Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Marriott Bonvoy Business™ American Express® Card review

Last updated:  

Get an annual free night and earn solid rewards on hotels and everyday purchases.

finder.com’s rating: 4.4 / 5

★★★★★

  • Get this card if you frequently stay at Marriott Bonvoy properties, or if you can take advantage of the card’s 4x-points categories.
  • Pick something else if you want general travel rewards.
  • Apply with a good to excellent credit score of 670 or higher.

100,000

Points as welcome offer

Up to 6x

Points

$125

Annual fee

15.74% to 24.74%

Purchase APR (variable)

Details

Product NameMarriott Bonvoy Business™ American Express® Card
Card typeAmerican Express
Annual fee$125
Purchase APR15.74% to 24.74% variable
Balance transfer APRN/A
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Penalty APR29.24% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment fee$39
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Marriott Bonvoy Business™ American Express® Card is a $125-annual-fee card for small-business owners. In truth, it’s quite similar to the Marriott consumer card offerings, though with a few extra business trappings: It offers 6x points at participating Marriott Bonvoy properties. Until January 13, 2021, you’ll also earn 100,000 points after you make $5,000 in purchases with your card within the first 3 months, up to $150 in statement credits within your first 6 months, and a 25,000 point bonus on your first card anniversary.

According to our current valuations, 6x points translates to a 5.4% reward rate, which is excellent. The card’s bonus rewards on eligible dining, gas, wireless phone service and shipping are quite good as well, coming out to a 3.6% reward rate. These are good rates for the annual fee, especially considering the Marriott Bonvoy Brilliant has comparable rates at a higher annual fee.

You’ll also enjoy expense management tools and free employee cards if you choose. Aside from that however, you’re looking at a fairly standard Marriott card. Like the consumer cards, you’ll earn complimentary Marriott Bonvoy Silver Elite status with this card. It’s not the most valuable elite tier, but one with late checkout based on availability and a 10% points bonus on bookings. New cardholders who sign up before January 13, 2021 however will enjoy a year of Platinum elite status starting on February 1, 2021 and ending on January 31, 2022.

That’s not all — you’ll also earn a Free Night Award after every card anniversary — worth up to $315 according to our current valuations.

On the whole, this card has grown substantially from its old form and is a worthy choice for business-owners invested in the Marriott brand.

How to apply for the Marriott Bonvoy Business™ American Express® Card

  1. Go to the provider's site and click Apply now.
  2. Complete the application with details like your name, address, annual income, Social Security number and business information.
  3. Review and submit your application.

How long will it take to get my Marriott Bonvoy Business™ American Express® Card?

Because conditional credit card approval is automated on the website, you may get a decision on your application within just a minute. If there are issues with your application, it may take a few business days to a few weeks to hear back.

After you’re approved, you’ll typically receive your card within 7 to 10 business days.

The perks

  • Welcome offer: 100,000 bonus points. Also earn up to $150 in statement credits over your first 6 months and a 25,000 point bonus on your first card anniversary.

    To earn this welcome offer, make $5,000 in purchases within the first 3 months from account opening. You can earn the statement credits on US advertising in select media, and your anniversary points are automatically deposited into your account following your anniversary date. This welcome offer package expires on January 13, 2021.

    For the price of the card, this is a terribly strong welcome offer. With 100,000 Points, you can book a night at any eligible property, according to the Marriott Bonvoy website. Reward nights range in cost from 7,500 to 60,000 points. The anniversary points and statement credits are icing on the cake and help stretch out the value of the card for your business.

  • Rewards: Up to 6x points.

    You’ll earn 6x points on eligible purchases at participating Marriott Bonvoy hotels. This was the rate that existed before August 2018, and it’s still a strong rate.

    The card’s new rewards tier is a pleasant surprise. You’ll earn 4x points at US restaurants and US gas stations as well as on eligible US wireless service and US shipping. This means you don’t have to travel often to squeeze significant rewards from the card.

    You’ll earn 2x points on all other eligible purchases.

    Redeem your points for rewards like nights at Marriott Bonvoy properties, as well as flights and car rentals through Marriott Bonvoy’s airline program. You can also transfer points to more than 40 frequent-flyer programs at a 3:1 ratio.

  • Complimentary Silver Elite status.

    You’ll earn Silver Elite status in the Marriott Bonvoy program. That means you’ll receive complimentary in-room Internet access, a 10% points bonus on eligible spending, priority late checkout and a dedicated Elite reservation line.

    New cardholders who signup before January 13, 2021 will enjoy a complimentary year of Platinum Elite, starting February 2, 2021 and ending on January 31,2022. After this welcome offer period, your account will revert to Silver Elite status.

  • Free Night Award.

    A great perk that helps you recoup the value of your annual fee. Every year after your card account anniversary, you’ll receive a Free Night Award. This is good for one night that costs 35,000 or fewer points.

You’ll also like

  • Elite Night Credit.

    You’ll receive credits for 15 nights toward higher Elite status within 60 days from account opening. You’ll receive these credits every calendar year. With the combined Marriott Bonvoy program, it takes 25 to 49 nights a year to reach Gold Elite and 50 to 74 nights to reach Platinum Elite.

  • Points boost for eligible point transfers.

