You can compare a maximum of 6 cards.

Marriott Bonvoy Business™ American Express® Card

  • Regular Purchase APR 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $125
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • ◉  6X Marriott Bonvoy Points per $1 at participating Marriott Bonvoy hotels
  • ◉   4X points per $1 at U.S. restaurants, gas stations, wireless telephone services, and on shipping purchases
  • ◉   2X points on all other eligible purchases
  • ◉   Complimentary Marriott Bonvoy Silver Elite Status
  • ◉   1 Free Night Award each year after cardmember anniversary
Rates & Fees
  •  Regular Purchase APR: 17.24% to 26.24% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 29.99% variable based on the Prime Rate
  •  Annual Fee: $125
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: $39
  •  Credit Needed: Excellent , Good

 

At a Glance

A business and hotel credit card that leans heavily on earning points, the Marriott Bonvoy Business™ American Express® Card takes care of your company costs while rewarding you at the same time. The card earns 6 points for every dollar spent with Marriott brands, 4 points on gas and restaurant purchases within the U.S., as well as U.S.-based wireless service providers, when paying for shipping on U.S. purchases, or when booking flights directly with airlines, and 2 points for every other dollar spent. New accounts also receive 75,000 bonus Bonvoy points when they use their authorized cards to make just $3,000 in purchases within the first three months – worth up to 10 free nights.

Ideal for Those Who:

  • Own a small or mid-size business
  • Frequently book stays at Marriott hotels worldwide
  • Are looking for a hotel credit card and a business credit card that brings the best of both worlds together
  • Make frequent business expenses with a credit card or use one for travel costs

The Marriott Bonvoy Business American Express Card Review:

The Marriott Bonvoy Business™ American Express® Card kicks off your cardmember account with a monster welcome bonus: 75,000 Marriott Bonvoy points after spending at least $3,000 within the first three months. That’s enough to redeem for at least a few free night stays at participating Marriott hotels. And while $3,000 is a lofty goal to reach, it can bet met easily if you use your card for everyday business expenses, big and small.

Aside from the signup offer, the Bonvoy Business card earns you Bonvoy points in a hurry practically anywhere you shop. Direct purchases at participating Marriott Bonvoy hotels earn 6 points per $1, so booking stays frequently – bet it for domestic or international business purposes – will maximize your gains. If you’re meeting a client for lunch or drive a company car, you’ll earn 4 points per dollar at U.S. restaurants and gas stations. Wireless phone provider services and shipping expenses are also tiered at the 4 points per $1 rate. All other eligible purchases earn 2 points, which already puts this card ahead of other competitors, which normally earn 1 point or mile per $1 on most other purchases.

Other incentives included with the Marriott Bonvoy Business™ American Express® Card range from 1 Free Night Award every year you reach your cardmember anniversary to complimentary Silver Elite status in the Bonvoy rewards program, which allows you to earn points in addition to those that come in as a result of your card’s transactions. You can also enjoy free Internet access at participating Marriott hotels and access.

If you prefer not to redeem your points towards Marriott hotel stays, the Marriott Bonvoy Business™ American Express® Card gives you the option to use them towards flights or car rentals via the Air+Car program. Your Bonvoy points can also be transferred to any of over three dozen partner frequent flyer programs, so if you have points accrued through a particular partner airline that you’re devoted to, it may be worthwhile to migrate your Bonvoy points to its loyalty program.

In regards to fees, the card predictably charges none for shopping outside the United States. For a hotel card with thousands of properties around the world, this waiver is expected. It does, however, charge an annual fee of $125. It may not be welcome, but it is a modest charge that can easily be offset by taking advantage of all the perks the Marriott Bonvoy Business™ American Express® Card offers. Just using your anniversary Free Night Award can compensate for the annual fee if you stay at a hotel whose nightly rate is over $125.

Should Your Company Apply for the Marriott Bonvoy Business Card?

The Marriott Bonvoy Business Card is a solid business hotel card that provides exceptional earning potential to U.S.-based companies. Cardholders earn 6 points per dollar spent when they use their card to book stays at Marriott Bonvoy Hotels, 4 points with purchases at U.S. restaurants, gas stations, wireless providers, and shipping, and 2 points per dollar for all other purchases. The points earning potential is boosted further by the 75,000 intro bonus points offer with just $3,000 in purchases needed with the Marriott Bonvoy Business™ American Express® Card in the first three months.  For businesses that provide employee cards, this is a very achievable goal.  75,000 points are equivalent to roughly 10 off-peak nights at Category 1 Bonvoy properties, making the Business Bonvoy a potent travel tool, indeed.  

 

Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:17 am

Cardholder Reviews

Would you like to post a review about this card?
Register online. It's quick and easy!

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.