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Marriott Bonvoy Business® American Express® Card is designed for business owners who travel often and stay primarily at over 7,000 participating hotels worldwide under the Marriott Bonvoy® program. It offers premium rewards on eligible purchases at Marriott Bonvoy hotels and travel perks like discounted hotel rates, free hotel night stays, and $0 foreign transaction fees on international purchases.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Marriott Bonvoy Business® American Express® Card
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$125
Credit Needed
Excellent, Good
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 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.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 90 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$125
Credit Needed
Excellent, Good
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 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.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 90 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
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When evaluating travel rewards business credit cards like the Marriott Bonvoy Business® American Express® Card, we first consider the ongoing rewards and introductory rewards. We also weigh the travel perks that come with the card, as well as its annual fee, other fees, and introductory and ongoing APRs.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 22 | 25 |
Introductory Rewards | 25 | 25 |
Features | 10 | 10 |
Annual Fee | 6 | 10 |
Other Fees | 10 | 10 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
| Total Score | 81 | 100 |
Who the Marriott Bonvoy Business® American Express® Card Is Best For
- Those who primarily stay at Marriott hotels: You’ll earn 6× points at participating hotels under the Marriott Bonvoy® program, as well as special discounts, free hotel stays, and exclusive offers.
- Those who travel abroad frequently: The card charges $0 foreign transaction fees on international purchases, making it ideal for frequent travelers.
If this isn’t the card for you, check our recommended alternatives below to find one that’s a good fit.
Marriott Bonvoy Business® American Express® Card Rewards
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- 6× points per dollar spent at hotels participating in the Marriott Bonvoy® program
- 4× points per dollar spent at restaurants worldwide, US gas stations, US wireless telephone service providers, and US shipping providers
- 2× points per dollar spent on all other eligible purchases
Marriott Bonvoy Business® American Express® Card Rewards Calculator
Determine how much you can earn when you use Marriott Bonvoy Business® American Express® Card for your business-related purchases. Use our calculator below to input your anticipated monthly expenses based on the expense category as indicated, and our calculator will do the rest.
The value of Marriott Bonvoy points varies depending on how you redeem them. One point is approximately worth 0.09 cents. For our calculator, we will compute your rewards based on this estimated redemption value.
How to Redeem Marriott Bonvoy Business® American Express® Card Rewards
You can redeem your Marriott Bonvoy points toward free stays at Marriott Bonvoy hotels. You can also use your points for travel, including cruises, flights, car rentals, and vacation packages, as well as to shop for the latest technology, gift cards, fashion, and entertainment. Moreover, you can transfer your points to frequent flyer programs or choose to donate them to partner charitable organizations.
Marriott Bonvoy Business® American Express® Card Features
Exclusive Marriott Bonvoy Perks
- Marriott Bonvoy® Room Rate Discount: Receive a 7% discount on eligible bookings as both a Marriott Bonvoy® member and a Marriott Bonvoy Business® American Express® cardholder.
- Earn and redeem free nights:
- One free night award each year after your card renewal month
- An additional free night award after spending $60,000 in purchases
- Elite night credits: Get 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. Terms and conditions apply.
- Complimentary Marriott Bonvoy Gold Elite status: Secure a complimentary Gold Elite status with your Marriott Bonvoy Business® American Express® Card; includes priority late checkout (when available) and 25% bonus points on stays.
- Marriott Bonvoy Air+Car Transfer Program: Redeem Marriott Bonvoy points for flights and car rentals.
Insurance Protection
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
- Baggage insurance plan: Secure coverage of up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier. For New York residents, a $10,000 aggregate maximum limit will be provided for all Covered Persons per Covered Trip.
- Car rental loss and damage insurance: Be covered for damage to or theft of a rented vehicle in a Covered Territory after using your Marriott Bonvoy Business® American Express® Card to reserve and pay for the entire rental cost. Note that you’ll need to decline the collision damage waiver (CDW) at the rental company counter to get this.
- Extended warranty: Extend the original manufacturer’s warranty by an additional year; applicable to warranties of 5 years or less.
- Purchase protection: Protect your purchases by receiving up to 90 days of coverage from the Covered Purchase date.
- Dispute resolution: Receive assistance from American Express if there is a fraudulent or incorrect charge on your statement.
Account Management
- Year-end summary: Get access to a year-end summary of charges to review your annual spending.
