Marriott Bonvoy Business Card is offering 125,000 points after spending $8000 in 6 months with a $125 annual fee.. That's up 35,000 points over their standard offer of 90,000 points after spending $6000 in 6 months. Offer expires 03/12/2025
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.
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-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 | No CR , No 2nd Biz , Bonvoy 1/24 , Amex 3/90 , No 5/24 , Amex 1/10 |
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.
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.
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.
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.
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.
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
Air Canada Aeroplan
3:1 67% value retained
American Airlines Miles
3:1 67% value retained
Avianca LifeMiles
3:1 67% value retained
British Airway Executive Avios
3:1 48% value retained
Cathay Pacific
3:1 57% value retained
Delta SkyMiles
3:1 57% value retained
Etihad Guest
3:1 57% value retained
Flying Blue and Air France
3:1 57% value retained
Qantas Frequent Flyer
3:1 57% value retained
Qatar Qmiles
3:1 57% value retained
Singapore KrisFlyer
3:1 62% value retained
Southwest Rapid Rewards
3:1 62% value retained
Turkish Airways
3:1 57% value retained
United MileagePlus
3:1.1 68% value retained
Virgin Atlantic Flying Club
3:1 67% value retained
Transfers In From
Amex Member Rewards
1:1 50% value retained
Chase Ultimate Rewards
1:1 44% value retained
Marriott Bonvoy Business Application Rules
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)
You're allowed only 1 personal and 1 business Bonvoy Card at the same time, and only 1 bonus in the last 24 months
You'll be declined if you apply for a fourth Amex card in 90 days
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)
Ranking of Cards Offering Marriott Bonvoy
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
4th
Honorable Mention
Rank
6th
Honorable Mention
Breaking Points
February 10, 2025
Marriott Bonvoy Business Card
May 27, 2024
Mini Points - June 2024
- Citi Strata Premier Mastercard - 75,000 bonus points, spend $4000 in 3 months, $95/annual fee.
- Marriott Bonvoy Business American Express card - 5 Free Nights, spend $8000 in 6 months, $125/annual fee.
- Hilton Honors Surpass American Express card - 130,000 points + 1 Free Night, spend $3000 in 6 months, $150/annual fee.
- Hilton Honors Business American Express card - 175,000 points, spend $8000 in 6 months, $195/annual fee.
- Hilton Honors American Express Card - 70,000 points, spend $2000 in 6 months, No annual fee.
- Hilton Honors Aspire American Express Card - 175,000 points, spend $6000 in 6 months, $550/annual fee.
August 21, 2023
Mini Points - September 2023
- Marriott Bonvoy Boundless Chase Card has a sign up offer with 3 Free Nights after spending $3000 in 3 months - $95/annual fee.
- Barclays Miles & More Lufthansa card has 100,000 miles sign up bonus right now after spending $3000 in 3 months + lounge vouchers - $89/annual fee.
- Marriott Bonvoy Business American Express card has a 125,000 points sign up bonus if you spend $8000 in 6 months - $125/annual fee.
- World of Hyatt Business Chase Card offering a 75,000 bonus points sign up offer after spending $17,000 in the first 6 months - $199/annual fee.
March 6, 2023
Mini Points - March 2023
- JetBlue Plus Card - Limited time offer - Barclay Bank - earn 60,000 points after spending $1000 in 3 months, $99/annual fee.
- Venture One Card - Limited time offer - Capital One Bank - earn 40,000 miles after spending $1000 in 3 months, $0/annual fee.
- Alaska Airlines Business Card - Limited time offer - Bank of America - earn 70,000 miles after spending $4000 in 3 months, $70/annual fee.
- Marriott Bonvoy Business Card - Limited time offer - American Express - earn 125,000 points after spending $5000 in 3 months, $125/annual fee.
- Chase Freedom / Chase Freedom Flex cardholders Q2 2023 - Activation is now open - Amazon & Lowes.
- Discover It - cash back Categories are Live - April - June Restaurants & Wholesale Clubs.