Marriott Bonvoy Business American Express Card overview
The Marriott Bonvoy Business® American Express® Card is a solid small-business card for Marriott Bonvoy fans. It comes with useful perks such as an annual free night at hotels (up to 35,000 points) and the ability to expedite your Marriott elite status by offering 15 elite night credits every year. Card Rating*: ⭐⭐⭐½
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
This Marriott Bonvoy Business Card comes with most of the same features and benefits as the Marriott Bonvoy consumer cards, but it happens to include generous bonus reward categories that are well suited to small-business owners.
Sign up for our daily newsletter
With a reasonable annual fee of $125 (see rates and fees), this card also comes with plenty of extra benefits that make this a solid hotel business card option. And it was recently refreshed with even more perks, without any change to the annual fee.
Currently, there’s a welcome offer of 100,000 Marriott bonus points after you use your new card to make $4,000 in eligible purchases within the first three months of card membership — worth $840, according to TPG’s valuations. This offer ends Nov. 2, 2022, so you’ll want to act fast.
Here’s everything you need to know about the only Marriott business credit card still open to new applicants.
Who is this card for?
This card is ideal for business owners who are loyal to the Marriott Bonvoy program. Remember that a business of virtually any size can qualify for small-business credit cards. You can use your Social Security number on your application if you haven’t obtained an Employer Identification Number (EIN). Plus, it’s good for those with side hustles such as freelancing or running an eBay store.
This card would also complement an airline card or one that earns transferable rewards that can be transferred to airline miles. It even could make sense to hold the consumer version of the Marriott Bonvoy cards from American Express, since the elite night credits can be stacked together. Anyone who has a Marriott Bonvoy small-business credit card and a Marriott Bonvoy consumer credit card is eligible to receive a maximum of 40 elite night credits per year.
Welcome offer: worth $840
You can currently earn 100,000 bonus points after you spend $4,000 in eligible purchases in the first three months of card membership. We value Marriott points at 0.84 cents each, making this full offer worth $840. This offer ends Nov. 2, 2022.
This represents a solid increase over the normal bonus on the card, so if you’ve been eyeing it for a while, now might be a time to put in an application.
Main benefits and perks
One of the primary reasons to consider this card is for all of the extra benefits. First, it now offers you automatic Marriott Gold Elite status, which includes 25% bonus points on paid stays, late checkout, premium internet, a welcome gift of points on each stay and room upgrades (based on availability at check-in).
You also receive 15 nights credits toward the next level of elite status (which can be stacked with a Marriott Bonvoy consumer card) and a free-night award each card anniversary year. The free night can be spent at properties at or under 35,000 points per night. You can even earn a second free-night award (at or under 35,000 points per night) after you spend $60,000 in a calendar year.
Just note that Marriott did remove published award charts in March 2022, so pricing for free nights can vary. However, there are still some ways to get solid value — and some higher-end properties that were previously out of reach with these certificates may now be available.
Plus, you can also now enjoy an automatic discount of 7% on standard room rates when you search for the “Amex Biz Card Member Rate” on Marriott’s website and then book using your card. However, the 7% discount may appear to be more rewarding on the surface than in reality.
How to earn points
This card offers 6 points per dollar spent at hotels participating in the Marriott Bonvoy program. You also receive 4 points per dollar spent at restaurants worldwide and at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on purchases made from merchants in the U.S. for shipping. You earn 2 points per dollar on all other eligible purchases.
Gold members will also earn a total of 18.5 points per dollar spent, and if you qualify for Platinum status you will earn 21 points. Finally, top-tier Titanium and Ambassador elites will earn a total of 23.5 points per dollar spent, which equates to a phenomenal 18.8% return.
How to redeem points
In March 2022, the Marriott Bonvoy program switched from its award charts with set redemption rates to flexible point redemption — in other words, a dynamic pricing model. Marriott claimed that the new redemption model would not be a drastic change, as hotels will generally retain current peak and off-peak pricing for the majority of the year. And fortunately, TPG’s initial tests found that largely to be the case.
Marriott is not the first hotel chain to ditch its award chart for dynamic pricing, as both Hilton Honors and IHG Rewards have already done so within the past few years. Marriott’s senior vice president of global loyalty, David Flueck, stated the changes were “to make sure that our members have more flexibility and it’s…
Read More: Marriott Bonvoy Business Amex card review: 100,000 bonus points and a $125 annual fee