Marriott Bonvoy Business™ American Express® Card Review
Marriott Bonvoy Business™ American Express® Card
CardRatings Editor's Analysis: Pros & Cons
- For a limited time, earn 100,000 Marriott Bonvoy bonus points after you use your new card to make $5,000 in purchases within the first three months and earn up to $150 in statement credits for eligible purchases made on your card in the first three months (offer ends 5/12/21).
- Purchases at participating Marriott Bonvoy hotels earn users six points, and U.S. restaurants and 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 account anniversary. 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.
Marriott Bonvoy Business™ American Express® Card Essentials
By the strictest definition, the Marriott Bonvoy Business™ American Express® Card is a new challenger on the highly competitive battlefield of rewards card programs. But more accurately, it's a newly branded card (previously known as the Starwood Preferred Guest® Business Credit Card from American Express) birthed through the merging of the Starwood Preferred Guest, Ritz-Carlton Rewards and Marriott Rewards programs into the Marriott Bonvoy program earlier this year. American Express is a CardRatings advertiser.
The annual fee of $125 is not modest, however, the perks and rewards more than make up for the fee for those loyalists of Marriott Bonvoy brands. See Rates and Fees.
With this card you'll receive six points for every dollar spent at participating Marriott Bonvoy hotels worldwide. Plus, you get a generous four points for every dollar spent at U.S. restaurants and U.S. gas stations, and on wireless phone services from U.S. providers and shipping purchases made within the United States, then two points on all other purchases.
As an introductory offer, for a limited time, new cardholders can earn 100,000 bonus points once making $5,000 in qualifying purchases over the first three months of account membership and earn up to $150 in statement credits on eligible purchases made to your new card in the first three months (offer ends 5/12/2021). Cardholders also enjoy complimentary Silver Elite status and can earn Gold Elite status by spending $35,000 on your card in a calendar year. You can learn more about elite status and the numerous benefits of the Marriott Bonvoy rewards program in our Marriott Bonvoy program guide.
As an added perk, you get one free night stay each year after your first year card anniversary. Plus, earn an additional free night award after you spend $60,000 in purchases on your card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
The card has an interest rate of 15.74% - 24.74% Variable APR, depending on credit worthiness. See Rates and Fees.
- Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
- Redeem on travel-including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
What Our Editors Like Most about Marriott Bonvoy Business™ American Express® Card
With the Marriott Bonvoy Business™ American Express® Card it's all about the rewards and perks and the remarkably fast pace you can earn them.
The limited time 100,000-point introductory offer opportunity (after spending $5,000 in three months; offer ends 5/12/21) gets you off to a flying point start, but the Marriott Bonvoy Silver Elite status can keep you building your point total at hyper-speed. For example, when using your Marriott Bonvoy Business™ American Express® Card to pay for a stay at a Marriott Bonvoy property, you can earn up to 10% more thanks to your Marriott Bonvoy Silver status.
And while it's easy to get caught up in the hotel stay rewards, getting four points for every dollar spent at restaurants, gas stations, wireless phone services and shipping purchases within the United States is nothing to scoff at. Especially because there's no limit to the amount of points you can earn.
Plus, points don't expire and there are no blackout dates for redemption. You can redeem your points for gift cards, travel, entertainment packages, donations and more.
Not enough? Consider that each calendar year you can receive credit for 15 nights towards the next level (Gold) of Marriott Bonvoy Elite status. And in case you're wondering, instead of an extra 10% earned on Bonvoy property bookings, Gold status can earn you a solid 25% more.
Potential Downsides of Marriott Bonvoy Business™ American Express® Card
The $125 annual fee is enough that if you don't think you will be using the card frequently enough to take full advantage of the rewards programs, it might not be worth it.
And while the perks and rewards are sensational, one notable omission to the introductory offer is any incentive to transfer balances from other cards. With that said though, it's not often that you'll see a card with both a high welcome bonus plus an introductory 0% APR period or balance transfer offer.
How Marriott Bonvoy Business™ American Express® Card Compares to Other Cash Back Cards
Marriott Bonvoy Business™ American Express® Card vs. The Hilton Honors American Express Business Card
With some slight differences in the details, these two cards are very much alike. They both debuted in 2019 with similar introductory offers. What Marriott Bonvoy Business™ American Express® Card offers to fans of Marriott Bonvoy properties, The Hilton Honors American Express Business Card offers to Hilton devotees.
The Hilton Honors American Express Business Card offers an introductory incentive through which new cardholders can earn 130,000 bonus points if you spend $3,000 over the first three month. 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 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 weekend night reward, earned once spending $15,000 in a calendar year, and then another weekend 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 over 1,300 lounges in over 140 countries.
Finally, the annual fee is slightly lower at $95.Marriott Bonvoy Business™ American Express® Card vs. Ink Business Preferred® Credit Card
Both cards offer attractive introductory bonuses. Ink Business Preferred® Credit Card offers 100,000 bonus points once you spend $15,000 over the first three months you have the card. Meanwhile, the limited time offer of 100,000 points offered by Marriott Bonvoy Business™ American Express® Card comes with a lower spending threshold ($5,000); plus, you have the opportunity to earn up to $150 in statement credits for eligible purchases made on your new card in the first three months (offer ends 5/12/21).
In terms of ongoing rewards, Ink Business Preferred® Credit Card 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. Ink Business Preferred® Credit Card 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 Ink Business Preferred® Credit Card also has an annual fee of $95.
Marriott Bonvoy Business™ American Express® Card vs. Capital One Spark Miles for Business
The first thing to know about Capital One Spark Miles for Business 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.
Capital One Spark Miles for Business does have a lower annual fee of $0 intro for first year; $95 after that and it offers you up to a $100 reimbursement for one Global Entry or TSA Pre✓® application fee.
Capital One Spark Miles for Business offers new cardholders 50,000 bonus miles after you spend $4,500 in the first three months.
The ongoing Capital One Spark Miles for Business 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, gas stations, wireless phone services and 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 Marriott Bonvoy Business™ American Express® Card.
Who Should Get This Card?
If you are a frequent business traveler you should strongly consider adding this card to your wallet. The perks and rewards can very quickly have a meaningful and tangible benefit to your company's travel budget.
If you are a frequent traveler and a big fan of Marriott Bonvoy properties, the Marriott Bonvoy Business American Express Card is nothing short of a "must." Staying at Marriott Bonvoy properties without this card would be a wasted opportunity.
To see the rates and fees for the American Express cards mentioned in this post, please visit the following links; Marriott Bonvoy Business™ American Express® Card: See Rates and Fees; The Hilton Honors American Express Business Card: See Rates and Fees.