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Marriott Bonvoy Business™ American Express® Card

Credit needed
Good
APR
Variable: 15.74%-24.74%
Annual Fee
$125

Card Summary

A hotel-brand cobranded credit card that rewards business travelers with the Marriott Bonvoy American Express Card, This card is for those who frequent Marriott and Ritz-Carlton properties. Six points per $1 on eligible Marriott Bonvoy property purchases, four points per $ on select categories purchases and two points for all eligible purchases.

After you make eligible purchases of $3,000 with your Card, you'll get a welcome offer worth 75,000 points. You can also earn $150 in credit on purchases you make with your Card during the initial 3 months.

Cardholders will enjoy valuable benefits such as free internet access in premium at participating hotels and baggage insurance.

Review of Marriott Bonvoy Business American Express card:

This card offers valuable benefits to businesses who stay in Marriott Bonvoy properties, and make purchases in certain point-earning categories. However, the annual fee is high and there's a very high rate.

Card Summary - Cons

Rates and fees

Issuer Name
American Express
Penalty APR
29.24% Variable
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$125
Cash Advance Fee
The cash advance amount can be either $5 or 3%, depending on which is higher.
APR
Variable: 15.74%-24.74%
Foreign Transaction Fee
None
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The Best Features

Reward: Six points per dollar earned by the Marriott Bonvoy Business America Express Card on all eligible purchases at Marriott Bonvoy properties or Marriott stores.

Four points are earned per dollar for eligible purchases made at U.S.-based restaurants, gas stations and U.S. postal services. Other eligible purchases earn 2 points per $1.

Receive 75,000 Marriott Bonvoy Points as a welcome offer. After you sign up for your Card, spend $3,000 on eligible purchases with the Card. You can also earn $150 in credit on purchases you make with your Card during the initial 3 months.

Card benefits and hotel perks: You will receive a one-night free stay at a hotel each year after you reach your card anniversary. Additionally, you'll get an extra night free of charge if you spend $60,000 within the calendar year.

You will receive a complimentary Marriott Bonvoy Gold Elite card that offers you premium internet access in participating hotels. It also includes priority late checkout and 10% bonus points on qualifying hotel purchases.

Additional benefits of the card include baggage insurance, car rental damage and insurance for loss or damage to cars and travel assistance via Global Assist.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Annual Fee: There is an $125 fee for the Marriott Bonvoy Business American Express card.

There is no introductory rate of 0%: Some hotel cards have a 0% APR for purchases and balance transfers. The Marriott Bonvoy Business American Express Card doesn't offer this, You can choose between a variable APR of 15.74% to 24.74%.

High APR: Marriott Bonvoy Business American Express Card has an APR between 15.74% and 24.74% Variable.

This is quite high in comparison to other hotel credit card rates. Average minimum APR of all U.S.

News hotel cards are 15.22% and average maximum APR at 23.07%.

Highlights

Receive 75,000 Marriott Bonvoy Points as a Welcome Offer after your Card is activated. This card can be used to purchase $3,000 of eligible products within 3 months. You can also earn $150 in credit on purchases you make with your Card during the initial 3 months. Participating hotels in Marriott Bonvoy.

You will earn 4x points in U.S. restaurants and U.S. gasoline stations when you purchase wireless phone services directly from U.S. service provider. Also, for U.S. shipping purchases, you get 2x points. All other eligible purchases earn 2x points Each year, you will receive 1 free night award after the anniversary of your card account.

You can also earn an additional free night award if you make $60K or more in Card purchases within a single calendar year. Redemption levels at or below 35,000 Marriott Bonvoy Points are required to redeem awards for one-night stays at participating hotels in Marriott Bonvoy.

Some hotels charge resort fees. Your Card comes with complimentary Marriott Bonvoy Silver Elite status. You can also earn Gold Elite status by spending $35,000 on eligible Card purchases within a calendar year. These terms and conditions apply.

Benefits

Comparative Analysis with Other Cards

Marriott Bonvoy Business American Express Card Vs. Hilton Honors American Express Business Card

Annual fee: A $125 fee is charged for the Marriott Bonvoy American Express Card. Annual fee for the Hilton Honors American Express Business Card is $95.

