Marriott Bonvoy Business® American Express® Card
- Best for: Business owners who stay at Marriott for work at least once a year
- What Sets It Apart: Gold Elite status and a yearly free night for $125; 7% off direct Marriott bookings
- Cost: $125 annual fee; no foreign transaction fee; 19.74% to 28.74% variable APR; no annual fee for employee cards
- Features: 100,000 points and a free night after $8,000 in purchases in 6 months, through Nov. 4, 2026; 6X at Marriott hotels; 4X at restaurants, U.S. gas stations, U.S. shipping, and wireless service bought directly from U.S. carriers; 2X elsewhere; 15 elite night credits a year
- Pros: Free night covers the $125 fee when the room would cost more than $125 in cash; Gold status included; night credits stack with a personal Marriott card’s; free employee cards
- Cons: 2X on other purchases trails a 2% cash-back card unless points are worth at least a cent; free night capped at 35,000 points and excludes resort fees; no welcome offer after a recent Chase Marriott card bonus
Get the Marriott Bonvoy Business® American Express® Card if you stay at Marriott for work and use its yearly free night, which covers the $125 fee when the room would cost over $125 in cash, with Gold status included. If your Marriott stays are vacations, keep them on a personal Marriott card, since this one is for business spending only.
The Marriott Bonvoy Business American Express Card is Marriott’s only business credit card, for owners who stay at Marriott on work trips. A side business is enough to apply, because sole proprietors don’t need an employer identification number.
Key Features
- $125 annual fee, no foreign transaction fee, and a variable interest rate of 19.74% to 28.74%
- 100,000 bonus points and a free night worth up to 50,000 points after $8,000 in purchases within 6 months, through Nov. 4, 2026
- 6X points at Marriott hotels; 4X at restaurants worldwide, U.S. gas stations, U.S. shipping, and wireless service bought directly from U.S. carriers; 2X elsewhere
- A free night each year after your renewal month, at hotels costing up to 35,000 points a night, and a second after $60,000 in purchases in a calendar year
- Gold Elite status, plus 15 elite night credits a year that count toward the 50 nights Platinum status takes
Pros
- A free night each year that covers the $125 fee whenever the room it books would cost more than $125 in cash
- Gold status adds 25% bonus points on stays and, when available, late checkout and room upgrades
- 7% off Marriott’s standard flexible rate on direct bookings, versus the 2% to 5% any member gets
- Its night credits add to those of one personal Marriott card, for 30 a year with a card that gives 15
- Up to 99 employee cards with no annual fee, and their purchases earn you points
Cons
- 2X on other purchases, less than a no-fee 2% cash-back card pays unless each point is worth at least a cent
- Free night expires after a year, covers no resort fees, and tops out at 35,000 points unless you add up to 25,000 of your own
- No welcome offer if you’ve had this card or earned a Chase Marriott card’s bonus in the past 24 months
Get it if you stay at Marriott for work and will use the free night. Book vacations on a personal Marriott card, because every charge on this one must be for the business.
Learn more about the Marriott Bonvoy Business® American Express® Card or see how it compares to the best small-business credit cards.
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