Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
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.
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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.
MoneyMint rating
#3 of 15 business cards · How we rate
≈ $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 →
Not Sure? Three Cards People Compare It With
RBC British Airways Visa Infinite
Pick this instead if travel insurance matters more to you.
Fee $165Rating 4.2 ★Bonus $850
BMO VIPorter World Elite Mastercard
Pick this instead if travel insurance matters more to you.
Fee $199Rating 4.2 ★Bonus $1,050
Marriott Bonvoy American Express Card
Pick this instead if most of your spending is travel (~4.5% est.).
Fee $120Rating 3.8 ★Bonus $630
Further Reading
Marriott Bonvoy Business American Express Card
Best for travel · $150/year · ~$720 welcome bonus (est.)
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