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01 · overview

Marriott Bonvoy Business American Express

125,000 points welcome · 6x on hotels · $125/yr

Marriott Bonvoy Business American Express
Annual fee
$125
Per year
Sign up bonus
125K pts
After $9,000 in 6 mo · ≈ $875
Credits
1 credit
Median FICO
Approved
Median income
Approved
Our take

The Marriott Bonvoy Business American Express is an easy card to justify for any business that stays at Marriott properties even a few nights a year. The annual free night award, worth up to 35,000 points, typically covers a room that costs more than the $125 annual fee on its own, and a second free night unlocks at $60,000 in annual spend. Earning is well matched to business spending, with 6x points at Marriott hotels and 4x on dining, U.S. gas, wireless service, and shipping. Complimentary Gold Elite status, 15 elite night credits, and a 7% discount on standard-rate direct bookings deepen the Marriott relationship further. The tiered welcome offer of up to 125,000 points is substantial, though it takes $9,000 in spend over six months to collect it all.

Welcome bonus
125K pts
After $9,000 in 6 mo · ≈ $875
Earn 75,000 points after $6,000 in purchases, plus an additional 50,000 points after an additional $3,000 in purchases, within the first 6 months
Apply now
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Hotels
Hotels participating in Marriott Bonvoy
6x
Dining
Restaurants worldwide
4x
Gas
U.S. gas stations
4x
Phone Services
Wireless telephone services purchased directly from U.S. providers
4x
Shipping
U.S. shipping providers
4x
Everything Else
2x
Estimated value: 0.7¢/point
Credits & rebates
BenefitValue
7% Room Rate Discount
7% off eligible standard-rate bookings made directly with Marriott as a combined member and cardholder benefit
7%
03 · card details

Card details

Regular APR
19.49%–28.49% variable
Foreign transaction fee
None
04 · approval odds

Approval odds

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