Editor’s note: This is a recurring post with regularly updated card details.
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 no foreign transaction fees on international purchases.
Marriott Bonvoy Business® American Express® Card
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
- LIMITED TIME OFFER: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays after you use your new card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 10/16. 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 Marriott Bonvoy Business® American Express® Card 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. Award 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 120 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
- LIMITED TIME OFFER: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays after you use your new card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 10/16. 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 Marriott Bonvoy Business® American Express® Card 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. Award 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 120 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
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
- Business owners who primarily stay at Marriott hotels: You’ll earn 6x points at participating hotels under the Marriott Bonvoy® program, as well as special discounts, free hotel stays, and exclusive offers.
- Business owners who travel abroad frequently: The card charges no foreign transaction fees on international purchases, making it ideal for frequent travelers.
Marriott Bonvoy Business® American Express® Card Rewards
- LIMITED TIME OFFER: Earn 5 Free Night Awards, valued at up to 50K points each for eligible stays after you use your new card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 10/16. Resort fees & terms apply.
- 6x points per dollar at hotels participating in the Marriott Bonvoy® program
- 4x points per dollar at restaurants worldwide, US gas stations, US wireless telephone service providers, and US shipping providers
- 2x points per dollar on all other purchases
- First Free Night Award every year, after your card renewal month
- Second Free Night Award after spending $60,000 in eligible purchases in a calendar year
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 $0.009. 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
Marriott Bonvoy Business® American Express® Card Fees
APR
- Introductory: None
- Ongoing on purchases: 20.99% (prime rate plus 12.49%) to 29.99% (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: 29.99% (prime rate plus 25.99%) variable—adjusts with the prime rate. This will be applied to your account if you:
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
How To Make Payments
- Amex Mobile App: Download the Amex Mobile App, available for both iOS and Android users, and enjoy the convenience of paying your bills on the go, anytime.
- AutoPay: Set up AutoPay through your American Express online account. Your first AutoPay payment may not be applied to your current billing cycle, so you need to make your usual payments until AutoPay begins.
- Direct bank payment: Pay bills automatically, so you don’t have to worry about missing due dates. Provide your bank account details to American Express and indicate the amount you’d like to pay every month.
- Online: Make a payment through your American Express online account anytime by choosing your payment account and selecting your bank account and payment date. Note that credit and debit cards are not accepted as a form of payment.
- Mail: Mail your payment either by check or money order made payable to American Express. Include your account number at the front of your payment.
First Class Mail
American Express
PO Box 96001
Los Angeles, CA
90096-8000
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
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
9 billing cycles
- 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.
9 billing cycles
- 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.
When To Consider Bank of America Business Advantage Travel Rewards World Mastercard®
- You want a travel business card that doesn’t have a penalty APR: Bank of America Business Advantage Travel Rewards World Mastercard® does not charge a penalty APR for late payments—only a late payment fee that ranges between $0 to $49, depending on your balance.
- You need a 0% introductory APR: If you plan to make a large purchase, you can enjoy interest-free financing for the first nine billing cycles.
Other Benefits
- Does not charge annual and foreign transaction fees
- Has a sign-up bonus of 30,000 points after spending at least $3,000 in purchases within the first 90 days after account opening, which can be redeemed for a $300 statement credit toward either travel or dining-related purchases
- Lets you earn 3x points for every dollar spent when you book a rental car, hotel stay, or airfare through the Bank of America® Travel Center, and unlimited 1.5x points for every $1 you spend on all purchases
It is our top-recommended business credit card with no foreign transaction fee because of its simplicity and lucrative rewards. You can also check our guide to the leading Bank of America business credit cards for other options from this issuer.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period 
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Pros
Cons
Pros
Cons
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You have significant expenses on gas: If your business also requires you to be on the road most of the time, you can earn 3% cash back at gas and electric vehicle (EV) charging stations.
Other Benefits
- Offers 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on everything else
- Provides $100 annual statement credit for recurring software subscriptions
- Charges $0 annual fee
- Features ExtendPay® Plan that allows you to pay your eligible balance in monthly installments without interest (just a fixed monthly fee)
Its long 0% APR and premium rewards are among the reasons why the card is our top-rated fuel card for small businesses. Visit our roundup for the best U.S. Bank business credit cards for more options from this provider.
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of less than $19,000
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
When To Consider Capital One® Spark® Miles Select for Business
- You don’t have a preferred hotel or airline when you travel: Capital One® Spark® Miles Select for Business is not a co-branded credit card, so you can use it on any hotels and airlines when you travel.
- You want to earn fixed-rate rewards: It offers 5x miles on hotels and rental cars booked through Capital One Travel, and 1.5x miles on all other purchases. You can use these miles on flights, hotels, vacation packages, and more, or transfer them to any of Capital One’s travel partners.
Other Benefits
- Lets you earn a one-time 50,000 bonus miles once you spend $4,500 in the first three months
- Has $0 annual and foreign transaction fees
- Lets you redeem miles through Capital One Travel or get reimbursed for travel expenses charged to your card within 90 days of purchase
It is also one of our top-ranking business credit cards for miles. It’s worth noting that similar to Marriott Bonvoy Business® American Express® Card, it doesn’t offer a 0% APR period. If you want to see more alternatives from Capital One, read our most recommended Capital One business credit cards.
Frequently Asked Questions (FAQs)
What are the benefits of having a Marriott Bonvoy Gold Elite Status?
Being a Marriott Bonvoy Gold elite member comes with several benefits, including:
- 25% more points on every eligible hotel purchase
- Priority late checkout (as late as 2 p.m.) when available
- 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
How To Level Up to Marriott Bonvoy Platinum Elite Status?
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.
What Are the requirements to Apply for the Marriott Bonvoy Business® American Express® Card?
To apply online, you’ll be asked to provide your business information, such as your business legal name, address, phone number, federal tax ID, business structure, annual revenue, years in business, number of employees, and expected annual spend. In addition, you also need to provide your personal information, including your home address, contact number, SSN, and total annual income. According to the American Express website, online application takes a few minutes to complete, and you can get a decision in as little as 30 seconds.
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.
