Marriott Bonvoy Business™ American Express® Card
Fees & APRs
Fees and APRs will vary, always be sure to check with the card issuer.
Dive into the geeky details and see how you reap the benefits.
- Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.
- 6x points at participating Marriott Bonvoy hotels.
- 4x points at U.S. restaurants, 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 account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
- Terms apply.
Read through our extensive research on the Marriott Bonvoy Business™ American Express® Card and see if its the best credit card for you.
The Marriott Bonvoy Business Amex Card’s ongoing rewards on purchases are very good, too. You get 2 - 6 points per $1, with Marriott purchases and common business expenses earning the highest yield. Cardholders also enjoy complimentary Marriott Bonvoy Platinum Elite status for one year.
What the Marriott Business Credit Card does not do well, however, is financing. The card doesn’t offer any low introductory APRs, and its regular APR could be 15.74% to 24.74% (V), depending on each applicant’s creditworthiness. You should therefore plan to pay your bill in full every month if you get this card. Below, you can find a summary of all the most important information you’ll need to decide whether or not to apply.
Marriott Business Credit Card Review Highlights:
- Big initial bonus. The Marriott Bonvoy Business American Express Card gives you 100,000 points for spending $5,000 within 3 months of account opening. That is worth roughly $1,000 in hotel reservations, according to WalletHub’s calculations. The market average cash back is $198.78. You can also receive up to $150 back in statement credits for eligible purchases for advertising in select media in the U.S. during the first 6 months.
- Good ongoing rewards. The Marriott Bonvoy Business Card offers 6 points per $1 spent with Marriott-owned hotels; 4 points per $1 spent on purchases from U.S. restaurants, U.S. gas stations, U.S. wireless providers, and U.S. shipping; and 2 points per $1 spent on everything else. Points are worth $0.01 apiece on average, according to WalletHub research. That amounts to 2% - 6% “cash” back, which dwarfs the 1.07% back that you’d earn on all purchases with the average cash rewards card.
- $125 annual fee. The fact that you’ll be paying nearly seven times the market average with the Marriott Business Credit Card, means you must make sure to spend enough to get your money’s worth.
- Nice anniversary gift. After each account anniversary, cardholders receive a free night award, good for a reservation valued at 35,000 Bonvoy points or fewer. The free night certificate will be automatically deposited into your account within 8-12 weeks after your account anniversary. It is valid for one year.
- Complimentary Platinum Elite status. Simply being a cardholder gets you elevated status in the Marriott Bonvoy rewards program. With Platinum Elite status, you’ll enjoy perks like 50% more points on Marriott reservations, room upgrade, welcome gift choice, hotel lounge access, priority late checkout, no blackout dates, a dedicated phone line for reservations and much more. Ordinarily, you’d need to stay 50 or more nights at Marriott to get Platinum Elite status.
- No foreign fee. Without a foreign-transaction fee to worry about, the Marriott Business Card will save you 1.46% on purchases processed abroad relative to the average credit card. But that won’t do you any good if a merchant doesn’t accept Amex. And Amex isn’t nearly as widely accepted abroad as Mastercard and Visa.
- Above-average, risky APR. The Bonvoy Business Card doesn’t offer 0% intro rates, and its regular APR skews higher than the market averages for people with good and excellent credit, respectively, according to WalletHub’s latest Credit Card Landscape Report. Aside from the high costs, carrying a balance from month to month with a business credit card is a bad idea, as issuers can increase the interest rate on a business-card balance whenever they want.
- Good personal credit is a must. Business credit card issuers base approval decisions primarily on applicants’ personal credit standing. So make sure to check your latest credit score for free on WalletHub to see if you’re likely to qualify.
Spend some time reviewing the last details on the Marriott Bonvoy Business™ American Express® Card.
- Max Late Fee $39
- Max Overlimitfee None
- Max Penalty Apr 29.24% (V)
- Grace Period 25 days
- Online Response Yes
- Cash Advanceapr 25.24% (V)
- Cash Advancefee 3% (min $5)
- Foreigntransaction Fee 0%
- Smart Chip Yes, chip-and-PIN