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Marriott Bonvoy Business® American Express® Card card

Marriott Bonvoy Business® American Express® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$125
Recommended credit
Excellent / Good
Card network
American Express
Regular purchase APR
20.99% to 29.99% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

A business and hotel credit card that leans heavily on earning points, the Marriott Bonvoy Business® American Express® Card takes care of your company costs while rewarding you at the same time. The card earns 6X points for every dollar spent with Marriott brands, 4X points at U.S. gas stations and worldwide restaurant purchases, as well as U.S.-based wireless service providers, when paying for shipping on U.S. purchases, or when booking flights directly with airlines, and 2X points for every other dollar spent.

Our review of the Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business American Express Card is a top choice for business travelers looking to maximize their rewards. With a generous welcome bonus and multiple ways to earn points on everyday purchases, this card is a must-have for frequent Marriott guests.

Welcome Offer

New cardmembers can earn a monster welcome bonus after spending a few thousand dollars within the first three months. This bonus is enough to redeem for at least a couple of award night stays at participating Marriott hotels, making it a valuable perk for business travelers.

Earn Rewards

The Bonvoy Business card earns you Bonvoy points quickly, with 6X points per dollar on direct Marriott Bonvoy purchases and 4X points per dollar at restaurants, U.S. gas stations, wireless phone provider services, and shipping expenses. This card also earns 2X points on all other eligible purchases, setting it apart from other competitors.

Marriott Perks

In addition to earning points, cardmembers can enjoy a range of perks, including a Free Night Award every year, complimentary Silver Elite status in the Bonvoy rewards program, and free Internet access at participating Marriott hotels. These perks make the card valuable for both business and leisure travelers.

How to Redeem

Cardmembers have multiple options for redeeming their points, including using them towards Marriott hotel stays, flights, or car rentals via the Air+Car program. Points can also be transferred to over three dozen partner frequent flyer programs, giving cardmembers flexibility in how they use their rewards.

Should You Apply?

Overall, the Marriott Bonvoy Business American Express Card is a solid choice for business travelers looking to maximize their rewards and enjoy valuable perks. With a modest annual fee that can easily be offset by taking advantage of the card’s benefits, this card is worth considering for frequent Marriott guests.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership.
  • Offer expires 11/2/22
  • 6x points 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 a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly.
  • Terms and Conditions Apply
  • 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 Card

Who this card may suit

  • You own a small or mid-size business
  • You want one of the more versatile business hotel credit card offers
  • You frequently book stays at Marriott hotels worldwide
  • You're looking for a hotel credit card and a business credit card that brings the best of both worlds together
  • You make frequent business expenses with a credit card or use one for travel costs

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$125
Regular Purchase APR20.99% to 29.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $5 or 3% of the amount of each cash advance, whichever is greater
Penalty APR29.99% variable based on the Prime Rate
Late Payment Penalty FeeUp to $39
Return Payment Penalty Fee$39

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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