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Marriott Bonvoy® Business American Express® Card Review
The Bottom Line
The Marriott Bonvoy® Business American Express® Card offers strong rewards, especially for frequent travelers who stay at Marriott properties, with the ability to earn 5 points per $1 spent and a generous welcome bonus. Additionally, the annual free night certificate and automatic Silver Elite status add value for business owners. However, the $150 annual fee and the lower acceptance rate of American Express might be drawbacks for some users, particularly those who don't travel frequently or prefer more widely accepted cards.
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Welcome Bonus
Earn 60,000 Marriott Bonvoy® points
Annual Fee
$150
Interest Rates
21.99%* / 21.99%*
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)
Insurance
Coverage
Common Carrier Travel Accident Insurance
$500,000
Flight Delay
$500Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$500
Mobile Device Insurance
$1,000.svg)
Car Rental Damage & Theft
Yes
Extended Warranty
1 year
Purchase Protection
90 days
Benefits
Details
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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.
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.
Eligibility
Credit Score
GoodAnnual Income
N/A
*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. Check here for full details and current product information.
Welcome Bonus Details
Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership.
Card Details
Interest Rates
Purchase APR
21.99%*
Cash Advance APR
21.99%*
* 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%.
Fees
Annual Fee
$150
Additional Cards
$50
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- High Welcome Bonus: Earn up to 60,000 points, which can be highly valuable when redeemed for hotel stays or transferred to airline partners.
- Strong Rewards at Marriott Properties: Earn 5 points per $1 spent at Marriott properties, and 3 points per $1 on gas, dining, and travel.
- Annual Free Night Certificate: Receive a certificate worth 35,000 points annually.
- Automatic Silver Elite Status: Enjoy perks like late checkout and room upgrades at Marriott hotels.
Cons
- Lower Acceptance: As an American Express card, it has lower acceptance compared to Visa or Mastercard.
- Annual Fee: $150 annual fee, which may be a consideration if you don't use the card's benefits frequently.
Marriott Bonvoy® Business American Express® Card
4.0
FinlyWealth Rating
on American Express' website
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