Marriott Bonvoy Business® American Express® Card Review
Marriott Bonvoy Business® American Express® Card
CardRatings Editor's Analysis: Pros & Cons
- Earn 75,000 Marriott Bonvoy bonus points after you spend $3,000 on purchases within the first three months.
- Purchases at participating Marriott Bonvoy hotels earn users six points, and worldwide restaurant and U.S. gas station purchases, as well as wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping earn four points.
- Receive one free night award every year after your card renewal month. Plus, earn an additional free night award after you spend $60,000 in purchases on your card in a calendar year.
- As a brand-specific card you'll reap the most benefits only if you are truly loyal to the Marriott brand. If you don't typically stick to just one brand when you travel, you might be better off with a more general travel rewards card.
Love to travel, both domestically and internationally? The CardName may be your dream card. It’s designed for the traveler who is dedicated to Marriott International's portfolio of properties. Not only can cardholders rack up serious rewards when spending at any of the 7,000 hotels located in 131 countries, they can enjoy other special perks that make globetrotting a pleasure. It’s not right for everyone, though, so to know if this card is best for you, read on. American Express is a CardRatings advertiser.
First stop is the welcome offer. New cardholders can earn 75,000 Marriott Bonvoy bonus points after spending $3,000 on eligible purchases within the first three months of opening an account.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Once you start to use the card, the benefits and rewards just keep coming. Here is what’s in store for you, beginning with the points you can accumulate:
- 6x points - When you make purchases at participating Marriott Bonvoy hotels and resorts, you will earn six points for every dollar spent at that hotel or resort. That includes everything from the accommodations to eligible hotel food and beverage charges.
- 4x points - When you use your card at restaurants worldwide and U.S. gas stations, you will earn four points per dollar. You will also earn four points when charging expenses at U.S. wireless telephone service providers and on U.S. purchases for shipping.
- 2x points - All other eligible purchases will score you two points for each dollar you charge with the card.
Points earned can be redeemed for stays at participating Marriott properties as well as the company’s affiliated brands. The hotels and resorts range from luxury to economy, such as the Ritz-Carlton, St. Regis Hotels & Resorts, Sheraton, Four Points, Residence Inn, and the Westin. There are eight award tiers, each divided into peak and off-peak prices, so depending on where you stay and when you go, the rooms can be booked for anywhere between 5,000 points on up to 100,000 per night.
If you would rather book flights with your points, you can also transfer them to the program’s vast network of airline partners.
In addition to the points you earn, the CardName is equipped with a number of key perks. Some of the most notable include:
- Elite status - This card comes with complimentary Marriott Bonvoy Gold Elite status, which gives 25% more points on stays, late check out, free Wi-Fi, enhanced room upgrades and more.
- Free hotel accommodations - You will receive an award for a free night stay every year after your card renewal month. You’ll get another free night after charging $60,000 in the calendar year, and while that may sound like a lot to spend, as a business owner with considerable expenses, hitting that threshold may be easy. You would meet it if you were to charge at least $5,000 every month, or pay for a few large expenses throughout the year.
- Hotel discount - Enjoy a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy participating properties. (Terms and conditions apply)
- No foreign transaction fees - There’s no need to spend more than you have to when traveling outside the U.S. You can use this card internationally without being charged foreign transaction fees, which are usually 1% to 3% of the amount you spend on foreign transactions.
It's hard to find many faults with this card, though there are a few issues to be aware of before applying:
- Annual fee - If you prefer a card without an annual fee this won't meet your expectations since it does come with an annual fee of AnnualFees. If you don’t meet the minimum spend required to earn the welcome bonus or use the card to earn rewards, it probably won’t be worth your while.
- Brand specific - This card is specific to the Marriott brand of hotels and resorts. If you need maximum flexibility when traveling, this card may be too restrictive.
- High credit scores required - Not everybody will meet the criteria for this card, as it requires good to excellent credit scores for approval.
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:
|Current Scores||Past Scores|
|Overall Score||74.2||Did not survey|
|Rewards Program Satisfaction||7.3||n/a|
|Likelihood of Continuing to Use||7.7||n/a|
|Recommend to a Friend/Colleague||7.1||n/a|
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.
CardName vs. CardName
With some slight differences in the details, these two cards are very much alike. What CardName offers to fans of Marriott Bonvoy properties, CardName offers to Hilton devotees.
CardName offers a welcome bonus opportunity through which new cardholders can earn 130,000 bonus points by spending $3,000 in the first three months. You can earn 12 points per dollar spent at Hilton properties, six points on select business and travel purchases and three points per dollar on all other eligible purchases.
It should be noted, however, that Hilton's points are somewhat inflated and don't have the "per-point" redemption value as the Marriott Bonvoy program and others like it. There are a few other added perks though such as a free night reward, earned once spending $15,000 in a calendar year, and then another free night reward after spending an additional $45,000 in the same calendar year. This card also offers 10 free airport lounge visits each year once you enroll in the complimentary Priority Pass Select membership, which offers access to lounges in over 140 countries.
Finally, the annual fee is slightly lower at AnnualFees.CardName vs. CardName
Both cards offer attractive introductory bonus opportunities. CardName offers 100,000 bonus points once you spend $15,000 over the first three months you have the card, as compared to the CardName, which features a welcome offer of 75,000 Marriott Bonvoy bonus points after you spend $3,000 on eligible purchases in the first three months.
In terms of ongoing rewards, CardName offers three points for each dollar spent (up to $150,000) on travel and select business categories and one point per dollar on other purchases. This is significantly lower than the six points per dollar (spent at Marriott Bonvoy properties) and four points per dollar (spent at eligible restaurants, gas stations, wireless phone services and shipping purchases), however, the categories aren't so restrictive. CardName also doesn't have the benefit of affiliating with a particular family of hotel properties to provide an added rewards boost, but this could be considered a perk if you're aren't loyal to a specific brand.
The CardName also has an annual fee of AnnualFees.
CardName vs. CardName
The first thing to know about CardName is that the name is somewhat of a misnomer when it comes to its rewards program. Though you accumulate "miles" they are the equivalent of "points" and can also be redeemed for hotel stays as well.
CardName does have a lower annual fee of AnnualFees and it offers you up to a $100 reimbursement for one Global Entry or TSA PreCheck application fee.
CardName offers new cardholders 50,000 bonus miles after you spend $4,500 in the first three months.
The ongoing CardName rewards program is very simple — it gives two miles for every $1 spent on all purchases and five miles per $1 spent on car rentals and hotels through the Capital One portal. Marriott Bonvoy offers six points per dollar (spent at Marriott Bonvoy properties) and four points per dollar (spent at restaurants worldwide and U.S. gas stations, and U.S. wireless phone services and U.S. shipping purchases), as well as two points all on all other purchases. So if you're at least a little bit loyal to the Marriott brand, you could reap much higher rewards with the CardName.
The CardName is a great match if you travel extensively and are loyal to the Marriott line of properties. You will get the most out of the rewards by booking your accommodations at the chain, and as long as you meet the requirements to earn welcome offer, you are likely to save with that as well.
Survey Methodology: CardRatings commissioned Op4G in September and October 2022 to conduct surveys among 1,554 cardholders nationwide. CardRatings website analytics from Jan. 1, 2022-Aug. 31, 2022 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey (2022); "Past Scores" reflect scores from the 2021 survey.
Marriott Bonvoy Business® American Express® Card Compared to Other Reward Cards
Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
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