travel4.2 / 5

Marriott Bonvoy Business American Express Card

American Express

Best for

Business owners who stay at Marriott properties and want a free night plus elevated earn on travel expenses.

Apply on American Express

Annual fee

$150

FX fee

2.5%

Purchase APR

21.99%

Income req.

—

Recommended credit score

680+

Approval difficulty

Moderate approval

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

~$630 value

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)

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Marriott Bonvoy Business American Express Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/amex-marriott-bonvoy-business, updated June 2026.

Sources

American Express cardholder agreement and rates & fees disclosure
VaultNerd cards database