- Connect to QuickBooks®: Save time by automatically categorizing all expenses in QuickBooks®. Once enrolled, all transactions will be automatically tagged with your QuickBooks categories.
- Employee cards: Issue employee cards at $0 additional cost.
Marriott Bonvoy Business® American Express® Card Fees
APR
- Introductory: None
- Ongoing: 20.49% (prime rate plus 12.49%) to 29.49% (prime rate plus 21.49%) variable—adjusts with the prime rate
- Cash advance: 29.99% (prime rate plus 21.99%) variable—adjusts with the prime rate
- Penalty
This applies for a minimum of 12 consecutive billing periods until after you have made payments on time—with no returned payments for 12 billing periods in a row.
: 29.99% (prime rate plus 25.99%) variable—adjusts with the prime rate. This will be applied to your account if you:
- Made two or more late payments in the last 12 months
- Didn’t pay the minimum payment due by the due date
- Made a returned payment
Fees
- Annual: $125
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late payment: Up to $39
- Overlimit: None
- Returned payment: $39
Your due date is at least 25 days after the close of each billing period.
How to Make Payments
- Online or mobile banking: You can pay via the Amex website or mobile app.
- Phone: Call (800) 472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments” in the blue navigation bar, then choose “Manage AutoPay.”
- Wire transfer
If you wish to make your payment via wire transfer, it is necessary to include your American Express account number where the payment will be posted.
Note that while American Express does not charge additional fees, your bank may charge a fee to process the transaction. : Include your card member name, your American Express account number, and the following information when paying via this option:- Bank name: Chase Manhattan Bank
- Account name: American Express Card Member Wire Depository
- Address: 1 Chase Plaza New York, NY 10081
- ABA number (routing number): 0210-0002-1
- Account number: 910-2-753036
- Mail: You can send your credit card bills via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.
First Class Mail
American Express
PO Box 96001
Los Angeles, CA 90096-8000
American Express
PO Box 96001
Los Angeles, CA 90096-8000
Marriott Bonvoy Business® American Express® Card Alternatives
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
If you are looking for a travel business credit card that does not have a penalty APR, we suggest looking into this one. Aside from the 0% introductory period on purchases for the first nine billing cycles, you can also earn up to 3× points for each dollar spent on bookings through the Bank of America® Travel Center.
card_name
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Consider the card_name if you wish to earn miles instead of points, which you can use to redeem for flights, rent cars, and hotel stays. Not only do you get to enjoy $0 annual, balance transfer, and foreign transaction fees, but you can also earn fixed-rate miles rewards on all purchases.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
For business owners who frequently travel and want access to over 1,300 VIP airport lounges worldwide, we recommend this card. With a low annual fee of $95 (waived for the first year), you can earn up to 5× points on hotel and car rentals booked through the Rewards Center and pay off your balances in fixed monthly installments through U.S. Bank’s ExtendPay® Plan
Frequently Asked Questions (FAQs)
Aside from getting more points and priority late checkout (when available), being a Marriott Bonvoy Gold elite member comes with other benefits, including the following:
- Enhanced room upgrade when available
- Free in-room Wi-Fi
- Exclusive member rates
- Instant points redemption (for cocktails, meals, spa experiences, and more)
- Mobile check-in and mobile key available
- 250 or 500 welcome bonus points when you arrive for your stay
- Ultimate reservation guarantee
- PointSavers™ lets you save points on redemptions at top destinations worldwide
You will level up to the Marriott Bonvoy Platinum Elite Status after staying at hotels under the Marriott Bonvoy program for 50 nights. The good news is that with your Marriott Bonvoy Business® American Express® Card, you will receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. This is subject to terms and limitations.
Before applying for the Marriott Bonvoy Business® American Express® Card, you will need to secure the following information:
- Business’s legal name, address, phone number, and email address
- Federal tax identification number (TIN) or Social Security number (SSN)
- Type of industry your business is engaged in
- Company structure
- Number of years your company has been in business
- Number of employees
- Annual business revenue
- The name you would like to appear on the card
Bottom Line
Marriott Bonvoy Business® American Express® Card is best for business owners who travel frequently and stay primarily at Marriott Bonvoy hotels. It lets you earn Marriott Bonvoy points that can be redeemed for free night stays, room upgrades, hotel purchases, travel, and more. It doesn’t charge foreign transaction fees and protects you through its insurance coverages. Note, however, that balance transfers are not allowed.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
