Table of Contents
The Marriott Bonvoy Business™ American Express® Card was launched in 2018, and is targeted at small business owners who want to build their own credit score. Despite its name, this card does not have higher rewards or bonuses that would make it a good fit for larger companies or those with excellent credit scores.
The “best marriott business credit card” is a credit card that offers many benefits. The card has a low annual fee and comes with Marriott Bonvoy Gold status.
The Marriott Bonvoy BusinessTM American Express® Card is for business travelers who like to stay at Marriott Bonvoy hotels, which include all former Starwood Preferred Guest and Ritz-Carlton locations. This credit card for small businesses gives premium points on qualified Marriott BonvoyTM hotel purchases, as well as travel incentives like free hotel nights.
American Express® Marriott Bonvoy BusinessTM Card
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Those who choose to stay at Marriott Bonvoy hotels are rewarded.
Apply Now
on American Express® Marriott Bonvoy BusinessTM Card’s secure website.
Compare with
APR on a regular basis
Variable (15.99 percent – 24.99 percent)
Credit is required.
Good, Excellent
- Earn 75,000 extra Marriott Bonvoy points after spending $3,000 on qualifying purchases with your new Card during the first three months of membership.
- At hotels that participate in the Marriott BonvoyTM program, you may earn 6x points.
- 4x points in U.S. restaurants, petrol stations, cellular phone services bought directly from U.S. service providers, and shipping transactions made in the United States. All other qualified purchases will earn you 2x points.
- Every year on the anniversary of your Card account, you’ll get a free night. Plus, after spending $60K on your Card in a calendar year, you’ll get an extra Free Night Award. At hotels participating in the Marriott BonvoyTM program, awards may be utilized for one night (redemption level at or under 35,000 Marriott Bonvoy points). There are resort fees at certain hotels.
- With your Card, you’ll get free Marriott Bonvoy Silver Elite status. Plus, after making $35,000 in qualifying purchases on your Card in a calendar year, you’ll be upgraded to Gold Elite status.
- Terms and conditions apply.
Pros
- You’ll get Marriott Bonvoy Silver Elite membership for free.
- Earn 6 points for every $1 spent at Marriott Bonvoy hotels.
Cons
- An annual charge of $125 is required.
- When points are redeemed for less costly hotels, they are worth less.
- Baggage insurance protects you if you lose your checked or carry-on luggage when traveling directly from a common carrier or terminal. The maximum amount of coverage is $1,250.
- Purchase Insurance: For the first 120 days after purchase, bought objects are protected against theft or damage. The maximum amount of coverage is $10,000 per claim and $50,000 per year.
- Protection under the Extended Warranty: Provides up to an extra two years of warranty coverage on warranties of five years or less from U.S. manufacturers.
- Silver Elite membership is free, and you’ll have access to unique privileges like 25% extra points on purchases at selected hotels, priority late checkout, and an elite reservation line.
APR on a regular basis
Variable (15.99 percent – 24.99 percent)
Credit is required.
Good, Excellent
- Earn 75,000 extra Marriott Bonvoy points after spending $3,000 on qualifying purchases with your new Card during the first three months of membership.
- At hotels that participate in the Marriott BonvoyTM program, you may earn 6x points.
- 4x points in U.S. restaurants, petrol stations, cellular phone services bought directly from U.S. service providers, and shipping transactions made in the United States. All other qualified purchases will earn you 2x points.
- Every year on the anniversary of your Card account, you’ll get a free night. Plus, after spending $60K on your Card in a calendar year, you’ll get an extra Free Night Award. At hotels participating in the Marriott BonvoyTM program, awards may be utilized for one night (redemption level at or under 35,000 Marriott Bonvoy points). There are resort fees at certain hotels.
- With your Card, you’ll get free Marriott Bonvoy Silver Elite status. Plus, after making $35,000 in qualifying purchases on your Card in a calendar year, you’ll be upgraded to Gold Elite status.
- Terms and conditions apply.
Here’s the link to the full editorial review.
Pros
- You’ll get Marriott Bonvoy Silver Elite membership for free.
- Earn 6 points for every $1 spent at Marriott Bonvoy hotels.
Cons
- An annual charge of $125 is required.
- When points are redeemed for less costly hotels, they are worth less.
