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: 17.24% -26.24% variable
  • Annual Fee:$125
  • Primary Feature: Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Introductory Bonus Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first 3 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 $125 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 complimentary night award after your card account anniversary 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 $3,000 in purchases using their new card within the first 3 months in order to earn 75,000 bonus Marriott Bonvoy points. 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 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

If you’re having doubts about the Marriott Bonvoy Business™ American Express® Card, there are several card options available to you that have similar or even better advantages. The Marriott Bonvoy Brilliant™ American Express® Card is a strong contender. Cardholders receive automatic Gold status, an annual free night at Marriott hotels costing up to 50,000 points per night and up to $300 in Marriott credits every cardmember year. Those are just a few of the benefits that make the Marriott Bonvoy Brilliant worth the pricey annual fee of $450. 

Hilton hotel fans, rejoice with the Hilton Honors American Express Business Card. This card option offers new applicants 125,000 Honors points after spending $3,000 within three months of account opening. You get Gold status too and 12x points at Hilton portfolio properties. It also offers 6x points at U.S. gas stations and restaurants, on wireless telephone services purchased directly from U.S. service providers, U.S. purchases for shipping, flights booked directly with airlines, or with Amex Travel and car rentals booked directly from select car rental companies. You also earn 3x points on other purchases and a free-weekend-night award each year—all these perks for a much lower annual fee of $95. Still, infrequent Hilton hotel stayers won’t benefit nearly as much from this card, so it’s essential to consider that.  

One more option for you is The Business Platinum® Card from American Express. This card offers 5x bonus points on flights booked through airlines or with American Express Travel and on prepaid hotels booked using amextravel.com. You’ll also receive Gold status with both Marriott and Hilton hotels, and enticing statement credits including, a $200 airline fee credit, a $100 fee credit for Global Entry every four years and an $85 statement credit every 4.5 years for TSA Pre✓® for your application fee charged to Business Platinum Card®. Even better, earn 1.5X rewards points per dollar on eligible purchases of $5,000 or more and get 35% of your airline points back when you book with American Express Travel using Membership Rewards® Pay with points. So, whether or not the Marriott Bonvoy Business™ American Express® Card is the appropriate choice, we’ve got you covered.

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 complimentary hotel stays, automatic Silver Elite card status, travel accident insurance, and roadside assistance. Cardholders will also earn 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.

Josh Nadeau

Personal Finance Contributor

Josh Nadeau is a seasoned sales operations and financial services writer with years of experience working in manufacturing, software, Fintech, and managed services. He uses his first-hand industry knowledge and technical expertise to help businesses and consumers alike make better financial decisions now and in the future.