Marriott Bonvoy Business® American Express® Card
For owners whose teams sleep at Marriott brands. The annual Free Night Award alone can outweigh the $125 fee, and a 7% discount applies on eligible bookings made directly with Marriott. Gold Elite status and 15 Elite Night Credits come with the card. Earning outside the 6X and 4X categories drops to 2X, and points stay inside Marriott Bonvoy.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Annual Free Night Award after each renewal month, redemption level up to 35,000 points
- Marriott Bonvoy Gold Elite status with bonus points on stays
- 15 Elite Night Credits each calendar year toward Platinum status
- 7% discount on eligible direct Marriott bookings
- Free premium in-room internet at participating hotels
- No foreign transaction fees
- Annual fee: $125
- Regular purchase APR: 19.49% - 28.49% Variable
- Intro APR: N/A
- Balance transfers: not offered on this card
- Cash advance APR: 28.74% Variable
- Cash advance fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late payment fee: Up to $39
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business books Marriott stays and the 7% direct-booking discount applies to them
- You can count on the annual Free Night Award repaying the $125 fee
- Your gas, dining, wireless and shipping costs earn 4X Bonvoy points
- You should skip it if your company travel is not anchored to Marriott brands
Marriott Bonvoy Business® American Express® Card Review
The Marriott Bonvoy Business® American Express® Card is the dedicated business route into Marriott's program. This review covers the annual Free Night Award, the 7% direct-booking discount and the $125 fee.
How You Earn
The 4X tier tracks common business costs, and hotel spending earns 6X on top of what stays earn through status.
- Restaurant earning applies worldwide
- Gas, wireless and shipping earning applies to U.S. merchants
| Category | Earn rate |
|---|---|
| Participating Marriott Bonvoy hotels | 6X |
| Restaurants worldwide | 4X |
| U.S. gas stations | 4X |
| U.S. wireless and U.S. shipping | 4X |
| Other eligible purchases | 2X |
How You Redeem
The annual Free Night Award and point stays at Marriott properties carry the card's value.
- Free Night Award covers stays up to 35,000 points
- A second award unlocks at $60,000 in yearly spending
- Points book award nights across Marriott Bonvoy brands
Benefits and Protections
Status perks apply at participating hotels and card protections cover travel and purchases.
- Gold Elite status with priority late checkout when available
- 15 Elite Night Credits each year
- Free premium in-room internet
- Air and car transfer options through the Bonvoy program
Who This Card Is For
This card is for businesses that already book Marriott rooms. The discount, the Free Night Award and elite credits reward that pattern. Businesses without Marriott travel get little from it.
- Owners and teams staying at Marriott brands
- Businesses that want a low-fee hotel card
- Not for companies that need transferable points
Comparison
| Feature | Marriott Bonvoy Business® American Express® Card | Hilton Honors American Express Business Card | Marriott Bonvoy Boundless® Credit Card |
|---|---|---|---|
| Annual Fee | $125 | $195 | $95 |
| Welcome Offer | Up to 125,000 pts, two spend tiers in 6 months | 130,000 pts after $6,000 in 6 months | 4 Free Night Awards after $3,000 in 3 months |
| Rewards Rate | 6X Marriott, 4X dining, gas, shipping | 12X Hilton, 5X on first $100K per year | Up to 17X at Marriott hotels |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Marriott business travel | Hilton business spending | Personal Marriott free nights |
Issuer Comparison
| Feature | Marriott Bonvoy Business® American Express® Card | Hilton Honors American Express Business Card | Marriott Bonvoy Bevy® American Express® Card |
|---|---|---|---|
| Annual Fee | $125 | $195 | $250 |
| Welcome Offer | Up to 125,000 pts, two spend tiers in 6 months | 130,000 pts after $6,000 in 6 months | 125,000 pts plus $150 credit, ends 09/30/2026 |
| Rewards Rate | 6X Marriott, 4X dining, gas, shipping | 12X Hilton, 5X on first $100K per year | 6X Marriott, 4X dining and U.S. supermarkets |
| Key Credits | Annual Free Night Award up to 35,000 pts | Up to $240 Hilton credit per year | 1,000 bonus points per paid stay |
| Best For | Marriott business travel | Hilton business spending | Personal Marriott regulars |
Reader results for this card
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.