- Baggage insurance protects you if you lose your checked or carry-on luggage when traveling directly from a common carrier or terminal. The maximum amount of coverage is $1,250.
- Purchase Insurance: For the first 120 days after purchase, bought objects are protected against theft or damage. The maximum amount of coverage is $10,000 per claim and $50,000 per year.
- Protection under the Extended Warranty: Provides up to an extra two years of warranty coverage on warranties of five years or less from U.S. manufacturers.
- Silver Elite membership is free, and you’ll have access to unique privileges like 25% extra points on purchases at selected hotels, priority late checkout, and an elite reservation line.
Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.
How Do We Assess Business Travel Rewards Credit Cards?
We examine continuing benefits, initial incentives, and other perks when assessing travel rewards business credit cards like the Marriott Bonvoy BusinessTM American Express® Card. We also consider the yearly charge, the interest-free period, and the continued annual percentage rates (APRs).
Who Should Get the Marriott Bonvoy BusinessTM American Express® Card?
- The Marriott Bonvoy BusinessTM American Express® Card is ideal for company owners who often stay at Marriott hotels and want to earn Marriott Bonvoy benefits. At participating hotels, which include all former Starwood Preferred Guest and Ritz-Carlton locations, you may earn 6x points.
- Owners of companies that travel frequently: Travel awards may be redeemed for free hotel stays, flights, car rentals, and hotel and air packages with the Marriott Bonvoy BusinessTM American Express® Card. It also doesn’t charge international transaction fees for transactions made outside the US.
American Express® Card Fees for Marriott Bonvoy BusinessTM
- Annual percentage rate (APR) during the first year: None
- Ongoing Annual Percentage Rate (APR): 15.99 percent to 24.99 percent variable (adjusts with prime rate)
- Fee: $125 per year
- There is a cost for transferring funds from one account to another.
- Fees for international transactions: none
- Cash advance fee: $5 or 3% of the amount borrowed, whichever is higher; cash advance APR is 25.49 percent.
Rewards from the Marriott Bonvoy BusinessTM American Express® Card
- Get a bonus of $75,000 Spend $3,000 on qualifying purchases during the first three months of creating an account to earn Marriott Bonvoy points.
- At selected Marriott Bonvoy hotels, every dollar spent on qualifying items earns you 6 points.
- In some areas, such as restaurants, petrol stations, wireless telephone services, and shipping, you may earn 4x points for every dollar spent.
- All other purchases will earn you 2x points.
- Every year following your card’s anniversary, you’ll be given a free night.
- After spending $60,000 on your card in a calendar year, you’ll get another free night.
You may use your points to get free hotel stays at any of the 6,700 Marriott Bonvoy properties. Some hotels and resorts, however, may impose required service charges. You may also transfer your points to hundreds of travel partners and use them to book flights or car rentals. For 3 points per mile, you may transfer your points to other frequent flyer clubs. You may also transfer your points to another Marriot Bonvoy member.
Additional Benefits of the Marriott Bonvoy BusinessTM American Express® Card
Silver Elite Status is provided free of charge.
You’ll be upgraded to Marriott Bonvoy Silver Elite level for free. Silver Elite members of Marriott Bonvoy enjoy special hotel advantages such as a 25% bonus point on purchases at selected hotels, priority late checkout, and access to a dedicated elite reservation line.
Internet Access at a Premium
The Marriott BonvoyTM Business American Express® Card offers complimentary in-room, Internet Access at a Premium while staying at hotels participating in the Marriott BonvoyTM program. Internet Access at a Premium is limited to one room per eligible card member per stay, regardless of how many rooms have been reserved.
Assistance on the Road
Cardholders can access the 24-hour Assistance on the Road hotline, which can send out a tow truck operator or a locksmith in case of an emergency. Services like towing, winching, jump starts, flat tire change, delivery of gas up to two gallons, and lockout service are available for an additional fee.
Purchase Insurance
Damaged or stolen items that were purchased with your Marriott card are covered with Purchase Insurance up to $1,000 per incident, with a maximum of $50,000 per year. Items are eligible if they were damaged or stolen within 120 days of the purchase date―90 days for New York residents. Items not included are tickets, consumables, motorized vehicles, permanent fixtures, items for resale, rented items, and antiques.
