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Marriott Bonvoy is a popular loyalty program for business travelers. Their large hotel portfolio also makes it easy to find a hotel in most cities. Is the Marriott Bonvoy Business™ American Express® Card good for your business trips? Let’s take a closer look to see what you can expect from the Marriott Bonvoy Business American Express Card.

Marriott Bonvoy Business Card
Get an annual free night award with the Marriott Bonvoy Business American Express Card. Credit: Pexels

Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business™ American Express® Card has some exciting benefits including a free anniversary night. And you can get special Bonvoy member perks and airline transfer bonuses. Here are a few other benefits to be aware of.

Welcome Offer

New cardmembers can earn a welcome offer of 75,000 bonus Bonvoy points. You will need to make $3,000 in card purchases during the first 3 months.

Free nights start at 7,500 points for a category 1 property making the bonus worth up to 10 free nights. If you find an off-peak Category 1 property for 5,000 points, this bonus can go a little further.

If you currently own a personal Marriot Bonvoy credit card, you might qualify for this bonus. However, you must not have earned a Marriott welcome bonus in the last 24 months.

Purchase Rewards

Your Marriott Bonvoy Business™ American Express® Card purchases earn up to 6x Marriott Bonvoy points:

  • 6x points on eligible purchases at participating Marriott Bonvoy hotels
  • 4x points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping
  • 2x points on all other eligible purchases

You will earn unlimited Bonvoy points for each purchase category. As is common with other Amex credit cards, select bonus purchases must occur within the United States to earn 4 Bonvoy points per $1.

All points deposit directly into your linked Marriott Bonvoy loyalty account. As Marriott Bonvoy points expire within 24 months of account inactivity, card purchases renew your current points balance.

Related: Best American Express Business Credit Cards

Redeeming Bonvoy Points

Your points are most valuable for Marriott Bonvoy award nights. Fortunately, there are over 7,000 properties in the hotel portfolio. Marriott uses peak and off-peak award pricing.

But, you can also find rooms for the standard rate — which is the average of these two other rates. At the standard rate, free nights cost between 7,500 and 85,000 points per night.

Air+Car Transfer Partners

Your next best redemption option is transferring your points to airline partners. There are over 40 participating airlines, but the transfer ratio for most is 3:1. At this rate, 3,000 Bonvoy points are worth 1,000 airline miles.

This isn’t the best transfer ratio for a credit card. When you transfer at least 60,000 points at once, you get 5,000 additional airline miles. This transfer bonus helps make your transferred balance more valuable.

Marriott Bonvoy Business American Express Card Benefits

There are several Marriott Bonvoy benefits you get for having the Marriott Bonvoy Business™ American Express® Card. Let’s take a look at what you can get.

Up to 2 Free Nights

You get one free night award each card anniversary. As the annual fee is $125 (See Rates & Fees), this benefit can easily offset or be worth more than the fee. The free night is valid at category 1-5 properties costing 35,000 points or less per night. Some resorts and properties still charge service fees on these award nights.

Making $60,000 in annual card purchases gives you a second free night award each year. This award night is redeemable for any property costing 35,000 points or less.

Some people only keep hotel credit cards for the free night award. They also make a periodic purchase to keep their account in good standing and prevent their points balance from expiring.

Related: Best Hotel Credit Card Offers

Silver Elite Status

You get instant Marriott Bonvoy Silver Elite loyalty status upon approval.

Some of the Silver Elite status member benefits include:

  • 10% bonus points on stays
  • Priority late checkout (when available)
  • Reservation guarantee or Marriott pays for your alternate lodging
  • Dedicated reservation line

You get an automatic upgrade through the next calendar year to Gole Elite status with at least $60,000 in card purchases.

15 Elite Night Credits

Having the Marriott Bonvoy Business Card deposits 15 Elite Night credits each year. This credit gives you a head start on qualifying for Gold Elite status. Staying 10 more nights give you the 25 necessary nights to bump up to Gold Elite status.

