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
|Rewards Avg. Value|
|Authorized User Fee|
|Foreign Transaction Fee|
Marriott Business AMEX Bonus Categories
The Marriott Business AMEX Card features the following bonus categories and earning rates:
- 6X Marriott
- 4X U.S. Restaurant
- 4X U.S. Wireless Phone Providers
- 4X U.S. Gas Station
- 4X U.S. Shipping
- 2X Everything Else
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.
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
- 15 Elite Nights Annually
- Complimentary Silver Elite Status
- Expense Management Tools
- AMEX Offers
- Travel & Purchase Coverage
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
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.
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.
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.
|Transfer Partner||Transfer Ratio|
|Aegan Airlines Miles+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|
|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|
|Frontier Airlines FRONTIER Miles||3:1|
|Hainan Air Fortune Wings Club||3:1|
|Hawaiian Airlines HawaiianMiles||3:1|
|Japan Airlines HAK Mileage Bank||3:1|
|Korean Air SKYPASS||3:1|
|Qantas Frequent Flyer||3:1|
|Qatar Airways Privilege Club||3:1|
|Saudi Arabian Airlines Alfursan||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|
|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.
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:
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.
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.