Protection under the Extended Warranty
For goods with original manufacturer’s warranties of up to five years, the Marriott Bonvoy BusinessTM American Express® Card offers an extended warranty. If you paid for the item totally using your American Express business credit card, you’ll get an extra two years of warranty. Products with absolute satisfaction guarantees, perishable objects, motorized vehicles, damaged items, and permanent fixtures are not covered.
Insurance for Travel Accidents
You’ll receive Insurance for Travel Accidents up to $100,000 when you use your card to pay for the entire trip fare. The insurance provides coverage if you die or lose a limb, sight, speech, or hearing within 100 days after the date of the injury. Circumstances that aren’t covered include self-inflicted injuries, certain ailments, physical or mental infirmity, and injuries received during or as a result of commuting.
Plan for Baggage Insurance
For the loss of any luggage in direct transit from a common carrier or terminal, American Express offers coverage ranging from $250 to $1,250. Carry-on luggage, checked bags, and high-risk goods are all covered by this baggage insurance. Cash, credit cards, tickets, animals, live plants, prosthesis, and anything sent as freight are all excluded from coverage.
Car Rental Loss & Damage Insurance
Car rental coverage is available with the Marriott Bonvoy BusinessTM American Express® Card up to $50,000 per car rental agreement. The automobile rental cost must have been charged fully on your American Express credit card to be eligible. This insurance is only valid for the first 30 days of a rental agreement. Manufacturing faults, deliberate damage by an authorized driver, wear and tear, theft or damage to tires, and damage caused by freezing are all excluded from the coverage.
The Global Assist Hotline is available 24 hours a day, 7 days a
When you travel more than 100 miles from home, the Marriott Bonvoy BusinessTM American Express® Card offers a 24-hour worldwide help hotline. This is nothing more than a concierge service that connects you to medical, legal, financial, and emergency services. However, any extra costs imposed by third-party service providers are the responsibility of cardholders.
Pros & Cons Explained
Marriott Bonvoy BusinessTM American Express® Card Advantages
- Free Marriott Bonvoy Silver Elite status: You’ll get free Marriott Bonvoy Silver Elite status, which gives you priority late checkout when it’s available and 10% extra points on stays.
- No international transaction fees: If you travel often, American Express won’t charge you a foreign transaction fee on purchases made outside of the United States.
- Premium rewards points: You can Earn 6 points for every $1 spent at Marriott Bonvoy hotels.; 4x points per dollar on expenses at restaurants, gas stations, shipping, and wireless phone services; and 2x points per dollar on all other purchases. These rewards are higher compared to most other points-based rewards business credit cards.
The Marriott Bonvoy BusinessTM American Express® Card has certain drawbacks.
- There is no initial zero annual cost with the Marriott Bonvoy BusinessTM American Express® Card; instead, you will be charged a $125 annual fee straight away.
- Because this card doesn’t provide a 0% introductory APR, you won’t be able to take advantage of interest-free financing—a disadvantage if you need to make a major purchase with your card.
- Balance transfers are not permitted: The Marriott Bonvoy BusinessTM American Express® Card does not permit balance transfers. This card may not be ideal for you if you need to transfer a debt from another credit card.
Alternatives to the Marriott Bonvoy BusinessTM American Express® Card
Business Preferred® by Chase Ink
The Business Preferred® by Chase Ink is an excellent alternative for business owners who don’t want to pay a high annual fee. It charges a $95 annual fee and allows balance transfers. This card is also best if you have significant travel expenses but don’t need travel perks like airport lounge access or free expedited airport security screening.
Credit Card Ink Business Preferred®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting the most out of your travel rewards while paying a smaller annual charge
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Chase’s Protected Website
Compare with
APR on a regular basis
Variable between 15.99 and 20.99 percent
- Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
- When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
- Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Possibility of increasing the value of award points
- Provides mobile phone insurance as well as trip cancellation insurance.
Cons
- Doesn’t provide a term of interest-free credit.
- An yearly fee is charged.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
- If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.
APR on a regular basis
Variable between 15.99 and 20.99 percent
Credit is required.
Good, Excellent
- Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
- When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
- Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Possibility of increasing the value of award points
- Provides mobile phone insurance as well as trip cancellation insurance.
Cons
- Doesn’t provide a term of interest-free credit.
- An yearly fee is charged.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
- If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.
American Express Hilton Honors Card
The American Express Hilton Honors Card is a great option if you prefer to stay at Hilton hotels and resorts. It offers 12x points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio, 6x points per dollar on select business and travel purchases, and 3x points on all other purchases. Additionally, it only charges a $95 annual fee.
