Marriott Bonvoy Business™ American Express® Card

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15.74% - 24.74% Variable
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Marriott Bonvoy Business™ American Express® Card: Details and benefits

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), complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21, 15 Elite Night Credit each year, premium internet access on-site 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.


  • The $125 annual fee is significantly lower than other top business travel credit cards.
  • The card comes with complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21
  • Factoring in Platinum 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.
  • Platinum Elite Status offers generous perks that can help you save money while upgrading your overall travel experiences.


  • 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.

Is the Bonvoy Business worth it for you?

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. Even with the $125 annual fee, the perks that come with this card are well worth the cost.

With this card, you can earn a Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.

With the card’s 6x/4x/2x earning structure — and the benefits that come with Platinum 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 50 percent bonus that comes with Platinum 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 Marriott Bonvoy Rewards base points and the Platinum Elite Status earning bonus, you’ll earn a large amount of 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.


Get the most value from the Bonvoy Business

To make this card worth it, you should make sure you’re maximizing its perks and taking advantage of it’s earning structure.

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.

How much are the Bonvoy Business rewards worth?

The 100,000-point bonus offer (after spending $5,000 in the first three months) is enough to earn you a night’s stay at even category seven Bonvoy locations. If you’re more conservative with your redemptions, it could be worth 4 standard nights at a category three.

Expert valuations place Marriott Bonvoy points at 0.9 cents per point. Assuming you hit the minimum spend, the welcome bonus alone is worth $900.

Using the same use-case scenario as before, your yearly rewards could be worth almost $1,200. This doesn’t include the potential two nights free each year (you receive one night free on your account anniversary each year, but you can also earn a second night free after spending $60,000 on your card each year; redemptions worth up to 35,000 points each) or other Platinum Elite Status perks like premium on-site wifi.

How to redeem rewards

When redeeming your points for free nights, try to book for “off-peak” 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.