Marriott Bonvoy® Business American Express® Card Review

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 110,000-point welcome bonus is one of the highest among hotel cards. 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.

Marriott Bonvoy® Business American Express® Card

Marriott Bonvoy® Business American Express® Card

4.0

Finly Rating

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Welcome Bonus

Earn up to 110,000 bonus Marriott Bonvoy® points

Rewards Rate

2x - 5x

Points

Annual Fee

$150

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

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Card Details

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

  $500
• 

  Baggage Delay

  $500
• 

  Lost or Stolen Baggage

  $500
• 

  Hotel Burglary Insurance

  $500
• 

  Mobile Device Insurance

  $1,000
• 

  Car Rental Damage & Theft

  Yes
• 

  Extended Warranty

  1 year
• 

  Purchase Protection

  90 days

Benefits

Details

• 

  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

  Good
• Annual Income

  N/A

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