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The Marriott Bonvoy Business® American Express® Card is a small-business-oriented credit card targeting those who frequent Marriott properties, though it's a worthwhile offering for most travelers. Although it charges an annual fee, it's not overly expensive at just $125 per year (Rates & Fees).
Along with benefits like an annual free-night award and elite-night credits each card anniversary, the card currently features a welcome offer of 3 Free Night Awards (worth up to 50,000 points each) that could make now a great time to apply.
Let's take a look.
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
- Rates & Fees
- 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x Marriott Bonvoy® points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x Marriott Bonvoy® points per dollar on all other eligible purchases
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Marriott Bonvoy Business Card Highlights
Business travelers who often stay at a Marriott Bonvoy® property will want to grab this card, mainly because it:
- Earns 6x Marriott Bonvoy® points on hotel stays
- Offers a 7% discount on eligible Marriott bookings
- Grants 15 elite night credits per year
- Earns an annual free night certificate valued at 35,000 points
Marriott Bonvoy Business Card Welcome Offer
The usual bonus for the Marriott Bonvoy Business Card sits at roughly 75,000 points or three free nights after meeting minimum spending requirements. American Express is currently offering 3 Free Night Awards (worth up to 50,000 points each) after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Need some ideas on how to redeem this lucrative welcome offer? Here are 15 luxury properties worth your next redemption.
Everyday Earning Potential
Even once you've earned your welcome bonus, the card still has some staying power as an everyday card. While it doesn't beat out the best cards for everyday spending, it does offer pretty solid ongoing earnings:
- 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x Marriott Bonvoy® points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x Marriott Bonvoy® points per dollar on all other eligible purchases
Marriott Bonvoy Business Card Feature Benefits
The Marriott Bonvoy Business Card offers a few standout features that set it apart.
Stackable Marriott Elite Night Credits
To many cardholders, perhaps the most important benefit is that the 15 elite night credits offered by the card each year stack with elite night credits offered by personal Marriott Bonvoy credit cards. Why is this a big deal?
Those with the Marriott Bonvoy Boundless® Credit Card, for example, could stack elite night credits between the two cards to get a 30 elite night credit boost each year. That's leaves you just 20 nights shy of Platinum Elite status — a sweet spot in Marriott's elite status program.
Or, by pairing the Marriott Bonvoy Business Card with the Marriott Bonvoy Brilliant® American Express® Card, travelers can start each year with 40 elite night credits. That leaves you just ten nights shy of earning an Annual Choice Benefit and more than halfway to Titanium Elite status — which confers perks like United Silver elite status.
Although Marriott Bonvoy offers multiple personal credit cards, you can't stack elite night credits between personal cards. This feature is limited to holding the Marriott Bonvoy Business Card in addition to a personal card.
Free Night Award each anniversary
Another standout feature of the Marriott Bonvoy Business Card is the free night award you'll receive on each account anniversary. This award is valid for stays of up to 35,000 points, though you can top it off with up to 15,000 additional points if needed.
Big spenders also can receive a second free night award after spending $60,000 in purchases in a calendar year. That award also is worth up to 35,000 points.
The free night award easily can be redeemed for more than $125 in value — thus offsetting the annual fee with this benefit alone.
Discounts and elite status
Finally, the card provides up to a 7% discount on eligible bookings when paying cash and grants you automatic Gold Elite status as long as you're a cardholder. Benefits of Marriott Bonvoy Gold status include late checkout, complimentary room upgrades, and additional bonus points.
Who’s Eligible for the Marriott Bonvoy Business Card?
You'll need to have a business to be eligible for this card, though that moniker is easier to earn than you may expect. For example, selling items on eBay or renting out an apartment to tenants will both qualify you as a small business.
In terms of earning the welcome bonus, the restrictions are quite stiff. You'll need to examine which Marriott and SPG credit cards you have in your wallet now, have had in the past, and which bonuses you've earned (and when!) to understand your eligibility.
The rules will apply based on cards you've had in the last 30 days, cards you've opened in the last 90 days, and those where you've earned a bonus in the past 24 months.
Related: Understanding Marriott Bonvoy Co-Branded Credit Card Application Rules
Those Marriott-specific rules are on top of the standard American Express application rules:
- You can hold a maximum of five Amex credit cards at a time.
- Amex typically doesn't approve the same person for more than two cards in a 90-day period.
- You can earn the welcome bonus on a card once per lifetime.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Our Take
Although needing to spend $6,000 to earn a single welcome bonus is a big request, you do have six months to make it happen. As it stands, the Marriott Bonvoy Business Card is a great card to keep in your wallet; the benefits it offers cardholders more than outweigh the $125 annual fee.
If you've had your eye on this card, applying during the welcome offer period could land you up to 150,000 Marriott Bonvoy® Points!
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
- Rates & Fees
- 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x Marriott Bonvoy® points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x Marriott Bonvoy® points per dollar on all other eligible purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Marriott Bonvoy Business® American Express® Card (Rates & Fees)
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