Marriott Bonvoy Business American Express Card
American Express · American Express
Business owners who stay at Marriott properties and want a free night plus elevated earn on travel expenses.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A strong hotel card for small businesses: the anniversary free night and 3x business-friendly categories make it easy to justify keeping year after year.
Reward rates
Marriott Bonvoy hotels | 5x |
Gas | 3x |
Dining | 3x |
Other travel 3x on eligible gas, dining and travel; cap applies | 3x |
Everything else | 2x |
VaultNerd values these points at ~0.9¢ each.
Welcome bonus
Up to 80,000 Marriott Bonvoy points (70,000 in year one plus 10,000 in month 13); first-year value reflects the 70,000 points
Requirement: Spend $5,000 in the first 3 months (70,000 pts), plus $1,000 in month 13 (10,000 pts)
Pros
- Annual free night comfortably outvalues the $150 fee
- Better category earn rates (3x gas/dining/travel) than the personal version
Cons
- No travel emergency medical insurance
- Bonvoy points have a lower per-point value than airline miles
Perks
- Annual Free Night Award worth up to 35,000 points every year after your first anniversary
- 15 Elite Night Credits each calendar year; Gold Elite with $30,000 annual spend
- 3x on gas, dining and travel beats the personal Bonvoy card
- Option to carry a balance or pay in full each month
- Employee cards to pool points and track expenses
Insurance
- Travel accident insurance $500,000
- Flight delay, baggage delay and lost/stolen baggage ($500 each)
- Rental car theft and damage (vehicles up to $85,000, 48 days)
- Hotel/motel burglary $500
- Purchase protection (90 days) and extended warranty (+1 year)
Frequently asked questions
Is the Marriott Bonvoy Business American Express Card worth it?
It charges a $150 annual fee, and we rate it 4.2 out of 5. It's best suited to business owners who stay at Marriott properties and want a free night plus elevated earn on travel expenses. The welcome bonus is worth roughly $630, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Marriott Bonvoy Business American Express Card earn?
It earns 5x on marriott bonvoy hotels, 3x on gas and 3x on dining. We value these points at about 0.9¢ each, so the top rate works out to roughly 4.5% back.
What credit score do you need for the Marriott Bonvoy Business American Express Card?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Marriott Bonvoy Business American Express Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/amex-marriott-bonvoy-business, updated June 2026.
- American Express cardholder agreement and rates & fees disclosure
- VaultNerd cards database