Marriott Bonvoy Business™ American Express® Card

The Marriott Bonvoy Business credit card is a small-business card released from American Express in 2018 that comes with excellent perks and travel rewards. Businesses of virtually any size can take advantage of the benefits that the Marriott Bonvoy Business card offers, earning some of the best rewards available when compared against other competitors.

The Essentials of the Marriott Bonvoy Business™ American Express® Card

  • APR:19.99%
  • Annual Fee:$150
  • Primary Feature:Earn 3 points for every $1 spent on eligible gas, dining, and travel purchases.
  • Introductory Bonus Offer:50,000 Marriott Bonvoy points after you charge $1,500 in purchases within the first three months.

What’s Interesting about the Marriott Bonvoy Business™ American Express® Card?

For customers looking for a flexible business credit card with great introductory bonuses and ongoing travel benefits, the Marriott Bonvoy Business American Express card is a great choice. The card features a “fifth night free” benefit, proving a free fifth-night stay on any accommodations of four nights or more booked through the rewards program. In addition, the Marriott Bonvoy Business card provides a free annual night award, worth up to 35,000 points, awarded to clients on the anniversary of their card activation. All Marriott Bonvoy Busines cardholders will automatically qualify for Silver Elite status, giving them a 20% increase on the number of points they can earn on eligible hotel accommodations. This puts customers quickly within reach of achieving Gold status, which opens them up to a whole new level of rewards, including complimentary accommodation upgrades, lounge access, free in-room Wi-Fi, and many other perks.

Things to Consider

A significant downside to the Mariott Bonvoy Business credit card is that American Express still maintains some of the highest processing costs and therefore isn’t a widely accepted form of payment online or in-store. Another consideration is that at $150 per year, the Mariott Bonvoy Business credit card has a higher annual fee than many other cards in the same class. While some customers may justify that the annual fee is worth it as every year customers are given a free hotel stay that offsets its cost, it’s important to note that there are other card options out there that offer similar perks with fewer or no annual fees.

How to Get the Most from this Card

When it comes to travel reward cards like the Mariott Bonvoy Business card, taking advantage of introductory offers to their full extent will afford cardholders the greatest possible value when using their cards. In this case, cardholders should be willing to spend $1,500 within the first three months of activating their card to be eligible for the free 50,000-point offer. Another tip when using business cards is to have employees set up as authorized users to maximize the number of reward points being claimed. Staying at Marriot Bonvoy hotels is another way to earn extra points on your purchases. Customers can earn up to six bonus points when booking these stays using their Marriot Bonvoy Business credit card. Whenever possible, cardholders should also consider booking hotel stays of at least four nights when using their travel rewards card as they will automatically be eligible for the fifth night free.

Other Card Options that Might Interest You

Of course, there are many card options for businesses to choose from that offer similar travel rewards to the Marriott Bonvoy Business cards with different pros and cons associated with them. Two other great options are the BMO Rewards Business MasterCard and the CIBC Aerogold Visa for Business.

BMO Rewards Business MasterCard

For customers who are looking for a bit more purchasing flexibility while having a lower annual fee than the Marriott Benvoy Business credit card, the BMA Rewards Business Mastercard is a great option. BMO Rewards Business cards have no annual fee for the first year of ownership and are $120 per year after that. This card has more competitive rates than the Marriott Bonvoy Business card as well, at 14.99% vs. 19.99%. Furthermore, customers can qualify for a 35,000-point introductory offer and earn 3 points per $1 spent on all eligible purchases.

CIBC Aerogold Visa for Business

For customers who aren’t as concerned with paying higher annual fees but are interested in low-interest rates, the CIBC Aerogold Visa for Business is an excellent alternative to the Marriott Bonvoy Business card. At $180 per year, Aerogold Visa is pretty steep but features an extremely competitive APR at only 12.99%. As opposed to most travel reward cards that only offer 3 miles per $1 spent, the Aerogold Visa provides 5 miles per every $1 spent on application purchases, including flights, hotels, gas, and rental cars. CIBC Aerogold Visa for Business cards is limited, however, in the number of additional employees that can be added as users. Marriot Bonvoy Business cards allow business owners to add up to 99 employees, while the CIBC Aerogold Visa is limited to only 9.

The Final Word

The Marriott Bonvoy Business American Express card is overall an excellent choice for business owners looking to benefit from their purchases in the form of rewards points and travel perks. Although American Express cards aren’t accepted as widely as Visa and MasterCard, the Marriott Bonvoy Business card makes up for that inconvenience by featuring a variety of exceptional benefits, including yearly free hotel stays, automatic Silver Elite card status, travel accident insurance, and roadside assistance. Cardholders will also earn free bonus miles on all of their eligible purchases and have the opportunity to take advantage of generous introductory offers. If you’re not overly concerned with annual fees and less-than-optimal APR percentages, the Marriott Bonvoy Business American Express Card is a great rewards card for your business to rely on.