Reward: The Marriott Bonvoy American Express Card earns six points for every dollar spent at Marriott Bonvoy properties or Marriott stores. You can also earn four points per $1 on eligible U.S. restaurant and gas station purchases, as well as on U.S. wireless phone services and U.S. shipping orders. You can earn 12 points per $1 at Hilton Honors American Express Business Card hotels and resorts, 6 points per $ on selected business or travel purchases and 3 points per $0. on all other eligible purchases.

Sign-up bonus: You will receive 75,000 Marriott Bonvoy Points as a welcome offer when you sign up for the Marriott Bonvoy Business American Express card. This Card allows you to spend $3,000 on eligible purchases during your first three months. You can also earn $150 in credit on purchases you make on your Card during the first three months of Card Membership.

After you spend $2,000 on eligible purchases with the The Hilton Honors American Express Business Card in the first 3 months, you will earn 130,000 Hilton Honors bonus points. You can also earn an additional 10,000 Hilton Honors bonus points if you make a minimum of $10,000 on your Card purchases within the first six months.

Benefits: Marriott Bonvoy Business American Express card benefits include access to premium internet at participating hotels and car rental loss and damages insurance.

Hilton Honors American Express Business Card provides 10 free airport lounge visits each year with Priority Pass Select. This is a luggage insurance plan that includes Hilton Honors Gold status. It also offers perks like room upgrades and a 80% bonus on hotel purchases.

Marriott Bonvoy Business American Express Card Vs. Ink Business Preferred Card

Annual Fee: A $125 fee is charged by the Marriott Bonvoy Business American Express card. Annual fee for the Ink Business Preferred Credit Card is $95.

Reward: Marriott Bonvoy Business American Express card holders receive six points for every dollar spent at Marriott Bonvoy properties or Marriott stores. They also earn four points per $1 at U.S. stations, restaurants, gas stations, on U.S. orders, as well as on U.S. wireless phone services. All other purchases are eligible to earn two points per $1.

3 points per dollar earn the Ink Business Preferred Credit Card on $150,000 in annual combined travel, shipping and internet purchases. This includes advertising purchased via social media and search engines. All other purchases earn 1 point per $1.

Sign-up bonus: You will receive 75,000 Marriott Bonvoy Points as a welcome offer when you sign up for the Marriott Bonvoy Business American Express card. This Card can be used to purchase $3,000 of eligible merchandise within 3 months. You can also earn $150 in credit on purchases you make with your Card during the first three months.

After you have spent $15,000 in purchases within the first three months of account opening, you will receive $150 back in statement credits. You will receive 100k bonus points when you redeem your Chase Ultimate Rewards, Ink Business Preferred Card for $1,250 towards travel, or $1,000 cashback.

Benefits: Cardholders of the Marriott Bonvoy American Express Card receive premium internet access in participating hotels and baggage insurance. Ink Business Prefer Credit Card benefits include trip interruption and cancellation insurance, purchase protection and an automatic waiver of auto rental collision damage.

The Marriott Bonvoy Business American Express card:

Maximizing Rewards:

The highest reward rate, six points per $1 when you use your Marriott Bonvoy Business American Express card to make hotel reservations or purchases in Marriott stores.

You can also use the card to purchase eligible items at U.S.-based restaurants, U.S. gasoline stations, U.S. shipping services and U.S. wireless phone service providers. All other purchases are eligible for two points each.

After you sign up for your Card, you will earn 75,000 Marriott Bonvoy bonus points. You can make eligible purchases of $3,000 within the first three months. You can also earn $150 in credit on purchases you make with your Card during the initial 3 months.

How much is the Marriott Bonvoy American Express Card charged?

Annual Fee: $125.

No foreign transaction fee.

Cash advance fees: Minimum $5, or 3% of advance.

Late Payment Fee: This fee equals $39 or your minimum payment.

Return payment fee: A $39 fee applies to returned payments.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need the Marriott Bonvoy American Express Card for Business?

If you are:

You will be back at Marriott Bonvoy resorts and hotels often.
You have to be able to afford qualified meals, fuel, shipping, and/or wireless phone services.
Earn 75,000 points when you purchase $3,000 of eligible items with your Card within 3 months.
You can also earn $150 in credit on purchases you make with your Card during the initial 3 months.
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