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Marriott Bonvoy Business Credit Card

Written by: Lenny Pappano
Marriott Bonvoy Business Apply Now

The Marriott Bonvoy Business American Express Card is Marriott’s sole business option and worthwhile for its welcome bonus. After the first year, limited perks and a fee may make it less valuable.

Marriott Bonvoy Business Apply Now

Marriott Bonvoy Business Credit Card Review

Key Takeaways

The Marriott Bonvoy Business American Express Card is the only business card Marriott offers. If you need a business card or don’t have room for another personal card, it’s worth considering for its welcome offer alone: 3 free nights, each worth up to 50,000 points. However, we’re not confident the annual fee of $125 will be worth it after the first year. The card’s only standout perks are a “free” night capped at 35,000 points — which doesn’t stretch far at Marriott — and complimentary Gold Elite Status, which provides a few minor perks but nothing close to Platinum Elite Status.

Why This Card Could Be Right For You

You immediately receive 3 free nights (up to 50,000 points each) as a sign-up bonus after spending $6,000 in the first 6 months. Beyond that, the benefits aren’t strong, although the $125 annual fee is relatively modest. Because it’s a business card, if you’re up against your 5/24 limit and really want a Marriott co-branded option, this one could be worthwhile for the bonus. Just remember the American Express “once per lifetime” rule, which allows you to earn the welcome bonus only once per card.

Whether you keep this card longer depends on how much you value the annual “free” night (capped at 35,000 points) and the complimentary Gold Elite Status. Beyond those perks, the benefits are fairly weak. They include 15 Elite Night credits toward Platinum Status (50 nights required), spending multipliers (4X points on restaurants, gas stations, and wireless services; 2X points on everything else), a 7% discount on eligible Marriott bookings, and up to 18.5X points on Marriott purchases.

When The Usual Advice Doesn't Apply

Here are some exceptions where the card might not be good for you:

  • The benefits beyond the welcome offer aren’t very strong, and several other Marriott cards offer similar or better perks at a lower annual fee.
  • If you’re seeking higher-status perks and regularly stay at Marriott properties, the Marriott Bonvoy Brilliant Card is likely a better choice.
Marriott Bonvoy

What to Know About Marriott Bonvoy

Their poor points redemption value leaves Bonvoy near the bottom of our rankings.

  • There are multiple cards with great point transfer options. In theory, this is good.
  • Finding a solid value for a Marriott stay is a challenge. A one night stay at desirable destinations can match the number of points from one card bonus.
  • Values can be found, and points don’t expire, so it isn’t a terrible system. It just doesn’t have the usefulness of many of the other hotel systems.

How The Marriott Bonvoy Business Credit Card Fits In The Marriott Bonvoy Ecosystem

The Marriott Bonvoy Business American Express Card is the only co-branded business card offered by the chain. If you’re looking for a business card and/or you’ve hit the 5/24 limit for personal cards, it’s your only Marriott option. Remember, Bonvoy’s 24-month rule allows only one Bonvoy welcome bonus every two years, so choose carefully which Bonvoy card to apply for.

If you can get a personal card instead, there are five options. Two are backed by American Express, and three are backed by Chase. We quickly rule out the Bonvoy Bountiful (Chase) and the Bonvoy Bevy (Amex) because they cost $250 per year and offer an 85,000-point sign-up bonus, yet require $15,000 in annual spending just to earn a “free night.” That’s rarely worthwhile.

The Bonvoy Boundless card has a $95 annual fee and provides 3 free nights (each up to 50,000 points) as a welcome offer, plus a true free night each year worth up to 35,000 points—all at a lower annual fee. While Marriott points aren’t as valuable as those of other chains, 35,000 points might still justify the $95 annual fee if you want to keep this card until you can qualify for another Bonvoy welcome bonus in 24 months. Meanwhile, the Bonvoy Bold card has no annual fee but offers only a 30,000 (current special 60,000)-point welcome bonus and minimal perks.

At the top of the line is the Bonvoy Brilliant, with a $650 annual fee. It comes with complimentary Platinum Elite Status, an annual free night worth up to 85,000 points, and various statement credits and perks that might be worth it if you’re loyal to Marriott and travel frequently. This card also has a 95,000-point sign-up bonus.

Card Information

Bonus Points Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
90,000 $6,000 0.7 ¢ $125 $125
$672
Best Value Differentiating Perks Rules
Marriott stays & transfer top-offs Solid 4x categories, annual free room Amex 3/90 , No CR , No 2nd Biz , Amex 4 Credit , Bonvoy 1/24 , No 5/24 , Amex 1/10 , Amex Popup Jail

Award System

Bank

Reconsideration Phone 800.492.3344

Most Recent Special Offer

125,000 Bonus Points for
$8,000 spend ended Mar 2025

Spend Categories

All Other - »

2X points
1.4¢ Per Dollar Spent

Gas Stations - »

4X points
2.8¢ Per Dollar Spent

Hotels = »

6X points
4.2¢ Per Dollar Spent

Restaurants = »

4X points
2.8¢ Per Dollar Spent

Shipping = »

4X points
2.8¢ Per Dollar Spent

Cell Phone Carriers + »

4X points
2.8¢ Per Dollar Spent

Card Benefits

Free Room Annually »
Your awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This will get you a nice room.
Car Rental Insurance »
Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Hotel Perks »
Included Gold status includes: late checkout and free WiFi.
Extended Warranty »
Get up to 1 additional year on original manufacturer’s warranties of 5 years or less.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Marriott Bonvoy Outside Point System

Transfers Out To
Point Transfer Options
Air Canada Aeroplan

3:1 67% value retained

Point Transfer Options
American Airlines Miles

3:1 67% value retained

Point Transfer Options
Avianca LifeMiles

3:1 62% value retained

Point Transfer Options
British Airway Executive Avios

3:1 52% value retained

Point Transfer Options
Cathay Pacific

3:1 57% value retained

Point Transfer Options
Delta SkyMiles

3:1 57% value retained

Point Transfer Options
Etihad Guest

3:1 57% value retained

Point Transfer Options
Flying Blue and Air France

3:1 62% value retained

Point Transfer Options
Qantas Frequent Flyer

3:1 57% value retained

Point Transfer Options
Qatar Qmiles

3:1 57% value retained

Point Transfer Options
Singapore KrisFlyer

3:1 62% value retained

Point Transfer Options
Southwest Rapid Rewards

3:1 62% value retained

Point Transfer Options
Turkish Airways

3:1 57% value retained

Point Transfer Options
United MileagePlus

3:1.1 68% value retained

Point Transfer Options
Virgin Atlantic Flying Club

3:1 67% value retained

Transfers In From
Point Transfer Options
Amex Member Rewards

1:1 44% value retained

Point Transfer Options
Chase Ultimate Rewards

1:1 44% value retained

Marriott Bonvoy Business Application Rules

You'll be declined if you apply for a third Amex card in 90 days

This business card will not show on your personal credit report, so it won't count against your 5/24 status

You might not be allowed to get a second card for a separate business (EIN)

Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth

You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last

Card approval not subject to 5-personal-cards-in-24-months rule

Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)

After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus

Best for Series

Below is a snapshot of where this card performs best compared to the other cards in our database: