Marriott Bonvoy Business AMEX - Point Calculator & Benefits

Marriott Bonvoy Points Calculator
Calculate total Marriott Bonvoy Points based on spend, the cash value of points, and point transfers to partners for the Marriott Business AMEX.
Advertiser Disclosure
Last Updated 2021-12-27

The Marriott Bonvoy Business™ American Express® Card is a great choice for any business that commonly deals with Marriott hotels. It's also a great card for anyone looking to earn additional points on category spending outside of Marriott and for anyone looking for bonus elite nights towards status.

Overall, the Marriott Bonvoy Business AMEX is a great card to have that can easily be worth the annual fee thanks to the annual free night the card offers.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg. Value
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
Marriott Bonvoy Business™ American Express® Card
Marriott Bonvoy Business American Express Card
Intro Bonus
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Rewards Rate
6X
Earn 6x points at participating Marriott Bonvoy hotels.
4X
Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X
Earn 2x points on all other eligible purchases.
Main Card Highlights
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms Apply.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%

Marriott Business AMEX Bonus Categories

The Marriott Business AMEX Card features the following bonus categories and earning rates:

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 Business AMEX Card earns 6 Marriott Bonvoy Points per $1 spent on Marriott purchases. This applies to eligible purchase for hotel stays participating in the Marriott Bonvoy program and making on-property/site purchases that are categorized as being Marriott (such as a Marriott owned coffee shop or general store).

4X U.S. Restaurant

The Marriott Business AMEX Card earns 4 Marriott Bonvoy Points per $1 spent on U.S. restaurant purchases.

4X U.S. Wireless Phone Providers

The Marriott Business AMEX Card earns 4 Marriott Bonvoy Points per $1 spent on U.S. wireless phone providers. This includes 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 are also not eligible for this bonus category.

4X U.S. Gas Station

The Marriott Business AMEX Card earns 4 Marriott Bonvoy Points per $1 spent on U.S. gas station purchases.

4X U.S. Shipping

The Marriott Business AMEX Card earns 4 Marriott Bonvoy Points per $1 spent on U.S. shipping purchases.

2X Everything Else

All other purchases made to the Marriott Business AMEX Card will earn 2 Marriott Bonvoy Points per $1 spent.

Marriott Business AMEX Benefits

The Marriott Business AMEX Card features the following card benefits:

35,000-Point Free Night Award

Every year, around the card anniversary date, you'll receive a free night award that's good for any hotel that costs 35,000 points or less at the time of booking.

You can earn a second 35,000-Point Free Night Award after spending $60,000 on the Marriott Business AMEX Card during the calendar year.

Free nights can be stacked with free nights earned with other personal and business Marriott credit cards.

15 Elite Nights Annually

As a Marriott Bonvoy Card holder, you'll receive 15 elite nights towards top-tier elite status with Marriott. These nights are generally deposited into your account shortly after receiving the card and every January thereafter.

These elite night credits can be stacked with elite nights offered on personal/consumer Marriott credit cards for a total of 30 elite nights. These elite nights cannot be stacked with elite nights earned with other Marriott business credit cards.

Complimentary Silver Elite Status

The Marriott Business AMEX Card offers complimentary Marriott Silver Elite status. This is normally earned after staying 10 nights at Marriott brand hotels.

Since the card offer 15 elite nights annually, you'll automatically be 5 nights beyond Silver Elite status.

If you spend $30,000 on the card during the calendar year, you'll be upgraded to complimentary Marriott Gold Elite status.

Expense Management Tools

The Marriott Bonvoy Business AMEX offers expense management tools including:

  • Employee cards at no annual fee
  • Connect to Quickbooks
  • Online statements to view purchase history, prepare reports, and budget expenses
  • The ability to designate an account manager to access and manage your Business Card account
  • Account alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use
  • The American Express Business App to help you and your employees manage Business Card receipts
  • A Year-End Summary for you to view the charges you made during year with the ability to organize it in pie or bar charts, organized by categories like travel and restaurants
  • Vendor Pay by Bill.com to help you get the most out of paying your business bills and to improve your cash flow

AMEX Offers

Add AMEX Offers to the Marriott Bonvoy Business AMEX and save money or earn extra Membership Rewards Points on your purchases with top retailers.

Enrollment is required.

Travel & Purchase Coverage

The Marriott Bonvoy Business AMEX offers both travel and purchase insurance which includes:

Marriott Business AMEX Point Calculator

Calculate how many Marriott Bonvoy Points you can earn with the Marriott Business AMEX based on spend, card benefits, elite status, and the annual fee. Results can be compared side by side any U.S. credit cards featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Card Selected: -
Category Spending
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Calculate Rewards Average Value
How much is 0 worth?
Average Value
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
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Calculate Reward Transfers To Partners
Calculate Card Cash Value
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
#
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Total Card Value
Total Card Value
The final cash value of the credit card(s).
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Marriott Business AMEX Points Value

The Point Calculator values Marriott Bonvoy Points at 0.7 cents per point when redeemed for free nights at Marriott brand hotels. This means that 1,000 points earned with the Marriott Business AMEX Card would have an average cash value of $7.

Overall, Marriott Bonvoy Points can be used towards:

  • Free Nights at Marriott Properties
  • Airfare Tickets
  • Rental Cars
  • Shopping & Merchandise
  • Gift Cards

Use the Marriott Bonvoy Points Value Calculator to calculate the dollar value of your Marriott Points based on redemption.

Marriott Bonvoy Points Value Calculator

Enter any amount of points to see the average cash value.
Points
Travel
Marriott Hotels (Research)
~0.7 to 1.5+ Cents
~$0 - $0+
Marriott Hotels (Average)
~0.7 Cents
$0
Airfare Tickets
~0.38 Cents
$0
Rental Cars
~0.38 Cents
$0
Non-Travel Redemptions
All Marriott Gift Cards
12,500 Points for $50
$0
Other Gift Cards
0.2 to 0.33 Cents
$0 - $0
Shopping, Merchandise
~0.24 Cents
$0
Point Transfers
Transfer To Partners
Most Partners Are 3:1
0 Airline Miles

Check out our Marriott Bonvoy Points Value Calculator to get the breakdown of all redemption options as well as details on the best way to maximize your point value.

Marriott Business AMEX Point Transfer

Marriott Bonvoy Points can be transferred to 39 travel partners, mostly at a 3:1 ratio meaning that transferring 3,000 points would give you 1,000 points/miles with partners.

Marriott Bonvoy Transfer Partners
Transfer Partner Transfer Ratio
Aegan Airlines Miles+Bonus 3:1
Aeroflot Bonus 3:1
Aeromexico Club Premier 3:1
Air Canada Aeroplan 3:1
Air China PhoenixMiles 3:1
Air France-KLM Flying Blue 3:1
Air New Zealand Airpoints 200:1
Alaska Airlines MileagePlan 3:1
All Nippon Airways Mileage Club 3:1
American Airlines AAdvantage 3:1
Asiana Airlines Asiana Club 3:1
Avianca Lifemiles 3:1
British Airways Executive Club 3:1
Cathay Pacific Asia Miles 3:1
China Eastern Airlines Eastern Miles 3:1
China Southern Airlines Sky Pearl Club 3:1
Copa Airlines ConnectMiles 3:1
Delta Airlines SkyMiles 3:1
Emirates Skywards 3:1
Etihad Guest 3:1
Frontier Airlines FRONTIER Miles 3:1
Hainan Air Fortune Wings Club 3:1
Hawaiian Airlines HawaiianMiles 3:1
Iberia Plus 3:1
Japan Airlines HAK Mileage Bank 3:1
JetBlue TrueBlue 6:1
Korean Air SKYPASS 3:1
LATAM Pass 3:1
Qantas Frequent Flyer 3:1
Qatar Airways Privilege Club 3:1
Saudi Arabian Airlines Alfursan 3:1
Singapore KrisFlyer 3:1
South African Air SAA Voyager 3:1
Southwest Airlines Rapid Rewards 3:1
Tap Air Portugal Miles&Go 3:1
Thai Air Royal Orchid Plus 3:1
Turkish Air Miles and Smiles 3:1
United Airlines 3:1.1
Virgin Atlantic Flying Club 3:1

The Marriott Bonvoy program is one of the only hotel loyalty programs in which transferring points to travel partners actually has the chance to generate decent to great value. This is due to Marriott's excellent transfer ratio of 3:1 for most partners combined with ability to easily earn lots of points per $1 spent.

At the base rate, you'll earn 10 Marriott Bonvoy Points per $1 spent at most of Marriott's properties. This is equal to earning 3.3 points or miles per $1 spent with Marriott's travel partners.

Add on to the fact that you can earn up to 6 additional points per $1 spent using Marriott credit cards and up to 7.5 additional points per $1 spent based on elite status with Marriott. Overall, you can earn up to 23.5 Marriott Bonvoy Points per $1 spent at Marriott brand hotels which is equal to a whopping 7.83 points or miles with most of Marriott's partners.

Another big plus is that for every 60,000 Marriott Bonvoy Points you transfer, Marriott will throw in a bonus 15,000 Marriott Bonvoy Points. This is equal to an additional 5,000 points or miles with most partners once transferred.

Marriott Transfer Partners Calculator

Use the Marriott Transfer Partners Calculator to calculate the transfer of Marriott Bonvoy Points to their partners. You can enter any amount of Marriott Bonvoy Points to see how many rewards you will end up with when transferred. Do note that this calculator factors in the Marriott Transfer Bonus.

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Marriott Business AMEX Review

The Marriott Bonvoy Business AMEX Card offers a fair amount of benefits that can bring you great value, but is it worth the annual fee?

If you frequently stay at Marriott brand hotels or spend heavy in any of the 4x bonus categories on the card, then my answer is yes. Also, if you're trying to obtain free nights towards elite status, having this card can lend a big hand.

35,000-Point Free Night Certificate

Many people overlook the power of a 'free night award' featured on co-branded hotel cards. Yeah, the award is not technically free because you're paying an annual fee, but the amount that you can get out of a free night award is typically higher than the fee of the card itself.

Here's a few top rated hotels in the Tampa, Florida area that cost 35,000 points per night that you can use your Marriott Bonvoy Business AMEX certificate for:

marriott 35000 point hotels tampa

Using your certificate at these locations would give you between $182 and $264 in value which is higher than the annual fee of the card. It's actually not hard to use the certificate at a hotel that costs $125 or more since Marriott has lots of hotels that fall in the Category 4 to Category 5 range.

Bonus Categories

The Marriott Bonvoy Business AMEX Card earns 6 Marriott Bonvoy Points on eligible purchases at hotels particiapting in the Marriott Bonvoy program, 4 points per $1 spent on U.S. restaurant, U.S. wireless phone providers, U.S gas station, and U.S. shipping purchases, and 2 points per $1 spent on all other purchases.

When it comes to earning Marriott Bonvoy Points, these are the highest earning rates you can achieve across these four categories. If you or your business spends heavy in any of these categories, you can easily make up the cost of the annual fee.

Elite Nights Towards Status

With Marriott, you can earn up to 15 elite nights with (personal) Marriott credit cards and up to 15 elite nights with Marriott business credit cards for a total of 30 elite nights towards status. This means you can get up to Marriott Gold Elite status by just holding at least one personal and one business Marriott credit card and you'll only be 20 nights away from achieving Marriott Platinum Elite.

If you have your eye on the Marriott Bonvoy Business AMEX Card for your spending, but want to gain an additional 15 elite status nights without paying extra, you can pick up the Chase Marriott Bonvoy Bold Card which has no annual fee.

The card has minimal benefits, but it does grant the additional 15 elite status nights that you can stack on top of your 15 elite status nights from the Marriott business card.

Marriott Bonvoy Business™ American Express® Card
Marriott Bonvoy Business American Express Card
Intro Bonus
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Rewards Rate
6X
Earn 6x points at participating Marriott Bonvoy hotels.
4X
Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X
Earn 2x points on all other eligible purchases.
Main Card Highlights
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms Apply.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%

Marriott Credit Card Points Calculators

Click on a card to calculate how many Marriott Bonvoy Points you can earn with the card based on spend. Spend entered into credit card calculators will roll over to other credit card calculators on the site, so there's no need to re-enter spend.

Hotel Points Calculators

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