Marriott Bonvoy Business American Express Card

Marriott Bonvoy Business American Express Card

Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

Marriott Bonvoy Business American Express Card
American ExpressBusiness Hotel Travel

Marriott Bonvoy Business American Express Card

Our take: strongest for travel — about 4.5% back in value (est.) for $150 a year, plus a welcome bonus we value at roughly $720.

Welcome bonusUp to 80,000 Marriott Bonvoy points as a new business cardmember
Apply on Amex’s site →

  • Goes straight to American Express
  • Our review

The business version of the Marriott Bonvoy Amex Card adds a higher 3x bonus category for gas, dining, and travel on top of the 5x Marriott rate, plus room for up to 99 employee cards — aimed at small businesses whose owners or staff travel and stay at Marriott properties.

4.2out of 5

MoneyMint rating

#3 of 15 business cards · How we rate

Rewards value
5/10
Insurance
8/10
Flexibility
7/10
Welcome bonus
10/10
Fee value
10/10
Perks
2/10

≈ $1,294

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. Compare all 15 business cards →

At a Glance

Annual fee

$150/yr$50/yr per Employee card, up to 99

Rewards rate

5 pts/$1 Marriott3 pts/$1 gas, dining, travel

Welcome bonus

Up to 80,000 pts70,000 after $5,000 in 3 months

Rewards

~4.5%on travel (est. value)

Credit score needed

Very good

Foreign transaction fee

2.5%not officially confirmed for this card

Pros & Cons

Pros

  • Annual Free Night Award after each account anniversary
  • Automatic Silver Elite status plus 15 Elite Night Credits/year
  • Path to automatic Gold Elite status via $30,000 in annual card spend
  • Up to 99 supplementary Employee cards with Employee Card Misuse Protection up to $100,000
  • 3x on gas, dining, and travel — a step up from the personal card’s 2x general rate

Cons

  • $150/year plus $50/year per Employee card adds up for larger teams
  • No emergency medical or trip cancellation/interruption insurance found in official materials
  • Welcome bonus requires $5,000 in spend within 3 months for the first 70,000 points
  • Requires a business or sole-proprietor application

Rewards & Earn Rates

Marriott Bonvoy hotels5 pts/$1
Gas, dining, travel3 pts/$1
All other purchases2 pts/$1
One source described a maximum of 9 supplementary cards while Amex’s own employee-cards page states up to 99 are available — the official figure (99) is treated as authoritative here, but confirm this directly if you plan to issue many employee cards.

Who It’s For

Best for

  • Small businesses whose owners or staff stay at Marriott properties regularly
  • Businesses that spend meaningfully on gas, dining, and travel
  • Teams that want to issue several employee cards with fraud protection built in

Not ideal for

  • Businesses that don’t stay at Marriott hotels
  • Those needing built-in trip or medical travel insurance
  • Very new or low-spend businesses unlikely to reach the $5,000 welcome-bonus threshold
IssuerAmerican Express
Annual fee$150/yr
Welcome bonusUp to 80,000 pts
Foreign transaction fee2.5%
MoneyMint rating4.2 / 5

Apply on Amex’s site →

This link goes directly to American Express’s official page. MoneyMint doesn’t currently have a paid partnership for this card, so this isn’t a monetized recommendation.

+ Compare with other cards

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BMO VIPorter World Elite Mastercard

BMO VIPorter World Elite Mastercard

Pick this instead if travel insurance matters more to you.

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Marriott Bonvoy American Express Card

Marriott Bonvoy American Express Card

Pick this instead if most of your spending is travel (~4.5% est.).

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4.2MoneyMint rating

Marriott Bonvoy Business American Express Card

Best for travel · $150/year · ~$720 welcome bonus (est.)

Apply on Amex’s site →Compare business cards

J

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against Amex’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by American Express and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the Marriott Bonvoy Business American Express Card?

The Marriott Bonvoy Business American Express Card has an annual fee of $150/year for the primary card; $50/year per additional Employee card, up to 99 supplementary cards.

What is the rewards rate on the Marriott Bonvoy Business American Express Card?

The Marriott Bonvoy Business American Express Card offers: 5 points/$1 at participating Marriott Bonvoy hotels; 3 points/$1 on eligible gas, dining, and travel purchases; 2 points/$1 on everything else

Does the Marriott Bonvoy Business American Express Card have a welcome bonus?

Up to 80,000 Marriott Bonvoy points: 70,000 points after $5,000 in spend in the first 3 months, plus 10,000 points after $1,000 in spend in month 13. Current or former cardmembers with this card aren’t eligible. The limited-time 110,000-point offer ended September 22, 2026. Requires a business or sole-proprietor application; Amex states there is no minimum income requirement, and no specific business revenue threshold is published.

What credit score do I need to qualify for the Marriott Bonvoy Business American Express Card?

Generally, you’ll want a very good credit score to be considered for the Marriott Bonvoy Business American Express Card. Approval also depends on income and overall credit history, not credit score alone.

Does the Marriott Bonvoy Business American Express Card charge foreign transaction fees?

American Express discloses the foreign currency conversion commission only in the disclosure statement issued after approval, not on its public pages