Marriott Bonvoy Business® American Express® Card

The card_name is a business card designed for business travelers who enjoy staying at Marriott hotels and resorts. It has a decent welcome offer and great reward points on Marriott stays, but it does come with a $125 fee, and the benefits are limited at non-Marriott hotels. We dive into the details and your approval odds in this Marriott Bonvoy Business® American Express® Card review.

Welcome Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

Our Rating

4.4/5.0

Welcome Offer

Earn 3 Free Night Awards

Annual Fee

$125

0% on Purchases

N/A

Reward Rate

2x to 6x points

0% on Balance Transfers

N/A

How Does the Bonvoy Business Compare?

Marriot Bonvoy is a decent card for small business owners who travel and want to stay in Marriott hotels. You’ll reap some other benefits on business purchases as well.

Who Is the Bonvoy Business Best For?

Small business owners who are loyal to the Marriott brand are best suited to this card. You get a free night once a year. Plus, you can earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. You also earn 4X per dollar on gas, restaurants, shipping providers and cell phone services. You’ll also automatically achieve Gold Elite status, which includes 2 p.m. late checkout and a 25% bonus on hotel stays.

Who Would Do Better With a Different Card?

If you’re not loyal to the Marriott brand, or want to branch out, consider the Chase Sapphire Preferred® Card card. It’s an excellent travel card with an 60,000 point welcome bonus, plus you’ll earn 5X points for travel booked through Chase.

Ink Business Cash® Credit Card is an excellent choice for small business owners with excellent credit. You’ll earn 5% cash back on certain categories, plus you get a $750 sign up bonus.

If you prefer the Hilton brand, the The Hilton Honors American Express Business Card might be a good choice. You can earn 130,000 Hilton Honors bonus points upon signup and up to 12X rewards.

Welcome Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection
Travel PerksAccess to Special Events and Concerts

Rewards

2x points
On all other eligible purchases
Earn 2x points on all other eligible purchases.
4x points
Cell phone service
Earn 4x points on wireless telephone services purchased directly from U.S. service providers.
4x points
Select Categories
Earn 4x points on U.S. purchases for shipping.
4x points
Dining
Earn 4x points for purchases made at restaurants worldwide.
4x points
Gas
Earn 4x points for purchases made at U.S. gas stations.
6x points
Hotels
Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.

Interest Rates & Fees

Annual Fee$125
Foreign Transaction FeeNone
Regular APR20.99% - 29.99% (V) APR

Insurance

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

What Credit Score Is Required to Get the Marriott Bonvoy Business® American Express® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 704

Average Approved Credit Score: 757

App StatusDateCredit ScoreBureauCredit Limit
Approved12/04/2023
757
Equifax
$3,000
Approved12/04/2023
773
Experian
$3,000
Approved12/04/2023
794
TransUnion
$3,000
Approved05/06/2022
704
Not Provided
$3,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 6x points
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card

Rating

4.3

Rewards Range

3x to 12x points

Annual Fee

$95

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