Marriott Bonvoy® Business American Express®* Card
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Pros & Cons
Pros
- Welcome Bonus: Up to 80,000 points
- Up to 5x at Marriott Bonvoy hotels
- Purchase protection included
Cons
- High annual fee ($150/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The Marriott Bonvoy® Business American Express®* Card helps self-employed professionals and business owners turn business spending into hotel stays. Its lasting benefit is an Annual Free Night Award at renewal, valid for a night costing up to 35,000 points at participating properties.
The Card also provides 15 Elite Night Credits per year toward a higher Marriott Bonvoy status level. The annual fee is $150.
For your next trips, the welcome offer can reach 80,000 Marriott Bonvoy points:
- 70,000 points after $5,000 in purchases in the first 3 months;
- 10,000 additional points after $1,000 in purchases in month 13.
Earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy properties, 3 points per dollar on eligible gas, dining, and travel purchases, and 2 points per dollar on other purchases.
The annual night award, Elite Night Credits, and points earned on spending make this Card particularly appealing if Marriott is already part of your travel routine. There is no minimum income requirement.
Awards won by the Marriott Bonvoy® Business American Express®* Card
Rewards
All Spending
2x
Marriott Bonvoy pts per dollar
Marriott Bonvoy hotels
5x
Marriott Bonvoy pts per dollar
Travel
3x
Marriott Bonvoy pts per dollar
Gas
3x
Marriott Bonvoy pts per dollar
Restaurants
3x
Marriott Bonvoy pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
67,800
Marriott Bonvoy/yr
Estimated Value
$678
After Fees
+$528
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$1,228
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Marriott Bonvoy — Spend $1,000 in month 13 (year 2)
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
Perks & Benefits
Renewal bonus
Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
Travel Insurance
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Hotel Burglary
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental (primary)
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$150
- Additional card fee$50
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Cash advance rate21.99%
Terms & Conditions
Card Features
Earn up to 80,000 bonus Marriott Bonvoy® points
- New Marriott Bonvoy® Business American Express®* Cardmembers can earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership
- Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership
Earn Marriott Bonvoy points that you can redeem in a variety of ways:
- Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
- Earn 3 points for every $1 spent on eligible gas, dining and travel
- Earn 2 points for every $1 spent on everything else
- Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines
Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
- Leverage your cash flow with the option of carrying a balance or paying in full each month
- Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.
Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.
- Receive an Annual Free Night Award automatically each year after your anniversary
- Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
- Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Travelling Salzmans may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.
