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Marriott Bonvoy Business American Express Card Review

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Marriott Bonvoy Business American Express Card
Welcome Offer
50,000 points
Rewards
Up to 5 points per $1 spent
Annual Fee
$150
Purchase Interest Rate
20.99%
Cash Advance Rate
21.99%

Our verdict

Earn reward points for the Marriott Bonvoy™ program with the Marriott Bonvoy™ Business American Express® Card.

With the Marriott Bonvoy Business American Express Card, you'll earn Marriott Bonvoy points that can be used for free nights at Marriott hotels as well as getaways, and more. Earn 50,000 welcome bonus Marriott Bonvoy points after you charge $1,500 in purchases to your card in the first three months.

Best for: Business owners looking to earn Marriott Bonvoy points.

Pros

  • Earn a welcome bonus up to 50,000 points
  • Earn up to 5 points per $1 spent
  • Business solutions

Cons

  • Annual fee of $150
  • High penalties for missed payments

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The Marriott Bonvoy™ Business American Express® Card offers users annual rewards, as well as access to a suite of American Express business solutions and insurance benefits.

Key features

  • Business solutions. American Express offers card users the chance to pay back balances in lump sums, or over time. Card users will also be given access to tools and programs to help manage finances for business operations.
  • Insurance benefits. Card users will have access to travel and business insurance benefits and services.
  • Supplementary cards. Card account holders can link up to 99 supplementary cards to the Marriott Bonvoy™ account. This maximises the chance to earn points. There is a $50 annual fee on supplementary cards, but these fees may be tax deductible.
  • Marriott Bonvoy™ reward program. Using the Marriott Bonvoy Business American Express Card allows you to earn distinctive awards from the Marriott Bonvoy™ program. Accrued points can be used on flights, event passes and free hotel accommodations with no blackout dates at over 7,000 participating Marriott hotels worldwide.
  • 24/7 customer service. You’ll be able to get the help you need, at any time of day, with American Express customer support.

Bonus features

  • Welcome bonus. Earn 50,000 welcome bonus Marriott Bonvoy points.
  • Marriott Bonvoy™ membership upgrade. Upgrade to Gold Elite status after you charge $30,000 in net purchases to your card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
  • Annual free night. Each year, if your account is in good standing, you will be automatically awarded with a one night stay at a participating Marriott Bonvoy™ property.
  • Accelerated points earning. Earn 5 points for every $1 in purchases at participating Marriott Bonvoy hotels, 3 points for every $1 spent on eligible gas, dining and travel, and 2 points for every $1 spent on everything else.
  • Business management tools. Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

What to watch out for

  • Overseas use. American Express cards are not as widely accepted overseas as Visa or Mastercards.
  • Rate increases. Interest rates can increase to up 26.99% if you miss 3 payments in any 12 month period.

Marriott Bonvoy Business American Express Card interest rates

Interest TypeInterest Rate
Purchase interest rate20.99%
Cash advance rate21.99%

What should I know before I apply?

Eligibility requirements:

To be eligible for the Marriott Bonvoy Business American Express Card you must:

  • Be a Canadian resident.
  • Have a Canadian credit file.
  • Be the age of majority in the province or territory where you live.

Required documents and information:

  • Your name and contact information.
  • The name of your business and its address.
  • Financial statements and histories.

How to apply for the Marriott Bonvoy Business American Express Card

  1. Click Go to site on this page to be securely linked to the American Express website.
  2. Select the Marriott Bonvoy Business American Express Card and click ‘apply’ to begin your application.
  3. Complete the application, providing the appropriate information and documentation where necessary.
  4. Review and submit your application.

Compare other American Express credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
American Express Green Card
10,000 points
1 point per $1 spent
20.99%
$0
Min. recommended credit score: 700
Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. That’s $100 towards groceries or concert tickets.
SimplyCash Card from American Express
$100 in statement credits
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 700
In your first 10 months, earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases. This could add up to $100 in statement credits in the first 10 months.
American Express Aeroplan Reserve Card
90,000 points
Up to 3x points
20.99%
$599
Min. recommended credit score: 700
Earn up to 90,000 welcome bonus Aeroplan points. That's a first year value of up to $2,700.
American Express Aeroplan Card
40,000 points
Up to 2x points
N/A
$120
Min. recommended credit score: 700
Earn up to 40,000 welcome bonus Aeroplan points. That's a value of up to $900 in your first year.
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How long will it take to be approved?

You could get a response in as little as a minute. Approval times will vary depending on the specifics of your application. If your application is missing documentation or requires manual review, your approval could take several weeks.

Once your application has been approved, you’ll typically receive your card in the mail within 5 to 10 business days.

Bottom line

The Marriott Bonvoy Business American Express Card is a serviceable business card that offers unique reward earning opportunities.

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