Marriott Bonvoy Business AMEX | Review & Point Calculator

Marriott Bonvoy Business AMEX Card

Card Review & Marriott Point Calculator
6x Marriott Hotels
4x Restaurants
4x Gas Station
4x Wireless Phone Services
4x Shipping
2x Everything Else
Silver Elite Status
Gold Elite Status w/ Spend
Annual Free Night
Second Annual Free Night
15 Elite Night Credits
Complimentary Premium WiFi

Get a review of the Marriott Bonvoy Business AMEX and calculate how many Marriott Points you can earn based on your spend. Compare results to top cards.


The Marriott Bonvoy Business Card is a great choice for any business that mainly deals with Marriott hotels or for anyone that wants to earn additional Marriott Bonvoy Points on categories outside of Marriott. This business card also offers Marriott Bonvoy Status, Elite nights towards obtaining a higher status, and an annual free night award.

Bonus Categories

The Marriott Bonvoy Business Card features five bonus categories which are Marriott properties, U.S. restaurants, U.S. wireless phone services, U.S. gas stations, and U.S. shipping. There's no limit to the amount of bonus Marriott Bonvoy Points you can earn spending in these categories and no limit to the amount of Marriott Bonvoy Points you can earn with the card overall.

6x Marriott

The Marriott Bonvoy Business AMEX Card will earn you 6 Marriott Bonvoy Points per $1 spent at Marriott. This includes paying for your room at a Marriott brand hotel as well as various charges at the hotel that made categorize as a Marriott purchase.

The majority of Marriott's credit cards earn at the 6x rate. This is the most Bonvoy Points you can earn spending at Marriott hotels.

4x U.S. Restaurants

You will earn 4 Marriott Bonvoy Points per $1 spent on restaurant purchases in the U.S. with the Marriott Bonvoy Business AMEX Card. These purchases include fast food and fine dining establishments located in the United States.

This is the highest amount of Marriott Bonvoy Points you can earn with available Marriott credit cards. You can earn the same 4x points using the AMEX Gold Card by transferring Membership Rewards Points to your Marriott Bonvoy account. The AMEX Gold earns 4x on restaurants worldwide, so it is the better choice for international travel if you don't have the Chase Marriott Bonvoy Premier Plus Business Card which is unavailable to new applicants.

amex gold dining
The AMEX Gold also offers $120 in annual dining credits at select restaurants.

4x U.S. Wireless Phone Services

U.S. wireless phone services paid for with the Marriott Bonvoy Business AMEX Card will earn you 4 Marriott Bonvoy Points per $1 spent. AMEX counts telephone service providers as purchases made with, but not limited, AT&T, Sprint, T-Mobile, and Verizon. Purchases from authorized resellers, bundled packages (such as AT&T U-Verse), purchases from Superstores (Walmart, Target), and purchases from Electronic Stores (Best Buy, Staples) will not be eligible for this bonus category. VoIP services is also not included.

If you're looking to earn a tad bit more, the Chase Ink Business Cash Card earns 5% back on phone services which can be converted to Ultimate Rewards Points (if you have an Ultimate Rewards Points credit card) and then converted to Marriott Bonvoy Point.

4x U.S. Gas Stations

Purchases made at U.S. gas stations using the Marriott Bonvoy Business AMEX Card will earn you 4 points per $1 spent. AMEX defines gas stations as merchants that is in the primary business of selling gasoline to consumers. Examples include Exxon, Shell, and Gulf. Gas stations that are part of supermarkets or warehouse clubs will not earn bonus points which are places such as Giant Eagle's GetGo (this sometimes triggers as grocery with AMEX) and Walmart Gas Stations.

This is the most Marriott Bonvoy Points you can earn on gas station spend between Marriott and transfer partner credit cards. You can earn the same return with the American Express Business Gold, but the card features a cap on it's two 4x categories.

4x U.S. Shipping

You'll earn 4 Marriott Bonvoy Points per $1 spent on the Marriott Bonvoy Business AMEX Card when you use it to pay for shipping services in the United States. Earning on this category is only for U.S. courier, postal, and freight shipping services which includes, but is not limited to, businesses such as FedEx, UPS, and the United State Postal Service (USPS). This will not apply to shipping costs for online purchases.

This is the most Marriott Bonvoy Points you can earn on U.S. shipping spend. You can earn an equal amount of points with the American Express Business Gold, but it has a cap on the category.

