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Marriott Bonvoy Business® American Express® Card Review
Updated: July 21, 2024
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Marriott Bonvoy Business® American Express® Card
On Partner's Website
Rewards Rate
6x Marriott Bonvoy points on each dollar of eligib...APR
20.99% - 29.99% variableAnnual Fee
$125Recommended Credit
670-850 (Good to Excellent)For the discerning small business owner who travels, the Marriott Bonvoy Business American Express Card is a game-changer. Designed to amplify everyday business spending, it bestows lavish perks when you choose Marriott Bonvoy hotels. Elevate every business trip with free nights and Gold Elite Status. Beyond the luxury, the card's comprehensive travel insurance ensures peace of mind. It's not just a credit card; it's your passport to a grander travel experience.
Marriott Bonvoy Business® American Express® Card Overview
When selecting a credit card, meticulously evaluate its features first because they play a pivotal role in determining its value and suitability for your financial needs.
- Rewards rate: Earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 4X points on restaurants worldwide, U.S. gas stations, wireless phone services purchased directly from U.S. service providers and U.S. shipping purchases, and 2X points on all other eligible purchases.
- Welcome offer: You can earn 3 Free Night Awards after spending $6,000 in the first 6 months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points. Note that some hotels may have resort fees. Terms apply.
- Regular APR: 20.99% to 29.99% variable See rates and fees.
- Annual fee: $125 See rates and fees.
- Intro APR offer: None
- Terms Apply
- See rates and fees.
Important Card Details
Diving into the world of credit cards can be overwhelming, especially when trying to discern the real value behind the glossy marketing. In this analysis, we'll take an impartial look at the features of the Marriott Bonvoy Business® American Express® Card, illuminating its advantages and the finer nuances that might impact its overall appeal.
Points Earning
Maximizing points earning is important for small business owners, and the Marriott Bonvoy Business American Express Card excels in this area. A standout feature is the generous 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, making every business stay doubly rewarding. The 4x points for purchases made 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, while the 2X points on other purchases keep the benefits rolling in. This multi-tiered rewards structure could significantly impact your business's bottom line if your spending aligns with these categories.
Great Welcome Offer
You can earn 3 Free Night Awards after spending $6,000 in the first 6 months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points. Note that some hotels may have resort fees. Terms apply.This bonus could equate to several free nights at Marriott Bonvoy hotels. This welcome offer adds substantial value to the card and provides an opportunity to experience the luxury and comfort of Marriott Bonvoy hotels without additional expenses.
Modest Annual Fee
While an annual fee of $125 might seem off-putting, it’s important to assess the value against the benefits you receive. The annual free night award alone, worth up to 35,000 points, can offset the cost. Not to mention the value you gain from rewards points, Gold Elite Status, and no foreign transaction fees. When used wisely, the card benefits can far outweigh the cost, making the annual fee a modest investment for many small business owners.
Hotel Perks
The Marriott Bonvoy Business American Express Card shines when it comes to hotel perks. Complimentary Gold Elite Status can upgrade your stay with late checkout, room upgrades, and enhanced earning rates. Additionally, free night awards — one each year after renewal and an extra one after spending $60,000 in a calendar year — are immensely valuable. These perks make business travel much more enjoyable and cost-effective, transforming ordinary hotel stays into VIP experiences.
How the Marriott Bonvoy Business® American Express® Card Compares
Comparing the features and benefits of two credit cards offers a clearer perspective on which best aligns with your financial goals and lifestyle needs.
How This Card Compares
Marriott Bonvoy Business® American Express® Card
- Rewards rate: Earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 4X points on restaurants worldwide, U.S. gas stations, wireless phone services purchased directly from U.S. service providers and U.S. shipping purchases, and 2X points on other purchases.
- Welcome offer: You can earn 3 Free Night Awards after spending $6,000 in the first 6 months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points. Note that some hotels may have resort fees. Terms apply.
- Regular APR: 20.99% to 29.99% See rates and fees.
- Annual fee: $125 See rates and fees.
- Intro APR offer: None
- Terms Apply
- See rates and fees.
- Best for: Marriott loyalists, business owners with high spending in key categories, and those seeking a sizable welcome bonus with a moderate annual fee.
The Hilton Honors American Express Business Card
- Rewards rate: Earn 12 points per dollar on direct Hilton hotel purchases, 6 points per dollar on select business and travel purchases, 3 points per dollar on other eligible purchases
- Welcome offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership
- Regular APR: 20.99%–29.99% Variable See rates and fees
- Annual fee: $195 See rates and fees
- Foreign transaction fee: None See rates and fees
- Intro APR offer: None
- Terms Apply
- See rates and fees
- Best for: Frequent travelers and businesses seeking Hilton hotel benefits and a competitive rewards rate for travel and business-related expenses.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.