Editorial Review

Marriott Bonvoy Business Review: Fully Loaded With Options

Earn and redeem rewards at thousands of properties in the newly enlarged Marriott hotel group, with a free night every year and automatic elite status.

Claire Tsosie, Paul SoucyApril 25, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Our Take

4.3

NerdWallet rating 

The Bottom Line: The free night's stay every year can pay for the fee on this card all by itself. The wide array of redemption options makes it the rare hotel credit card that doesn't feel limiting.

Marriott Bonvoy Business™ American Express® Card

on American Express's website

Rates & Fees

on American Express's website

Rates & Fees
Annual Fee

$125

Regular APR

17.99% - 26.99% Variable APR

Intro APR

N/A

recommended credit score

Pros & Cons

Pros
  • High rewards rate

  • No foreign transaction fee

Cons
  • Has annual fee

Alternate Pick: cash back rewards

Capital One® Spark® Cash for Business

What's more flexible than cash?

If flexibility is your top priority in a rewards credit card, consider a cash-back option. This card gives you an unlimited 2% cash back on all purchases, and you can redeem your cash back in any amount. There's a great sign-up bonus, too. The annual fee is $0 for the first year, then $95.

Read our review

Compare to Other Cards

Annual Fee

$125

Annual Fee

$0 for the first year, then $95

Annual Fee

$95

Regular APR

17.99% - 26.99% Variable APR

Rates & Fees

Regular APR

19.24% Variable APR

Regular APR

18.24% - 23.24% Variable APR

Intro APR

N/A

Intro APR

N/A

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Full Review

Marriott's acquisition of Starwood Hotels & Resorts kicked off a long process of integrating the two hotel companies' loyalty rewards programs — a process that led to a combined program in 2018 and then, in 2019, a new name (Marriott Bonvoy) and a new suite of credit cards. Among them: the Marriott Bonvoy Business™ American Express® Card.

This card is essentially the successor to the Starwood Preferred Guest® Business Credit Card from American Express. It offers largely the same benefits and perks that the SPG card had following the merger.

Longtime SPG loyalists had worried that the merger would mean a loss in value for their program's famously high-value points. And that did in fact happen — but SPG cardholders now earn more points per dollar, which reduced the impact.

If your business has you staying at properties in the Marriott family regularly, the Marriott Bonvoy Business™ American Express® Card should be high on your list.

Marriott Bonvoy Business™ American Express® Card: Basics

  • Card type: Hotel.

  • Annual fee: $125.

  • Bonus offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

  • Rewards: 

    • 6 points per dollar of eligible purchases on the card at participating Marriott Bonvoy hotels.

    • 4 points per dollar at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.

    • 2 points per dollar on all other eligible purchases.

    • Points are worth 0.8 cents apiece, on average, according to Nerdwallet valuations.

  • Interest rate: The ongoing APR is 17.99% - 26.99% Variable APR.

  • Foreign transaction fees: None.

  • Noteworthy perks: 

    • Free night award each year on your account anniversary.

    • Additional free night award when you spend at least $60,000 in a calendar year.

    • Automatic Silver Elite status and accelerated path to Gold.

Points on this card are generally less valuable when redeemed for higher-end hotels and more valuable when redeemed for more affordable hotels. Regardless of how you redeem, the free night award on this card still gives it a solid value, and its offerings are in line with other co-branded hotel cards.

Why you might want the Marriott Bonvoy Business™ American Express® Card

extremely VERSATILE points

The Marriott-Starwood merger gives members of the combined loyalty program access to a gargantuan portfolio of properties, starting for at as little as 6,000 points a night. You can also transfer your points to one of several airline partners at a 3:1 ratio (3 hotel points for 1 airline mile) or take advantage of other redemption options.

Generous rewards

The Marriott Bonvoy Business™ American Express® Card comes with a fantastic bonus offer for new cardholders: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. That's enough to squeeze several nights out of the hotel network's most affordable rooms.

The ongoing rewards are also quite generous, particularly for spending on eligible purchases at participating Marriott Bonvoy hotels. You'll get points:

  • From the card: 6 points per dollar spent on these qualifying purchases.

  • From the loyalty program: 5 to 10 points per dollar spent at eligible properties, as well as a 10% bonus from your Silver Elite status (which comes with the card).

Taken together, that could mean an effective rewards rate of as much as 17% on eligible hotel purchases.

The card also throws in 4 points per dollar on a variety of common business expenses, a nice rewards accelerator that you don't get with the consumer version of this card.

HIGH-VALUE FREE NIGHT BENEFIT

The annual free night benefit, good for eligible stays that would otherwise cost up to 35,000 points, can easily make up for the annual fee of $125.

Say you used that benefit for a room that would have otherwise cost $200. Just by doing that, you’d already come out well ahead of the annual fee  — even before doing any spending with the card. This benefit is awarded every year after your card account anniversary.

Big spenders can earn an additional free night by putting at least $60,000 on their card in a calendar year. These awards, too, are good for eligible stays of up to 35,000 points' worth of value.

SILVER ELITE STATUS

Among the benefits of the automatic Silver Elite status you earn with this card:

  • Priority late checkout.

  • 10% bonus on Marriott Bonvoy points.

  • Free Wi-Fi.

  • Compensation for a hotel stay if Marriott can’t honor your reservation.

  • Dedicated phone lines for reservations.

Big spenders can qualify for Gold Elite status, which gets you even more perks, by making more than $35,000 in qualifying purchases in a calendar year.

Alternatives for more flexibility

Few if any co-branded hotel credit cards offer more redemption options than the ones in the Marriott portfolio. But if you’re looking for another level of flexibility in travel rewards, consider a general travel credit card. And a cash-back card offers the most flexibility of all, since you can use rewards for anything — travel expenses included.

General travel credit cards for business

  • The Capital One® Spark® Miles for Business earns an unlimited 2 miles per dollar on all purchases. Miles can be redeemed for statement credit against any travel purchase — hotel stays, airline flights and more. Book however you want, then use miles to pay for it, with no blackout dates or restrictions. Sign-up bonus: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. Annual fee: $0 for the first year, then $95.

  • The Ink Business Preferred℠ Credit Card earns 3 points per dollar on the first $150,000 spent each year on travel and select business categories, and 1 point per dollar on other purchases. Points are worth 1.25 cents apiece when redeemed for travel through Chase. There's a giant sign-up bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®. Annual fee: $95.

Cash back cards for business

  • The Capital One® Spark® Cash for Business earns an unlimited 2% cash back on all purchases, and you can redeem your cash back in any amount. There's a solid sign-up bonus: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. The annual fee is $0 for the first year, then $95.

  • The SimplyCash® Plus Business Credit Card from American Express offers great rewards, with a degree of customization, for an annual fee of $0. You get 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores; 3% cash back on the first $50,000 spent in the category of your choice from a list of eight; and 1% cash back on other purchases. Terms apply. There's no bonus for new cardholders, but you do get an introductory APR of 0% on Purchases for 15 months, and then the ongoing APR of 14.49% - 21.49% Variable APR.

Is the Marriott Bonvoy Business™ American Express® Card right for you?

The Marriott Bonvoy Business™ American Express® Card is a rare bird — a co-branded hotel credit card that doesn't make you feel like you're locked in to a single hotel chain. The combined Marriott-Starwood portfolio includes 29 brands, from budget inns to lavish resorts, so if your business has you checking into hotels regularly, it's among the best cards you can carry.

To view rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this page.