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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.
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| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $125 |
| Credit Needed | Excellent, Good |
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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
- Marriott Bonvoy Business® American Express® Card Rewards
- Marriott Bonvoy Business® American Express® Card Features
- Marriott Bonvoy Business® American Express® Card Fees
- Marriott Bonvoy Business® American Express® Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
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
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.
- 6× points per dollar spent at hotels participating in the Marriott Bonvoy® program
- 4× points per dollar spent 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.
- 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.
Marriott Bonvoy Business® American Express® Card Rewards Calculator
Your potential monthly reward earnings are:
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 two years; applicable to warranty coverage on United States manufacturers’ warranties of five years or less
- 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
- 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: N/A
- Ongoing: 19.49% to 28.49% variable—adjusts with the prime rate
- Cash advance: 28.74% variable—adjusts with the prime rate
- PenaltyThis 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 transferIf 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
Marriott Bonvoy Business® American Express® Card Alternatives
Bank of America® Business Advantage Travel Rewards World Mastercard®
| Intro APR | 0% 9 billing cycles |
|---|---|
| Regular APR | 18.49% - 28.49% Variable APR on purchases |
| Annual Fee | $0.00 |
| Credit Needed | Excellent |
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
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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 and foreign transaction fees, but you can also earn fixed-rate miles rewards on all purchases.
U.S. Bank Business Altitude® Connect Visa Signature® Card
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
For business owners who frequently travel and want access to over 1,700 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.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
Marriott Bonvoy Business® American Express® Card
