Earn 6x at Marriott + 4x on business categories

Marriott Bonvoy Business® American Express® Card Calculator: Points Estimator for Hotel & Business Spend

Fees

Earning Rates

Earn 6X points at hotels participating in the Marriott Bonvoy® program.
Earn 4X points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
Earn 2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases.

Main Benefits

Annual free night award worth up to 35K points
15 elite nights towards status
Complimentary Marriott Gold Elite status

Our Take

If you're business deals with Marriott often, you cannot go wrong with the Marriott Bonvoy Business AMEX Card. You can easily offset the annual fee with the free night award and enjoy solid earning rates and complimentary elite status.

Last Updated: 04-15-2025

Marriott Business AMEX Points Calculator

Use this calculator to estimate how many Marriott Bonvoy points your business can earn with the Marriott Bonvoy Business AMEX Card. Include spending in categories like dining, gas, and wireless services, and factor in the Free Night Award and elite credits to evaluate full card value.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Marriott Bonvoy Business® American Express® Card Details

Earning Rates

The Marriott Bonvoy Business AMEX earns Marriott Bonvoy points at the following rates:

6 points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy program.
4 points per dollar spent at restaurants worldwide.
4 points per dollar spent at U.S. gas stations.
4 points per dollar spent on wireless telephone services purchased directly from U.S. service providers.
4 points per dollar spent on U.S. purchases for shipping.
2 points per dollar spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Marriott Bonvoy Business AMEX Card:

Annual Free Night Award: Get one Free Night Award every year, after your Card renewal month and earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be redeemed for one night at a redemption level at or under 35,000 Marriott Bonvoy points.
Room Rate Discount: Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott under the AMEX Business Card Rate
Elite Night Credits: Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status
Marriott Gold Elite Status: Receive complimentary Gold Elite status with your card, which includes priority late checkout when available and 25% bonus points on stays.
Travel & Purchase Coverage^*: Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Purchase Protection, and Extended Warranty

^*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Marriott Bonvoy Business AMEX has an annual fee of $125.

Like most of Marriott's cards, the annual free night award will easily cover the cost of annual fee since you can get solid value out of them. If your business stays at Marriott's often, the 7% discount will also add value.

Authorized User Fee

There is no fee to add authorized users to the Marriott Bonvoy Business AMEX Card. Adding employees can help earn points for your business faster.

Foreign Transaction Fee

The Marriott Bonvoy Business AMEX Card has a 0% foreign transaction fee. This makes it a solid choice for earning Marriott Bonvoy points on purchases outside of the United States.