Marriott Bonvoy® Business American Express® Card vs Amex Platinum Business

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

Marriott Bonvoy Business

Marriott Bonvoy® Business American Express® Card

4.5

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amex platinum business
Finly rebate
$175

Business Platinum Card® from American Express

4.6

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Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,204

First-year value

$164

$602

Every year after

$164

Marriott Bonvoy® Business American Express® Card is worth $1,039 more to your business in year one.

It stays ahead after that, by $437 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$931.9
in Marriott Bonvoy points a year

Annual rewards

Better of the two$1,143.42
in American Express Membership Rewards points a year
+ $602Better of the two
first year only

Welcome bonus

+ $0
not reached at this spending
− $150Better of the two

Annual fee

− $799
− $180
2.5% on $600/mo

FX fees

− $180
2.5% on $600/mo
$1,203.9Better of the two

First-year value

$164.42

Finly rebates are paid on top and aren't counted in these values.

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

Amex Platinum Business earns more on 10 of your 17 categories, Marriott Bonvoy® Business American Express® Card on 7.

$216.72
at 2x

All Other Business Expenses

$12,600 a year

Better of the two$299.14
at 1.25x
$105.78
at 2x

US Dollar Purchases

$6,150 a year

Better of the two$146.15
at 1.25x
$82.56
at 2x

Recurring Bills & Subscriptions

$4,800 a year

Better of the two$114
at 1.25x
$92.88Better of the two
at 3x

Gas & EV Charging

$3,600 a year

$85.5
at 1.25x
$92.88Better of the two
at 3x

Dining & Restaurants

$3,600 a year

$85.5
at 1.25x
$51.6
at 2x

Office Supplies

$3,000 a year

Better of the two$71.14
at 1.25x
$41.28
at 2x

Phone, Internet & Cable

$2,400 a year

Better of the two$57
at 1.25x
$46.44Better of the two
at 3x

Hotels

$1,800 a year

$42.64
at 1.25x
$30.96
at 2x

Shipping & Courier

$1,800 a year

Better of the two$42.64
at 1.25x
$30.96
at 2x

Accounting & Bookkeeping

$1,800 a year

Better of the two$42.64
at 1.25x
$21.16
at 2x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

Better of the two$29.18
at 1.25x
$20.64
at 2x

Electronics & Software

$1,200 a year

Better of the two$28.5
at 1.25x
$30.96Better of the two
at 3x

Air Canada

$1,200 a year

$28.5
at 1.25x
$20.64
at 2x

Transportation

$1,200 a year

Better of the two$28.5
at 1.25x
$15.48Better of the two
at 3x

Other Airlines

$600 a year

$14.14
at 1.25x
$15.48Better of the two
at 3x

Car Rental

$600 a year

$14.14
at 1.25x
$15.48Better of the two
at 3x

Other Travel

$600 a year

$14.14
at 1.25x
$931.9

Rewards in a year

Better of the two$1,143.42

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

Marriott Bonvoy® Business American Express® Card

  • 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

Amex Platinum Business

  • Earn up to 120,000 bonus Membership Rewards® points
  • Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
  • That’s up to $1,200 in statement credit that can be reinvested in your business

Marriott Bonvoy® Business American Express® Card

Worth $602 at your spending

70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership

70,000 pts

Amex Platinum Business

Worth $0 at your spending

80,000 MR points when you spend $15,000 in the first 3 months

0 pts

40,000 MR points when you make a purchase in months 15-17 (card year 2)

40,000 pts

40,000 points when you make a purchase between 15 and 17 months of Cardmembership (card year 2)

40,000 pts

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$150Better of the two

Annual fee

$799
$50

Employee cards

$250 per Platinum, $0 per Gold (max 99)
2.5%

Foreign transaction fee

2.5%
Marriott Bonvoy

Rewards

American Express Membership Rewards
American Express

Network

American Express

Marriott Bonvoy® Business American Express® Card

Interest rates

Purchase:

21.99%1

Cash Advance:

21.99%1

1 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%.

Recommended credit score

300
Poor
693
Fair
743⁎
Good
790⁎
Very Good
833⁎
Excellent
⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

Amex Platinum Business

Interest rates

Purchase:

21.99% - 30%2

Cash Advance:

21.99% - 30%2

2 This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day account is opened.

Recommended credit score

300
Poor
693
Fair
743⁎
Good
790⁎
Very Good
833⁎
Excellent
⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

Marriott Bonvoy® Business American Express® Card

  • 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)

Amex Platinum Business

  • 1.25x points per $1 spent on all purchases

Insurance and perks

What both cards include comes first in each list.

Marriott Bonvoy® Business American Express® Card

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    Yes
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $500
  • hourglass timer

    Flight Delay

    $500

Perks

  • star fall

    Status lift

    Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.
  • bed furniture

    Free Extra Night at Hotels

    Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.

Amex Platinum Business

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    Yes
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,500
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $1,000
  • hourglass timer

    Flight Delay

    $1,000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $1,500

Perks

  • star fall

    Status lift

    Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.
  • bed furniture

    Free Extra Night at Hotels

    Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.
  • concierge

    Concierge Services

    Personalized concierge at your service
  • discount

    Discount

    Your Business Platinum Card gets you savings on the seats you really want and lower fares on premium tickets with participating airlines
  • grwoth

    Interest on Balance

    Up to 55 interest-free days
  • Amex logo

    American Express® Experiences

    Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts, theatre shows, and special offers with American Express® Experiences
  • travel

    Travel Credit

    Access a $200 Annual Travel Credit each year of your Cardmembership
  • border guard

    Nexus Program Rebate

    Access a $100 credit for NEXUS with your Cardmembership
  • alcohol cheers

    Airport Lounge - American Express Global Lounge

    Take full advantage of the American Express Global Lounge CollectionTM which unlocks access to over 1400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply.
  • hotel

    Complimentary Hotel Benefits

    Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
  • airport waiting room

    Priority Travel

    At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
  • mobile phone wifi

    Wireless Credit

    Up to $120 in statement credits each year. Spend $10 each month with eligible wireless providers month and get a $10 credit.
  • business briefcase

    Business Statement Credits

    Up to $500 in business statement credits. Enroll and earn statement credits on eligible purchases with $200 Dell statement credit, $300 Indeed statement credit.

Our take

Marriott Bonvoy® Business American Express® Card

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.

  • Generous welcome bonus
  • High hotel optimization
  • Annual free night certificate
  • Automatic Silver Elite status
  • Lower acceptance
  • Annual fee

Amex Platinum Business

The most premium business card in Canada, and priced accordingly at $799/year. You get 1.25x Membership Rewards points on everything, a massive welcome bonus of up to 120,000 points, and a deep roster of perks: airport lounge access, hotel elite status, statement credits, and comprehensive insurance. The value proposition only works if you travel frequently and use the perks — the earn rate alone doesn’t justify the fee. But for businesses that fly often, entertain clients, and want best-in-class coverage, the benefits can far exceed the cost. Amex acceptance gaps in Canada remain a consideration.

  • Optimize all purchases
  • Premium travel perks
  • Comprehensive insurance
  • Interest grace period
  • Business statement credits
  • High annual fee
  • Limited acceptance

More business card comparisons

Each card against every other business card we review.

Marriott Bonvoy® Business American Express® Card

Amex Platinum Business

Legal

Marriott Bonvoy® Business American Express® Card

*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.

Amex Platinum Business

*Terms and conditions apply.


This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day account is opened.


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.