Marriott Bonvoy Business™ American Express® Card

Madison Blancaflor  in  Business Advertising Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Annual Fee:
$125 (If application received before 03/28/19, $0 intro annual fee for the first year, then $95)
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
17.99% - 26.99% Variable
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 89 out of 100

Commonly used for: Business, Excellent Credit, Hotel, No Foreign Transaction Fees, Sign-up Bonus, Travel.

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The SPG Business Amex has been rebranded as the Marriott Bonvoy Business™ American Express® Card, and you could score by taking advantage of two great offers by applying sooner rather than later.

Here are the details

The Bonvoy Business boasts a generous rewards structure:

  • 6x Marriott Bonvoy points at participating Marriott Bonvoy hotels
  • 4x Marriott Bonvoy points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service.
  • providers and on U.S. shipping purchases.
  • 2x Marriott Bonvoy points on all other eligible purchases.

You’ll also receive an array of Bonvoy-specific perks, including a Free Night Award on your card anniversary each year (redeemable for up to 35,000 points), automatic Silver Elite Status with a path to earn Gold, 15 Elite Night Credit each year, premium internet access on-site and Boingo internet at airports and on flights and more.

As with most co-branded credit cards, redemption flexibility isn’t the same as on issuer cards such as the Capital One® Venture® Rewards Credit Card (a favorite consumer card among travelers) — but, that doesn’t automatically mean the rewards aren’t worth it for frequent Bonvoy customers.

Worthy addition to your wallet?

If you’re a small business owner who stays almost exclusively at Marriott Bonvoy properties when you travel, this card offers a lot of value.

Right now, the Marriott Bonvoy Business™ is advertising two perks for early applicants. If you apply for the card before April 24, 2019, you can earn 100,000 bonus points after spending $5,000 within three months. If you apply before March 28, 2019, you have a reduced annual fee of $95 that is waived the first year. Later applicants will be subject to a $125 annual fee (See Rates & Fees).

With the card’s 6x/4x/2x earning structure — and the benefits that come with Silver Elite Status, it’s easy to rack up a lot of points. Marriott Bonvoy members earn 10 base points per dollar at eligible locations, plus the 10% bonus that comes with Silver Elite Status and the 6 points per dollar you earn with your card.

While Marriott Bonvoy points aren’t as valuable as Venture miles or Chase Ultimate Rewards points, you’ll earn them at a much higher rate.

Let’s say you spend $2,300 in business expenses on your card each month: $1,000 on 4x points categories, $1,000 on 2x points categories, and $300 on Bonvoy hotel stays. Factoring in Mariott Bonvoy Rewards base points and the Silver Elite Status earning bonus, you’ll earn 133,200 points over the course of a year. You can then redeem those points for Marriott Bonvoy hotel stays, gift cards or even transfer points to one of 45 travel partners.

This card is easily paired with more flexible travel cards to maximize rewards across multiple spending categories, and you can save your business a lot of money on travel each year by adding this card to your repertoire. However, if you’re not sold on the Marriott Bonvoy brand, or want more flexibility in your earning and redemption options, you should look at other business credit cards.

Advantages
  • By applying before March 28th, you can simultaneously supercharge your sign-up bonus and save yourself hundreds of dollars long-term with a reduced annual fee.
  • The card comes with automatic Silver Elite Status, with a path to earning Gold Elite Status.
  • Factoring in Silver Elite Status and Marriott Bonvoy membership benefits, you can earn 17x points at eligible Bonvoy locations, 4x points on certain eligible business purchases and 2x points on everything else.
  • Silver Elite Status offers generous perks that can help you save money while upgrading your overall travel experiences.
Disadvantages
  • You have to apply before April 24th to take advantage of the 100,000-point sign-up bonus and before March 28th to receive a lowered $95 annual fee that is waived the first year.
  • The benefits of this card overlap with the benefits that other Bonvoy credit cards offer, so it is not useful to double up Bonvoy cards.
  • Existing SPG Business cardholders cannot take advantage of this introductory bonus or the discounted annual fee because the card is not considered a new product.

(For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.)

What are Marriott Bonvoy rewards worth?

The 100,000-point bonus limited time offer is enough to earn you a night’s stay at even category eight Bonvoy locations. If you’re more conservative with your redemptions, it could be worth 4 standard nights at a category four.

Expert valuations place Marriott Bonvoy points at 0.9 cents per point. Assuming you apply before their limited time offer ends and hit the minimum spend, the sign-up bonus alone is worth $900.

Using the same use-case scenario as before, your yearly rewards could be worth almost $1,200 — not including your one night free each year (worth up to 35,000 points) or other Silver Elite Status perks like premium on-site wifi.

Rates and Fees

    • Apply before March 28th to receive a discounted $95 annual fee, waived the first year ($125 annual fee not waived if you apply after March 28th).
    • No foreign transaction fees
    • Up to $38 late payment fee
    • 17.99% – 26.99% variable APR
    • See Rates & Fees.

How to get the most value out of this card

To make this card worth it, you should make sure you’re maximizing its perks and taking advantage of it’s earning structure — including the limited-time offer and reduced annual fee offer that American Express is offering right now. Apply before March 28th to take advantage of both the lowered annual fee and 100,000-point welcome bonus

Use your Marriott Bonvoy Business card to pay for all of your Marriott brand hotel bookings, and take advantage of the 4x points at U.S. gas stations, U.S. restaurants on wireless telephone services purchased directly from U.S. service providers and on U.S. shipping purchases. On other purchases, it might be a good idea to consider pairing this card with a card that offers other bonus categories.

When redeeming your points for free nights, try to book for “off-peak” (launching later in 2019) times whenever possible. You could save anywhere from 5,000 to 30,000 points per night by avoiding “peak” seasons.

This card gives you access to 45 travel transfer partners, so make sure you’re enrolled in the frequent flyer programs of each airline you fly.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.


Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.