    For every 60,000 points you transfer, Marriott International will add a 15,000-point bonus. On your transfer at a 3:1 ratio, that means you’ll receive 25,000 miles instead of 20,000.

  • No foreign transaction fees.

    You won’t incur fees when you use your card abroad or at foreign websites. Typically, providers charge a 3% fee each time you use your card for an international transaction. It doesn’t sound like much, but it can add up over a trip spanning several days.

    Since the Marriott Bonvoy Business™ American Express® Card comes with no foreign transaction fees, it can be a good choice for vacations or business trips.

  • Wi-Fi access.

    Receive complimentary in-room, premium Internet access at participating Marriott Bonvoy hotels. Also, receive free unlimited Wi-Fi at more than 1 million hotspots worldwide through the Boingo American Express Preferred Plan.

  • Expense management tools.

    Add employee cards at no extra cost. If you’d like, you can designate an Account Manager that has administrative access to your account. Get access to the American Express® Business App, which lets you add notes and receipts to your transactions online, as well as Year-End Summaries of charges on your card.

    To make recordkeeping easier, you can label your transactions and transfer them to QuickBooks.

  • Travel benefits.

    When you purchase the entire fare of your eligible transportation ticket with your Marriott Bonvoy Business™ American Express® Card, you’re covered by the American Express Baggage Insurance Plan. This insures your bags against theft, damage or accidental loss according to American Express’s terms.

    Access the Global Assist Hotline when you’re more than 100 miles from home, which provides medical, financial, legal and other emergency services.

    Lastly, you’ll enjoy travel benefits when you pay for a car rental with your Marriott Bonvoy Business™ American Express® Card and decline the collision damage waiver, the vehicle is covered against damage or theft.

  • Purchase benefits.

    You can access Amex Offers, from which you’ll receive extra rewards and discounts at select retail and dining partners.

What to watch out for

  • Annual fee: $125.

    You’ll pay an annual fee of $125 to own the card (see rates & fees).

  • No balance transfers.

    American Express doesn’t allow balance transfers to this card. However, there are many business credit cards that allow balance transfers.

  • Penalty APR.

    American Express may apply a penalty APR for all balances of 29.24% variable if you make two or more late payments in a 12-month period, fail to make the minimum payment by the due date or make a returned payment. This penalty APR will apply to your account for at least 12 consecutive billing periods.

Compare business credit cards

Want to know how the Marriott stacks up against other business cards? Select your credit score below and click “Show Cards” to compare up to 4 cards side-by-side.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, restaurants, gas stations, office supply stores, local transit and commuting, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 75,000 miles once after spending $5,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
loading

Compare up to 4 providers

What size business is the Marriott Bonvoy Business™ American Express® Card good for?

This product is especially effective for businesses that often send employees on business trips. But with the new rewards structure, it can be a good pick even if you don’t spend much on travel. That’s because it offers accelerated points in more business categories: US restaurants, US gas stations and wireless telephone services purchased directly from US service providers.

What should I know before I apply?

To apply for the Marriott Bonvoy Business™ American Express® Card, you must be:

  • 18 years or older.
  • A US resident.

Information you’ll need

    To complete the application, you’ll need to provide information about yourself and your business, including:
  • Your name and residential address.
  • Your Social Security number.
  • Your email address, phone number and date of birth.
  • Financial information like your annual income and your monthly rent or mortgage.
  • The name of your business, its mailing address and its phone number.
  • Your employee count, business type and business structure.
  • Your years in business, annual business revenue and monthly business spending.
  • Your business’s federal tax ID.

What credit score do I need?

You’ll have a better chance of being approved for the Marriott Bonvoy Business™ American Express® Card if you apply with a good to excellent credit score of 670 or higher. If you have a healthy business and excellent credit, your likelihood of approval is strong.

Here are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report. If you have several hard inquiries — or hard pulls — on your report, it could imply you’re having trouble managing your debt. American Express might think you’re desperate for credit and may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Your credit utilization is a major factor American Express considers. The bank prefers a customer with low balances relative to their credit limit. Having many new card accounts may be a red flag too, as it could indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for welcome offers.

Marriott Bonvoy Business™ American Express® Card reviews and complaints

The American Express Company has been accredited with the Better Business Bureau since 1948 and earns an overall A+ rating as of October 2020. However, 90% of its reviews are negative and it has nearly 3,400 customer complaints. Amex cardholders in general complain of rude customer service reps, missing statement credit and issues disputing charges.

The company earns a Trustpilot score of 2 out of 5 as of October 2020. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews say the company employs pleasant customer service representatives. Overall, your mileage may vary with American Express customer support.

I got the card. Now what?

  • Register an account on the American Express website to pay your balance online. You can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of at least 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees up to $39.
  • Contact customer service. Help documents aren’t easily accessible on the American Express website, but you can call 1-800-528-4800 to speak with a customer service rep. According to market research company JD Power, cardholders give American Express high marks in customer interaction.

Bottom line

With its new rewards structure, the Marriott Bonvoy Business™ American Express® Card has become a great choice for more businesses. Whether you frequently stay at Marriott Bonvoy hotels or simply want to save up for an occasional stay, this card can help you maximize your rewards.

Looking for other travel card options? Compare more business credit cards to find one that suits your business needs.

Frequently asked questions

Images: American Express

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site