Travel on Points

Review: Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business American Express Card offers enough benefits to offset its annual fee, making it a good business card option for Marriott fans.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Review: Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business American Express Card offers enough benefits to offset its annual fee, making it a good business card option for Marriott fans.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

The Marriott Bonvoy Business American Express Card is Marriott's only co-branded business credit card. This card offers enough benefits to offset its $125 annual fee. Like many other Marriott credit cards, the Bonvoy Business card offers 15 elite night credits towards status. These nights can be stacked with the elite night credits offered from other Marriott cards. That makes the Bonvoy Business an important card for Marriott loyalists, especially those who chase Titanium Elite status annually.

Current Offer

The Bonvoy Business card currently offers the opportunity to earn 75,000 Bonvoy points after spending $3,000 within the first 3 months. The card has a $125 annual fee, which is not waived in the first year.

According to the terms and conditions, the welcome offer for the Bonvoy Brilliant is not available to those who (i) have or have had the Marriott Bonvoy Premier Plus Business Credit Card from Chase, the Marriott Rewards Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business Credit Card from Chase, or the Marriott Rewards Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless Credit Card from Chase, or the Marriott Bonvoy Bold Credit Card from Chase, in the last 90 days, or (iii) received a new card member bonus offer in the last 24 months on the Marriott Bonvoy Bountiful Credit Card from Chase, Marriott Bonvoy Boundless Credit Card from Chase, or the Marriott Bonvoy Bold Credit Card from Chase.

The welcome offer is also not available to those who have or have had this product or the Starwood Preferred Guest Business Credit Card from American Express.

Earn Rate

The Bonvoy Business card earns bonus points in the following categories:

  • 6x on Marriott purchases
  • 4x 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
  • 2x on all other eligible purchases

Benefits

The Bonvoy Business card's benefits include:

  • Complimentary Gold Elite status
  • A free night award worth up to 35,000 points annually (you can top the award off with up to 15,000 points)
  • 15 elite nights toward status annually
  • A free night award worth up to 35,000 points when you spend $60,000 on the card in a calendar year
  • No foreign transaction fees

Our Analysis

The Bonvoy Business is quite similar to the Marriott Bonvoy Boundless Credit Card from Chase(review). Both cards offer a free annual night certificate worth up to 35,000 points and 15 elite night credits towards status. The main differences are that the Bonvoy Business offers complimentary Gold Elite status instead of the Bonvoy Boundless card's Silver Elite status. Also, the Bonvoy Business card's $125 annual fee is higher than the $95 of the Bonvoy Boundless.

At first, it might look like the Bonvoy Business charges an extra $30 in annual fee in exchange for Gold Elite status instead of Silver. But the higher annual fee actually nets you another 15 elite night credits that you cannot get from any other Marriott credit card. This is because you can stack elite night credits from the Bonvoy Business card with elite night credits from any one of the personal Marriott cards. You just can't stack elite night credits from multiple personal cards.

The Bonvoy Business card's earning structure is weak just like the rest of all of Marriott's credit cards. The card earns 4x Bonvoy points across multiple categories, namely, 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. But you can earn 3x or 4x in transferable currencies from many different cards. For example, the Chase Sapphire Preferred(review) earns 3.1x Ultimate Rewards on dining, and the American Express Gold Card(review) earns 4x Membership Rewards at restaurants. After all, transferable currencies like Chase URs and Amex MRs are way more valuable than hotel points.

Lastly, the card's welcome bonus is rather weak. There are several other credit cards with more rewarding sign-up bonuses than 100,000 Bonvoy points. That said, as a business card, the Bonvoy Business at least doesn't take up a 5/24 slot.

Final Thoughts

The Bonvoy Business card offers enough benefits to offset its $125 annual fee. Specifically, the annual free night certificate and 15 elite night credits can make this card a keeper, since you can stack these with elite night credits offered from other Marriott cards. Like other Marriott cards, we do not recommend actually spending much on the Bonvoy Business. The Bonvoy Business card does not count towards 5/24, but we would like to see a better welcome offer than the current one.

What are your thoughts about the Marriott Bonvoy Business American Express Card? Join the discussion in our Facebook group!

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

SIGN UP TO RECEIVE
ToP TIPS STRAIGHT TO YOUR INBOX

We promise to keep things short, sweet, and packed with awesome insights!