4.5
/5
American Express
Marriott Bonvoy® Business American Express® CardBusiness Points Calculator
Earn up to 80,000 bonus Marriott Bonvoy® points
Our Take
Built for businesses that book Marriott hotels regularly. You earn 5x Bonvoy points per dollar at Marriott properties, 3x on dining and gas, and 2x on everything else — the earn structure is strong across the board. The annual free night certificate (worth up to 35,000 points) can easily cover the $150 fee on its own, and Silver Elite status means room upgrades and late checkout. The main limitations: it’s an Amex, so acceptance can be spotty in Canada, and the points are most valuable within the Marriott ecosystem. If you don’t stay at Marriott properties, this card loses its edge.
Business Spending
Where this card earns more
$
$
$
$
$
$
$
$
Foreign currency
$
$
Everything else
$
Anything not listed here
Day-to-Day
$
$
$
Services & Bills
$
$
$
$
Employee cards
Leave empty to skip. When set, their fees come off the card's value.
Card Details
Based on $4,000 monthly business spending
Annual rewards
$931.9
in Marriott Bonvoy points a year
Welcome bonus
$602
first year only
Annual fee
$150
FX fees
$180
2.5% on $600/mo
First-year value
$1,203.9
$601.9 in years after
Annual rewards
$931.9
in Marriott Bonvoy points a year
Welcome bonus
+ $602
first year only
Annual fee
− $150
FX fees
− $180
2.5% on $600/mo
First-year value
$1,203.9
$601.9 in years after
Interest Rates
Purchase: 21.99%*
Cash Advance: 21.99%*
Annual Fees
Main Card: $150
Additional Cards: $50
Welcome Bonus
- Earn up to 80,000 bonus Marriott Bonvoy® points
- New Marriott Bonvoy® Business American Express®* Cardmembers can earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership
- Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
4.5/5
Institution
American Express
How You Earn Rewards
- 5x points per $1 on eligible purchases at participating Marriott Bonvoy hotels
- 3x points per $1 on eligible gas, dining and travel purchases
- 2x points per $1 on all other purchases (everyday business expenses and more)
Marriott Bonvoy® Business American Express® Card Points Calculator
Your rewards by category
A year of your spending at this card's ongoing rates, grouped by what each category earns.
Spend: $12,000/yr
Reward: $309.6
Gas & EV Charging
$3,600/yr
10,800 pts
Air Canada
$1,200/yr
3,600 pts
Other Airlines
$600/yr
1,800 pts
Hotels
$1,800/yr
5,400 pts
Car Rental
$600/yr
1,800 pts
Other Travel
$600/yr
1,800 pts
Dining & Restaurants
$3,600/yr
10,800 pts
BASE
Spend: $36,180/yr
Reward: $622.3
All other business spending (10 categories)
Office Supplies
$3,000/yr
6,000 pts
Electronics & Software
$1,200/yr
2,400 pts
Phone, Internet & Cable
$2,400/yr
4,800 pts
Shipping & Courier
$1,800/yr
3,600 pts
Accounting & Bookkeeping
$1,800/yr
3,600 pts
Recurring Bills & Subscriptions
$4,800/yr
9,600 pts
Transportation
$1,200/yr
2,400 pts
US Dollar Purchases
$6,150/yr
12,300 pts
Other Foreign Currencies (EUR, GBP, etc.)
$1,230/yr
2,460 pts
All Other Business Expenses
$12,600/yr
25,200 pts
Welcome bonus at your spending
$602
70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership
70,000 pts
Insurance & Benefits
Insurance
Coverage
Common Carrier Travel Accident Insurance
Flight Delay
Baggage Delay
Lost or Stolen Baggage
Hotel Burglary Insurance
Mobile Device Insurance
.svg){kind=small}
Car Rental Damage & Theft
Extended Warranty
Purchase Protection
Benefits
Details
.svg){kind=small}
Status lift
Free Extra Night at Hotels
Pros & Cons
Pros
- Generous welcome bonus
- High hotel optimization
- Annual free night certificate
- Automatic Silver Elite status
Cons
- Lower acceptance
- Annual fee
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.