The American Express Hilton Honors Business Card
Getting the most out of your Hilton purchases
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on The American Express Hilton Honors Business Card’s secure website.
Compare with
APR on a regular basis
Variable (15.99 percent – 24.99 percent)
Credit is required.
Good, Excellent
- Offer: Earn 130,000 Hilton Honors Bonus Points with a Free Night Reward after spending $3,000 on the Hilton Honors Business Card during the first three months of card membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
- With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
- After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
- After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
- Terms and conditions apply.
Pros
- The yearly charge is low.
- There are no costs for international transactions.
- Hilton Gold Status is complimentary.
Cons
- Other than hotel stays, there are few choices for redemption.
- Balance transfers are not permitted.
- There is no introductory APR of 0%.
- Free Hilton Honors Gold Status: You’ll gain free Hilton Honors Gold Status, which comes with perks like complimentary breakfast and rollover nights.
- Free weekend night reward: After spending $15,000 in a year, you’ll get a free weekend night reward; after spending $60,000 in a year, you’ll receive a second weekend night reward.
- Purchase Insurance: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Protection under the Extended Warranty: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
APR on a regular basis
Variable (15.99 percent – 24.99 percent)
Credit is required.
Good, Excellent
- Offer: Earn 130,000 Hilton Honors Bonus Points with a Free Night Reward after spending $3,000 on the Hilton Honors Business Card during the first three months of card membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
- With your Hilton Honors Business Card, you’ll get free Hilton Honors Gold Status.
- After spending $15,000 on your Card in a calendar year, you’ll get a Weekend Night Reward from Hilton Honors.
- After spending an additional $45,000 on your Card in the same calendar year, you’ll get another Weekend Night Reward from Hilton Honors.
- Terms and conditions apply.
Pros
- The yearly charge is low.
- There are no costs for international transactions.
- Hilton Gold Status is complimentary.
Cons
- Other than hotel stays, there are few choices for redemption.
- Balance transfers are not permitted.
- There is no introductory APR of 0%.
- Free Hilton Honors Gold Status: You’ll gain free Hilton Honors Gold Status, which comes with perks like complimentary breakfast and rollover nights.
- Free weekend night reward: After spending $15,000 in a year, you’ll get a free weekend night reward; after spending $60,000 in a year, you’ll receive a second weekend night reward.
- Purchase Insurance: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Protection under the Extended Warranty: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Capital One® Spark® Business Miles
The Capital One® Spark® Business Miles is a good alternative if you want to earn fixed-rate rewards on all purchases. It charges a $95 annual fee, which is waived for the first year. It doesn’t charge fees on balance transfers and foreign transactions.
Capital One® Spark® Business Miles
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Every swipe earns you 2x miles.
Apply Now
on Capital One® Spark® Business Miles’s secure website.
Compare with
APR on a regular basis
20% (20.99%) (Variable)
Annual Fee
For the first year, there is no charge; after that, it is $95 each year.
Credit is required.
Excellent, Good
- After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
- 2 kilometers for every $1 invested
- Employee cards may be distributed for free.
Pros
- There are no costs for international transactions.
- Credit for TSA Pre® or Global Entry application fees
Cons
- After the first year, you’ll have to pay an annual charge.
- Doesn’t provide interest-free credit.
- Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
- Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
- On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
- Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.
APR on a regular basis
20% (20.99%) (Variable)
Annual Fee
For the first year, there is no charge; after that, it is $95 each year.
Credit is required.
Excellent, Good
- After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
- 2 kilometers for every $1 invested
- Employee cards may be distributed for free.
Pros
- There are no costs for international transactions.
- Credit for TSA Pre® or Global Entry application fees
Cons
- After the first year, you’ll have to pay an annual charge.
- Doesn’t provide interest-free credit.
- Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
- Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
- On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
- Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.
Conclusion
The Marriott Bonvoy BusinessTM American Express® Card is ideal for regular travelers who want to stay at Marriott properties. If this card isn’t perfect for your company, visit our Credit Card Marketplace or go through our list of the top small business credit cards to discover one that is.
The “amex bonvoy business benefits” is a card that allows users to earn points on every purchase, and redeem them for miles. It also comes with an annual fee of $75.
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