American Express
Marriott Bonvoy Business® Credit Card
Key Features
| Annual Fee | $125.00 |
| Sign-up Bonus | 150,000 Bonvoy Points + $125 credit |
| Rewards Rate | 2X-6X Bonvoy Points |
| Regular APR | APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. |
| Network | American Express |
About this card
The Marriott Bonvoy Business® Credit Card earns an overall rating of 3.7, placing it firmly in the 'Good' category. This card is an exceptional choice for business owners who are loyal to the Marriott Bonvoy program and frequently stay at Marriott properties, effectively serving its niche target audience with compelling benefits and a strong reputation. Its reward structure is outstanding, offering up to 6X points on Marriott stays and 4X on common business expenses, coupled with a generous annual Free Night Award, automatic Gold Elite status, and valuable Elite Night Credits that can accelerate higher status achievement. The absence of foreign transaction fees is a significant plus for business travel, and American Express's strong reputation for customer service adds to its appeal. However, a major detractor is the extremely high variable APR, ranging from 19.49% to 28.49%, with no introductory period. This makes the card a very expensive option for any cardholder who carries a balance, potentially negating the value of the rewards earned. While the $125 annual fee is reasonable given the robust perks, the high APR prevents this card from reaching an 'Excellent' rating, as responsible credit card usage dictates that high interest rates are a significant drawback, even on a rewards card.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on hotel and business-related purchases
- No foreign transaction fees
- Automatic elite status and elite night credits
- Annual free night award
- Hotel-specific perks and discounts
Things to consider
- Annual fee
- High regular APR
- No intro APR period
- Rewards are specific to a hotel loyalty program
What this card offers
Sign-up bonuses
- Limited Time Offer | Expires in 2 Days
- Earn 150,000 Marriott Bonvoy® Bonus Points and a $125 Statement Credit
- after you use your new Card to: make $8,000 in purchases within the first 6 months of Card Membership
- Offer ends 7/15/26.
Rewards
- 6X Marriott Bonvoy® Points At Hotels Per dollar on eligible purchases at hotels participating in Marriott Bonvoy®.
- 4X Marriott Bonvoy® Points On Purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2X Marriott Bonvoy® Points On Other Purchases Made using the Marriott Bonvoy Business® American Express® Card.
Other features
- Marriott Bonvoy® Room Rate Discount Receive a 7% discount on eligible bookings at hotels which participate in the Marriott Bonvoy® program as a benefit of being both a Marriott Bonvoy® Member and a Marriott Bonvoy Business® American Express® Card Member when you book directly through an eligible Marriott channel under the Amex Business Card Rate.
- Earn & Redeem Free Nights Receive 1 Free Night Award every year after your Card renewal month. 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 Marriott Bonvoy®. Certain hotels have resort fees.
- 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.
- Air+Car Transfer Program Air+Car allows members to redeem Marriott Bonvoy® points for flights and car rentals across hundreds of travel partners around the world.
- Marriott Bonvoy® Gold Elite Status Receive complimentary Gold Elite status with your Marriott Bonvoy Business® American Express® Card, which includes priority late checkout (until 2 p.m., subject to availability) and earn 25% more points on every eligible hotel purchase. Must book with a Qualifying Rate at hotels participating in Marriott Bonvoy®.
- Premium on-property Internet Access Receive free in-room, premium Internet access while staying at participating Marriott Bonvoy® hotels. Booking requirements apply.
- No Foreign Transaction Fees Marriott Bonvoy Card Members enjoy international travel without foreign transaction fees from American Express when using their Card on purchases abroad.
Additional Notes
American Express can be accepted at 99% of places in the US that accept credit cards. Based on the Feb 2024 Nilson Report.