The Marriott Bonvoy Business® American Express® Card is your gateway to incredible travel rewards and exclusive benefits, specially crafted for the modern business traveler. Not only does this card enhance your hotel experiences, but it also maximizes your earning potential.

With exciting perks such as complimentary Gold Elite status and the chance to earn Free Night Awards, you can elevate both your business trips and personal vacations to new heights.

Key information about the Credit Card

How does the annual fee work?

The Marriott Bonvoy Business® American Express® Card comes with an annual fee of $125. While some credit cards may offer no annual fee, the value this card provides far outweighs the cost. The benefits, including potential Free Night Awards and elite status perks, can easily justify the annual fee if you frequently utilize them.

Unfortunately, there’s no option for fee waiver, but the substantial rewards and perks you stand to gain make the fee seem minimal in comparison to the overall value received. For those who travel often, this fee is just a small price to pay for the luxury and convenience that come with the card.

How is the credit limit determined?

Credit limits are determined based on a variety of factors, including your creditworthiness, income, and overall financial health. For conventional cards, institutions typically consider credit scores, payment history, and existing debt levels to set the limit.

In the case of secured cards or prepaid options, customers can choose their own limit by deciding how much to deposit. With the Marriott Bonvoy Business Card, your creditworthiness will be thoroughly evaluated to establish an appropriate limit that suits your spending habits and business needs.

Advantages of the Credit Card

• Earn 5 Free Night Awards: After making $8,000 in eligible purchases within the first six months, you can earn up to 250,000 Marriott Bonvoy® points, which equates to five Free Night Awards at participating hotels. This is an exceptional way to enjoy luxurious stays at some of the finest hotels without additional costs.
• Marriott Bonvoy Gold Elite Status: With this card, you receive complimentary Gold Elite status, which comes with enhanced benefits like late checkout, room upgrades, and additional points on eligible stays. This elite status allows you to travel with added comfort and convenience.
• Points on All Purchases: The card allows you to earn 6X points on hotel stays, 4X points at restaurants and gas stations, and 2X points on other eligible purchases. This means that whether you’re dining out, filling up your tank, or booking a hotel, you’re continuously earning points that can be redeemed for free nights and more.
• Discounted Rates: As a cardholder, you enjoy a 7% discount on eligible bookings when you book through Marriott. This discount can significantly reduce your overall travel costs, making your business trips and vacations more affordable.
• No Foreign Transaction Fees: Travel without the worry of extra charges when making purchases abroad. This feature is especially valuable for business travelers who frequently travel internationally, allowing you to save money while enjoying the flexibility of using your card globally.

Standout advantage: The Points Program

The points program is a significant differentiator for the Marriott Bonvoy Business® Card. You can earn an impressive 18.5X points per dollar spent on eligible hotel purchases. With every dollar spent, you’re not just earning points—you’re unlocking opportunities for luxurious stays and unforgettable travel experiences.

Plus, your Gold Elite status grants you an additional 25% more points on eligible purchases, allowing your points to accumulate faster than ever. This tiered earning structure ensures that both your business expenses and leisure spending contribute to your travel rewards.

Disadvantages

• Annual Fee: The $125 fee may be a deterrent for some, especially for those who don’t travel often or plan to fully utilize the card’s benefits.
• Resort Fees: Some hotels impose additional fees that can reduce the overall value of your points. These fees can sometimes catch travelers off guard, so it’s essential to read the fine print.
• Spending Requirement for Bonuses: The $8,000 spending requirement to earn Free Night Awards may not be feasible for everyone within the six-month timeframe. This requirement could limit access to these valuable rewards for those who don’t spend that much.

Notable disadvantage: The Annual Fee

While the annual fee can be seen as a disadvantage, it’s essential to weigh this against the potential rewards. If you’re not planning to utilize the card’s benefits—such as Free Night Awards, discounted rates, and elite status—the fee might feel unjustified.

However, for frequent travelers who can maximize rewards and perks, this fee can easily be recouped through the value of earned points and exclusive discounts, making it a worthwhile investment.

Who can apply for this card?

To be eligible for the Marriott Bonvoy Business® American Express® Card, you must meet certain criteria:

• Minimum Age: Applicants must be at least 18 years old.
• Minimum Income: While there’s no specified minimum income, your financial health should support responsible credit use. Lenders typically look for a stable income that can sustain credit card payments.
• Credit Score: A good to excellent credit score is generally required. A solid credit history can significantly enhance your chances of approval.
• No Negative History: Individuals with negative credit history, such as defaults or bankruptcies, may find it challenging to get approved. Maintaining a positive credit history will improve your chances of receiving this valuable card.

How to apply for the Marriott Bonvoy Business® American Express® Card

Through the Website

To apply online, visit the Marriott Bonvoy website and navigate to the credit card section. Here, you’ll find detailed information about the card and an application form. Fill out the form with your personal information, including your income and employment details, and submit it for review. The online process is typically quick and efficient, with responses often provided within minutes.

Through the App

If you prefer a mobile experience, the Marriott Bonvoy app allows for a seamless application process. Simply download the app from your device’s app store, create or log into your account, and follow the prompts to apply for the card. The app provides an intuitive interface, guiding you through each step to ensure a smooth application experience.

In-Store or Agency

For those who prefer a more personal touch, you can apply at select locations that partner with American Express. A representative will guide you through the application process and answer any questions you may have. This option can be beneficial for individuals who prefer face-to-face interactions or need assistance with specific aspects of the application.