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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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The rating for this card has been determined by our own industry
experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates
and fees are all taken into account. Compensation from the issuer does not affect our rating.
We only recommend products we either use ourselves or endorse.
4.25
125,000 points
$125
20.99% - 29.99% Variable
Good to Excellent (670-850)
Marriott Bonvoy Business® American Express® Card
A great option for business owners who stay in Marriott hotels and want automatic elite status.
U.P. Rating
The rating for this card has been determined by our own industry
experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates
and fees are all taken into account. Compensation from the issuer does not affect our rating.
We only recommend products we either use ourselves or endorse.
Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.
Card Details
Card Snapshot
Welcome Bonus & Info
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
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.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. 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 Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
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.
2x points per $1 on all other purchases
15 Elite Night Credits
1 Free Night Award each cardmember anniversary (up to 35,000 points)
Complimentary Marriott Bonvoy Gold Elite Status
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
Business travelers are likely to be on the go quite often, and probably spend a lot of nights in hotels throughout the year.
If you find yourself staying at Marriott hotels the most often, then the Marriott Bonvoy Business card might be a must-have for you.
Not only will the card help you earn more points while staying at Marriott hotels, but its other bonus categories will help you keep earning points while you’re home as well.
Beyond that, with benefits like an annual free night certificate, complimentary Gold Elite status, and a head start towards higher levels of elite status with 15 Elite Night Credits each year, the card will easily pay for itself for those who frequent Marriott hotels.
Marriott Bonvoy Business Card — Top Benefits
Anniversary Complimentary Night Certificate
The complimentary night certificate, given each year at your card renewal, is perhaps one of the best benefits this card has to offer and helps to make up for the card’s annual fee. This free night award is good for any Marriott hotel costing up to 35,000 points per night, meaning you could get a free night in a Category 5 property, assuming that it is not a peak night.
Category 5 Marriott properties can often be priced anywhere from $200 to $300 a night, so the annual fee in exchange for a free night in one of these hotels can make a lot of sense if you know you’ll be frequenting Marriott hotels anyway.
With Marriott Bonvoy’s move to dynamic award pricing in March 2022, you will also be able to add up to 15,000 Marriott Bonvoy points to top off the value of your certificate in order to redeem it at a more expensive property.
The free night certificate expires 12 months after it was issued, giving you plenty of time to find a good use for it.
15 Elite Night Credits
In terms of working your way to the upper levels of Marriott Bonvoy elite status, the Marriott Bonvoy Business card gives cardholders a boost towards status with 15 nights of Elite Night Credits each year. Don’t confuse these with free night certificates, though, as you cannot redeem these credits for award nights — they only count towards your elite status requirements.
For example, Gold Elite status and Platinum Elite status require 25 nights and 50 nights a year, respectively. That means, with your automatic 15 Elite Night Credits, you will only actually need to stay 10 nights each year to earn Gold Elite status, and 35 nights each year to earn Platinum Elite status.
How To Earn and Redeem Marriott Bonvoy Points
Besides staying at a Marriott hotel and putting your purchases on your credit card, what other ways can you utilize to earn Marriott Bonvoy points? Fortunately, for points travelers, there are many great ways to rack up Marriott Bonvoy points.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.
Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.
Pros
12x points per $1 on Hilton purchases
6x points per $1 at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
6x points per $1 at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
3x points per $1 on all other purchases
Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
10 complimentary Priority Pass visits
Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after you spend $60,000
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Rather have Hilton as your hotel chain of choice? The Hilton Business Amex card is a great option. With a moderate annual fee it offers 12x points per $1 on Hilton stays, 6x points per $1 with U.S. gas stations, wireless telephone services, U.S. purchases for shipping, restaurants worldwide, flights booked directly with airlines, and car rentals booked directly from select car rental companies, plus 3x points per $1 on everything else.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Not loyal to a specific hotel group or prefer a more well-rounded option? The Ink Business Preferred card could be a good fit.
While it doesn’t feature any of the luxury perks or elite status, it has a fantastic earning rate of 3x points per $1 on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, internet, cable, and phones services.
It makes for a compelling option for those who just want a strong point-earning card without any extras.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here. For rates and fees of The Hilton Honors American Express Business Card, click here.
Frequently Asked Questions
If you’re a business owner who frequents Marriott hotels enough to get value out of the elite status and annual free night, then the Marriott Bonvoy Business card might be a great option.
Which card is best depends on which is the best fit for you and your needs. Be sure to compare and contrast the benefits of each card to determine which will be the most useful to you.
Yes, Marriott Bonvoy has a variety of airline transfer partners that you can transfer your points to.
If you’re a business owner, even just as a sole-proprietor or freelancer, you’re eligible to apply for a business card. Whether or not you will be approved depends on your creditworthiness, which is determined by your credit score as well as other factors like your income.
The Marriott Bonvoy Business card does not charge foreign transaction fees.
Yes, adding employee credit cards are no cost for Marriott Bonvoy Business cardholders (rates and fees).
Your Marriott Bonvoy points will expire after 24 months of no account activity. To keep them alive, you just need to a qualifying activity, like earning or redeeming points.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
2 comments
Chris
October 10, 2021
I believe that I received an additional two award certificates upon renewal of the Bonvoy Business Amex this cycle. In total, three 35K certs showed up in my account over the course of a week. While I’m not complaining I would like to know if there’s official wording about renewals getting extra certs. Makes sense as a customer retention tool since new apps for the card get two certs (at a higher point value, no less) after minimum spend.
Any thoughts?
Hi Chris. Not aware of any additional free night certs being offered to members as a renewal gesture. However, business cardholders who spend $60,000 in a year or personal cardholders who spend $25,000 in a year, each receive an extra certificate. The value of these certs is 35K and 20K respectively. I know when the expiration dates of existing certificates were extended, I thought I had received an extra cert too but in the end, I determined I did not. Hope you get to enjoy yours and thanks for sharing. Perhaps other readers experienced the same.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
2 comments
Chris
October 10, 2021
I believe that I received an additional two award certificates upon renewal of the Bonvoy Business Amex this cycle. In total, three 35K certs showed up in my account over the course of a week. While I’m not complaining I would like to know if there’s official wording about renewals getting extra certs. Makes sense as a customer retention tool since new apps for the card get two certs (at a higher point value, no less) after minimum spend.
Any thoughts?
Christine Krzyszton
October 10, 2021
Hi Chris. Not aware of any additional free night certs being offered to members as a renewal gesture. However, business cardholders who spend $60,000 in a year or personal cardholders who spend $25,000 in a year, each receive an extra certificate. The value of these certs is 35K and 20K respectively. I know when the expiration dates of existing certificates were extended, I thought I had received an extra cert too but in the end, I determined I did not. Hope you get to enjoy yours and thanks for sharing. Perhaps other readers experienced the same.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
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