Premium On-Property Internet Access

Your Silver Elite status already gives you free on-property internet. Now, you can have premium in-room internet access as long as you own the Marriott Bonvoy Business™ American Express® Card. This perk makes it possible to have better connection fees or avoid more incidental fees.

Travel Insurance Benefits

American Express provides some travel protection benefits.

One benefit is baggage insurance. Carry-on bags get up to $2,500 coverage and checked bags get $500. New York state resident benefits cap at $10,000 for all persons per trip.

The second benefit is secondary rental car collision and theft protection. This benefit can cover remaining costs after your primary car insurance benefits pay their share of the at-fault claim.

Marriott Bonvoy Business American Express Card Business Benefits

So what business benefits does American Express offer you?

Here are most of the standard Amex business card benefits:

  • Free basic Bill.com vendor pay for one user
  • Manage receipts and track spending with American Express Business App
  • Ability to designate an account manager
  • Free employee cards with spending limits, alerts, and spending reports

You might also be able to save cash at qualifying merchants with the Amex Offers program. You can activate spending offers to get cash savings on one-time purchases.

Related: Best Amex Credit Cards

Annual Fee

The annual fee is $125 per year for the primary credit card. Each additional employee card is free. Also, this card has no foreign transaction fee (See Rates & Fees).

This annual fee is competitive with most hotel credit cards offering a free anniversary night. However, it’s more expensive than most business credit cards. If you can use the benefits, this card can be worth the annual fee.

Learn more: Best Small Business Credit Cards

Positives and Negatives

Here’s a quick look at the good and bad of the Marriott Bonvoy Business™ American Express® Card.

Pros

  • One free award night each year
  • Instant Silver Elite loyalty status
  • 15 Elite Night credits each year
  • No foreign transaction fee

Cons

  • Most airline partners have a 3:1 airline transfer
  • $125 annual fee

Who Should Get the Marriott Bonvoy Business Card?

Two different types of business travelers should consider getting the Marriott Bonvoy Business™ American Express® Card.

The first (and most obvious) group are loyal Marriott customers. If you prefer earning hotel points on business purchases, you can book award nights more often. Automatic Silver Elite status and 15 Elite Night credits also mean you can jump loyalty tiers sooner.

A second group to consider this card those who want the free award night. This free night should be worth more than the $125 annual fee. Making periodic purchases also prevents your Bonvoy points from expiring if you don’t stay at Marriott properties often.

This card isn’t a good option if you prefer to redeem credit points for award flights or cash rewards. Also, this card won’t add value to your wallet if you don’t stay at Marriott Bonvoy properties on a regular basis.

Summary of the Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business™ American Express® Card is a good option for regular Marriott customers. The free annual award night, Silver Elite loyalty status, and a reasonable $125 annual fee make this card attractive. However, other cards can be better if you don’t want to redeem points for Marriott award nights.

FAQs

Is the Marriott Bonvoy business card metal?

The current Marriott Bonvoy Business™ American Express® Card isn’t made of metal.

Previous versions of this card were metal. However, there are a few business metal credit card options still available.

How long do Bonvoy points last?

Marriott Bonvoy points expire after 24 months of account inactivity. Earning or redeeming points renews your points balance for another 24 months. Card purchases from a personal or business credit card also extend the life of your entire point balance.

If your Marriott Bonvoy credit card closes or is no longer in good standing, your points can expire. That is unless you earn or redeem points with qualified activity in your Bonvoy account.

What do you need to get approved for a Marriott credit card?

The Marriott Bonvoy Business™ American Express® Card requires you to be at least 18 years old and earn business income. You can apply with a Social Security Number or an Employer Identification Number.

Having a credit score of at least 670 also means you’re more likely to get instant approval if you qualify.

It’s a good idea to apply for a Marriott credit card when you qualify for the welcome bonus. You most likely qualify if this is your first Marriott card. Previous owners of any Marriott credit card may not qualify if they received a bonus in the last 24 months.

Related Articles:

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

Josh Patoka
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