Marriott Bonvoy® Business American Express®* Card
Card highlights
Welcome bonus
Anniversary bonus
Annual fee
Ratehub’s review
Natasha Macmillan
The Marriott Bonvoy Business American Express Card is a strong choice for growing businesses whose employees travel frequently. You’ll get rewarded for hotel stays and accumulate rewards you can use to cover the cost of future bookings. Just keep in mind you’ll need to reach a certain spending threshold to be eligible for points bonuses, and to get upgraded to Marriott Bonvoy Gold Elite status for the best travel perks.
Pros
- High points earn rate: The welcome offers promise high points earnings, but the regular rate is impressive, too, and not applicable to spending limits.
- Earn free hotel stays: You can get one free hotel stay per year, or up to 15 stays if you meet the offer conditions.
- Business perks: Amex offers business perks with the card like payment flexibility, installment plans, expense management tools and more to help you run things smoothly.
- Travel insurance: You get full travel coverage including baggage, flight delay, car rental insurance and more for peace of mind and convenience on business trips.
Cons
- Supplementary cards aren’t free: Each additional card costs $50, which can add up if you are distributing cards to employees. Some other cards may waive this fee.
- Points are less flexible: If you want to use points for things like bill payments or statement credits, you may want to consider another card as this card is best used for travel redemptions (although you can redeem for some merchandise and gift cards, too.)
- Your points are worth less if you are using them for redemptions other than hotel stays. You can transfer Marriott Bonvoy points to other airline rewards programs at a ratio of 3:1, although you will get extra bonus points for doing so.
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $819.
Earn 70,000 points after you spend $5,000 on your Card in your first 3 months of Cardmembership.
Anniversary bonus
Earn up to 10,000 points (a $117 value).
Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership
Earn rates
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 85 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $150 annual fee
Second year reward
Based on spending $2,200/mo after $150 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual fee
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Anniversary bonus
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Not included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Not included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Not included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Not included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Not included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $150
Rates
- Purchase interest
- 21.99%
- Balance transfer rate
- N/A
- Cash advance rate
- 21.99%
Type
- Provider
- American Express
- Card type
- Travel
- Payment network
- American Express
Eligibility
- Minimum personal income
- N/A
- Minimum household income
- N/A
- Minimum credit score
- 725+