories that are important to businesses and some nice travel and purchase perks. If you’re loyal to the more than 6,700 properties under the Marriott family, you can redeem those points for hotel room and upgrades, along with travel, gift cards and unique experiences.

But if you don’t want to be tied to using your points with Marriott and its partners, the American Express® Business Gold Card may be a better option.

Its higher annual fee comes with more benefits than the Marriott Bonvoy Business™ American Express® Card, including an ability to choose which spending categories you want for higher points, stronger tools to help manage your business and extra travel, purchase protection and business perks. It also has more ways to redeem your points with the Membership Rewards program.

Marriott has done a good job beefing up the Marriott Bonvoy Business™ American Express® Card. And its limited-time welcome offer is a great way to entice new cardmembers. But you must be loyal to Marriott hotel brands to get the most out of this card.

To see the rates and fees for the Marriott Bonvoy Business™ American Express® Card, please click here.
To see the rates and fees for the American Express® Business Gold Card, please click here.

Apply Now
on American Express's secure site
Terms Apply