2x Non-Category

All non-category spending on the Marriott Bonvoy Business AMEX Card will earn you 2 Marriott Bonvoy Points per $1 spent. This is the same earning rate featured on most of Marriott credit cards and is the highest amount of Marriott Bonvoy Points you can earn on non-category spend. If you're looking to maximize your earnings with Marriott, running spend across this card is the way to go. You can also earn the same return using the Blue Business Plus Card which earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the calendar year.

Perks and Benefits

The Marriott Bonvoy Business AMEX Card comes with a nice bit of benefits. This includes up to two annual free nights, elite night credits, and complimentary elite status.

Annual Free Award Night

Every year on your Marriott Bonvoy Business AMEX Card anniversary, you'll receive a certificate for a free night award. The free night award is good for a free one-night stay at any Marriott hotel that costs up to 35,000 Marriott Bonvoy Points. That can get you in as high as a category 5 hotel under both the standard and off-peak rates. Free nights can be stacked with the free nights earned on other Marriott credit cards.

Second Annual Free Award Night

You can earn a second free night award when you spend $60,000 on the Marriott Bonvoy Business AMEX Card during the calendar year. The free night award is good for a free one-night stay at any Marriott hotel that costs up to 35,000 Marriott Bonvoy Points just the one offered on the card annually.

15 Elite Nights

You'll receive 15 elite night credits every calendar year that will apply towards your elite status with Marriott as a Marriott Bonvoy Business AMEX Card member. You can earn 15 elite nights with a business Marriott Card (such as this one) and 15 elite nights with a personal Marriott Card for a total of 30 elite night credits which would give you Marriott Gold Elite Status.

convert united to marriott
You can transfer United Miles to Marriott Bonvoy Points and vice-versa.

Marriott Elite Status

Thanks to the 15 elite night credits offered on the Marriott Bonvoy Business AMEX Card, you'll receive complimentary Marriott Silver Elite Status. Silver comes with a 10% Marriott Bonvoy Points bonus, priority late checkout, and a few other small perks.

Spending $30,000 on the Marriott Bonvoy Business Card will grant Marriott Gold Elite Status. Gold status bumps up the point bonus to 25% along with providing perks such as a 25% point bonus, room upgrades, 2pm late checkout, and more.

Complimentary WiFi

You'll receive complimentary premium in-room WiFi as a Marriott Bonvoy Business AMEX Card member.

Standard AMEX Benefits

The Marriott Bonvoy Business AMEX Card offers a bunch of useful benefits that comes standard with AMEX credit cards. Those benefits include:

Sign Up Bonus

The Marriott Bonvoy Business AMEX Card standard sign up bonus is 75,000 bonus points after $3,000 in spend within 3 months. The cash value of this sign up bonus will vary, but you should be able to easily squeeze at least $525 out of it at 0.7 cents per Marriott Bonvoy Point.

In terms of free nights, this can earn you as many as 15 nights during off-peak season at a Category 1 hotel and at least 1 night at the highest Category 8 hotel during off-peak season. Of course, if you book 4 consecutive award nights, you'll get the 5th night free so you can earn even more nights.

Marriott Free Night Redemption Chart.

Marriott Bonvoy Points can also be transferred to over 40+ frequent flyer programs in which most of the airline partners transfer at a rate of 3-to-1 giving you 25,000 airline miles. You'll also receive a bonus 15,000 Bonvoy Points for every 60,000 Bonvoy Points you transfer which will give you an additional 5,000 airline miles.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Marriott Bonvoy Business Card is $125. If you're able to get good value out of the free night and use the bonus categories on this card, it can easily be worth the fee. The free night at a 35,000 point per night hotel puts you in the Category 4-5 range and features hotels that are usually more than $125 per night.

Authorized User Fee

The Marriott Bonvoy Business Card does not have an authorized user fee. You can add as many additional users / employees as you want and they will be able to assist in building Marriott Bonvoy Points spending in the bonus categories the Marriott Bonvoy Business Card has.

Foreign Transaction Fee

The Marriott Bonvoy Business Card does not charge a foreign transaction fee. Any spending done outside of the U.S. will usually earn the non-bonus category rate of 2x Marriott Bonvoy Points per $1 spent since all the categories are specific to U.S. transactions.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Loading...
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Loading...
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Loading...
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
0
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
$0
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.

Recommended Reads

Page Last Updated: 2020-05-05
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

About This SiteAbout The Staff


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2020 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.