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  • Marriott Bonvoy Business® American Express® Card

    Great for hotel rewards and perks for business spending

    • 2–6 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $125Annual Fee
    • Good–ExcellentRecommended Credit
    Marriott Bonvoy Business® American Express® Card

    Terms, rates and fees apply

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 other purchases.
  • Welcome offer: Limited-time offer: Earn 125,000 Bonus Marriott Bonvoy points after you use your new card to make $8,000 in purchases within the first 6 months of card membership. Offer ends 11/1/23.
  • Regular APR: 20.99% to 29.99% (See rates and fees)
  • Annual fee: $125 (See rates and fees)
  • Intro APR offer: None

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.

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    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 points at Marriott Bonvoy hotels, making every business stay doubly rewarding. The 4X points on dining, gas, wireless services, and shipping are unique perks tailored to small businesses, 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.

  • giftCard icon

    Great Welcome Offer

    The substantial 75,000-point welcome bonus, which you can earn after spending $3,000 in the first three months, is an appealing head start for business owners. 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.

  • annualFee icon

    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 icon

    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
creditCard icon

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: Limited-time offer: Earn 125,000 Bonus Marriott Bonvoy points after you use your new card to make $8,000 in purchases within the first 6 months of card membership. Offer ends 11/1/23.
  • Regular APR: 20.99% to 29.99% (See rates and fees)
  • Annual fee: $125 (See rates and fees)
  • Intro APR offer: None
  • Best for: Marriott loyalists, business owners with high spending in key categories, and those seeking a sizable welcome bonus with a moderate annual fee.
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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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first three months
  • Regular APR: 20.99%–29.99% Variable (See rates and fees)
  • Annual fee: $95 (See rates and fees)
  • Foreign transaction fee: None (See rates and fees)
  • Intro APR offer: None
  • Best for: Frequent travelers and businesses seeking Hilton hotel benefits and a competitive rewards rate for travel and business-related expenses.

About Grace Pilling

Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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.