Marriott Bonvoy Business® American Express® Card
American Express
Welcome Offer
The link opens on the Platinum Card first. Use the Amex page to view currently eligible personal and business cards. Not every Amex product is necessarily included, and offers and eligibility may vary. The referrer may receive a reward if you are approved; this does not influence OpenCard's evaluation.
Full referral termsIs the Marriott Bonvoy Business American Express Card right for you?
The Marriott Bonvoy Business American Express is a $125-a-year business Marriott Bonvoy card from American Express. Its strongest everyday earning is 6x on marriott hotels, with 2x on most other purchases. It needs to earn at least $125 more a year than a no-fee alternative to justify the fee.
Who it's for
- ✓ Business owners who want business spending on its own card
- ✓ People who spend steadily on marriott hotels, where it earns 6x
- ✓ Regular Marriott Bonvoy customers who will redeem with that program
Who should skip it
- — People with no loyalty to Marriott Bonvoy
- — Applicants without a business or business income
- — Anyone who won't earn at least $125 a year more than a no-fee card
First-year value estimate
Year two, without the welcome bonus: about $109 before credits ($234 in rewards minus the $125 fee).
Assumptions
- $3,000 a year in marriott hotels (6x) and $9,000 on everything else (2x) — $12,000 total, about $1,000 a month.
- Rewards valued at 0.65¢ per Marriott Bonvoy (OpenCard valuation; cash-out value can be lower).
- Welcome bonus: 75,000 Marriott Bonvoy at 0.65¢ each (OpenCard valuation) ≈ $875.
- Annual fee of $125 in year one and every year after.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.
How the fee is offset by credits
Even at face value the listed credits ($0 a year) cover 0% of the $125 fee, so rewards and benefits have to make up the rest. The card also lists a free night award, valued at $0 here because their worth depends on the hotel you book.
How it compares
Rules and gotchas
- The welcome bonus requires $6,000 in 6 months — roughly $1,000 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Marriott Bonvoy Business American Express have an annual fee?
- Yes — $125 a year, according to the issuer information in our record.
- What does the Marriott Bonvoy Business American Express earn?
- 6x on marriott hotels, 4x on restaurants worldwide, 4x on U.S. Gas Stations, 4x on U.S. Shipping, and 2x on other purchases.
- Is the Marriott Bonvoy Business American Express worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in marriott hotels), the first year comes out around $984 before credits, including a welcome bonus valued at $875. Year two drops to about $109 before credits.
- What credit do I need for the Marriott Bonvoy Business American Express?
- Our record lists "Good" credit as the typical target for the Marriott Bonvoy Business American Express. As a business card, the application also asks about the business. American Express makes the final decision based on its own criteria.
Earning Rates
Benefits & Credits
1 Free Night Award (35,000 Marriott Bonvoy points cap) each cardmember anniversary, automatic — no spend requirement.
/yearHotel Status
Other Benefits
Insurance
Sources
- https://thepointsguy.com/credit-cards/marriott-bonvoy-business-american-express-card/
- https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
- https://www.marriott.com/credit-cards/marriott-bonvoy-business-american-express-card.mi
Last Updated: Oct 3, 2026