Review: Marriott Rewards Premier Business card February 2018 | finder.com

Review: Marriott Rewards® Premier Business – February 2018

A card offering a strong signup bonus and high point earnings for a variety of business spending.

  • Get this card if you stay at Marriott properties often or want to save up for an occasional Marriott stay.
  • Pick something else if you don’t stay at Marriott properties.
  • Recommended good to excellent credit range of 680 to 850 to apply.
Product NameMarriott Rewards® Premier Business credit card
Balance Transfer Rate (not intro)17.24% to 24.24% variable
APR for Purchases ( Purchase Rate )17.24% to 24.24% variable
Annual fee$99
Cash Advance Rate26.24% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 20 days
Returned Payment Fee$39
Minimum Interest$0
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$99
Returned Payment Fee$39
Late Payment Fee$39
Cash Advance Fee$15 or 5% of the amount of each transaction, whichever is greater

The basics

If you’re looking for a hotel card, Marriott Rewards Premier Business is an attractive choice. It comes with an outstanding signup bonus: 75,000 points if you spend $3,000 in the first three months. That’s enough for 10 free stays at Marriott, given that free nights start at 7,500 apiece for Category 1 hotels. You’ll even have enough to book a night at a Category 9 hotel, which starts at 45,000 points.

What is a Marriott hotel category?

Marriott organizes its hotel in Categories 1 through 9. Categories don’t reflect star ratings, quality or service — rather, they indicate how many points you’ll need to earn a free night.

Categories generally represent levels of accommodations, such as a roadside or resort hotel, and vary by city. Which means that a Residence Inn in one neighborhood might be Category 1 — requiring only 7,500 points for a free night — but Category 3 elsewhere, requiring 15,000 points.

If you stay at Marriott often, you’ll earn even more: 5x points at Marriott Rewards and Starwood Preferred Guest hotels. That’s in addition to the 10x points you’ll earn as a Marriott Rewards member at most Marriott properties. Needless to say, the Marriott Rewards Card is a powerful points machine if you’re a Marriott regular.

Your company can benefit from this card for spending in the right categories, even if you don’t stay at Marriott much. You’ll earn 2x points at car rental agencies, restaurants and office supply stores and on airline tickets, Internet, cable and phone service. You’ll earn 1x points on everything else you buy. For many business owners, those earnings are good enough for at least a few free Marriott nights each year.

Additionally, you’ll earn a free night at a Category 1–5 hotel each year you remain a cardholder. You’ll automatically earn enough Elite credits to attain Silver status in the Marriott Rewards program, with an automatic upgrade to Gold if you spend $50,000 on your card each year. Finally, you’ll get travel and purchase coverage, such as trip cancellation coverage and purchase protection.

And you get all of these perks for a $99 p.a. annual fee.

The perks

  • SIGNUP BONUS: Lots of points. You’ll receive 75,000 points when you spend $3,000 in the first three months to spend on stays at any Marriott property.
  • POINTS: More points on travel. Earn 5x points at Marriott Rewards and Starwood Preferred Guest hotels. Earn 2x points at car rental agencies, restaurants and office supply stores and on airline tickets, Internet, cable and phone service. And earn 1x points on everything else you buy.
  • HOTEL STAYS: A free night every year. Every year after your cardmember anniversary, you’ll earn a free night at a Category 1–5 hotel in the Marriott collection.
  • ANNIVERSARY BONUS: Marriott Rewards accelerators. Each year you have your card, you’ll receive 15 Elite credits — that’s enough to qualify for Silver Elite status. Also receive one credit for every $3,000 you spend with your card.

You’ll also like …

  • Marriott Rewards Gold Elite status after hitting spending requirements. Each year that you spend at least $50,000 with your card, you’ll earn complimentary Gold Elite status in Marriott Rewards.
  • No foreign transaction fees. Use your Marriott Rewards Premier card internationally without paying transaction fees.
  • Travel and purchase coverage. Enjoy benefits like baggage delay insurance, lost luggage reimbursement, trip cancellation insurance and trip delay reimbursement along with purchase protection.
  • Access to Visa Concierge. Use the Visa Signature Concierge to make plans in dining and entertainment.

What to watch out for

  • It hurts to pay late. Making late or returned payments could result in fees as high as $39.
  • Points expiration. Your points expire if you don’t make a purchase on your card at least once every 24 months.

Consider other cards if …

Compare other Chase credit cards

Rates last updated February 23rd, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Southwest Rapid Rewards® Plus Credit Card
17.24% to 24.24% variable
$69
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
Southwest Rapid Rewards® Premier Business Credit Card
17.24% to 24.24% variable
$99
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 6,000 anniversary bonus points.
United MileagePlus® Club card
17.24% to 24.24% variable
$450
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
United MileagePlus® Explorer Business card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
50000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
United MileagePlus® Explorer card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
40000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
Marriott Rewards® Premier Business credit card
17.24% to 24.24% variable
$99
75000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
Marriott Rewards® Premier credit card
17.24% to 24.24% variable
$85
80000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier credit card.
The Hyatt Credit Card
17.24% to 24.24% variable
$75
Get 40000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
British Airways Visa Signature® card
17.24% to 24.24% variable
$95
Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
Disney® Visa® Card
17.24% variable
$0
Earn 1% in Disney Rewards Dollars on all card purchases.
Disney® Premier Visa® Card
17.24% variable
$49
Earn a $200 statement credit after you spend $500 on purchases in the first 3 months from account opening.
The Ritz-Carlton Rewards® Credit Card
17.24% to 24.24% variable
$450
2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening.
The Chase Freedom® Unlimited™ credit card
16.24% to 24.99% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Chase Freedom® credit card
16.24% to 24.99% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Chase Sapphire Reserve
17.24% to 24.24% variable
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Chase Sapphire Preferred® credit card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 2X points on travel and dining at restaurants.
Chase Slate® credit card
16.24% to 24.99% variable
0% Intro APR for First 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.

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What should I know before I apply?

To apply for the Marriott Rewards Premier Business credit card, you must be at least 18 years old (or 19 in Alabama and Nebraska).

Always consider your options and your financial situation before you apply for a credit card.

Information you’ll need

  • The legal name of your business and details on your business category, number of employees, years in business, business mailing address and annual business revenue
  • Your tax ID number
  • Your full name and contact information
  • Your residential status
  • Your annual income, source of income and employment information
  • Your Social Security number and mother’s maiden name

What credit score do I need?

You’ll have a better chance of being approved for the Marriott Rewards Premier Business card if you apply with a good to excellent credit score of 680 or higher.

How to apply for the Marriott Rewards Premier Business card

1. Go to the Chase website and click Apply Now.
Marriott Rewards® Premier Business screenshot 1
2. Complete the application with your name, address, annual income, Social Security number and business information. Then review your application and submit it.
Marriott Rewards® Premier Business screenshot 2

How long will it take to be approved?

Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the Chase website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 20 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 of up to $39. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Chase support at 800-432-3117, send a secured email from your account or connect on Twitter @ChaseSupport.

Bottom line

Offering points for a variety of business spending, the Marriott Rewards® Premier Business credit card is an excellent way to earn free Marriott nights. Before you may any decisions compare other Chase credit cards.

Frequently asked questions about the Marriott Rewards Premier Business card

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