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The Marriott Bonvoy Business™ American Express® Card is one of the most valuable hotel rewards cards on the market. It combines a high welcome bonus with a wide selection of bonus spending categories, benefits and airline transfer partners.
Here, we break down the five most valuable benefits that this card offers so you can decide if the Marriott Bonvoy Business™ American Express® Card is the right card for your wallet.
» Learn more: Travel loyalty program reviews
The Marriott Bonvoy Business™ American Express® Card offers a relatively high welcome bonus: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply.
While the card does have an annual fee of $125, using NerdWallet’s valuation of Bonvoy points at 0.9 cent apiece, the welcome bonus is worth approximately $900 — more than enough to offset the first year’s annual fee.
Free night rewards
The value of many rewards cards usually declines after the first year because you’ve received your one-time welcome bonus but still have to pay an annual fee to keep the card open. However, the Marriott Bonvoy Business™ American Express® Card offers a valuable perk that can make it worth keeping open in the long term.
Every year on the anniversary date of when you opened the card, you will be awarded one free hotel night that has a value of up to 35,000 Bonvoy points. Terms apply.
Using NerdWallet’s valuation of these points, the value of this perk can be worth up to $315, which is more than twice the annual fee. That means that with the use of this one benefit, you can pay for your annual fee before you’ve taken advantage of any of the other perks that the card has to offer.
Almost every travel rewards card offers bonus spending categories, but the Marriott Bonvoy Business™ American Express® Card hits a sweet spot of high bonus rates in easy-to-use categories.
The card offers 4x points per $1 spent at restaurants and gas stations, as well as on cell phone bills and shipping costs in the United States. Additionally, the card offers 6x points per $1 spent at participating Marriott Bonvoy properties. This bonus can be stacked with the 10x points that Marriott Bonvoy awards to guests on any credit card they use. Marriott Bonvoy Business™ American Express® Card holders will then get an additional 10% bonus for being Silver elite members (more on that in a moment). Terms apply.
This means that cardholders can rack up major points with just a few stays. And in case all those bonuses weren’t enough, you also get 2x points per $1 for all other spending. Terms apply.
These bonus categories make it easy to turbo-charge your points earning and get the most value for your dollar every time you use the card.
» Learn more: The 5 best ways to rack up Marriott Bonvoy points
Marriott Bonvoy Business™ American Express® Card holders automatically qualify for Silver status in the Marriott Bonvoy program. This status entitles you to a number of valuable perks including free Wi-Fi, priority late checkout and 10% bonus points on all spending in Marriott Bonvoy hotels. Terms apply.
The card will also credit you with 15 nights toward Gold status, which means you’ll only need to stay in Marriott Bonvoy hotels for an additional 10 nights every year to qualify for Gold status.
Gold members are entitled to valuable benefits such as 25% bonus points on all spending at Marriott Bonvoy hotels, free room upgrades, 2 p.m. checkout times and exclusive member rates.
Fly the friendly skies
Although the Marriott Bonvoy Business™ American Express® Card is a hotel-branded card, that doesn’t mean you can’t take to the friendly skies with your points. The Bonvoy program has a massive selection of over 40 airline transfer partners. Your points will transfer at a 3:1 ratio, and you'll receive a 5,000-point bonus for every 60,000 points you transfer.
AmEx’s extensive transfer partner list includes American Airlines, United, Alaska Airlines, British Airways and Virgin Atlantic, so your points should be able to get you almost anywhere in the world. Terms apply.
The bottom line
If you’re a frequent traveler in search of a versatile business card that offers big rewards for hotel stays, then the Marriott Bonvoy Business™ American Express® Card could be a welcome addition to your wallet.
How to Maximize Your Rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:
Airline miles and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Propel American Express® card
Flat-rate rewards with no annual fee: Bank of America® Travel Rewards credit card
Premium travel rewards: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
Planning a trip? Check out these articles for more inspiration and advice: Find the best hotel credit card for you Which Marriott Bonvoy credit card should I choose? Marriott rewards program: The complete guide