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Marriott Bonvoy Business® American Express® Card

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welcome offer

Earn 75,000 points after spending $3,000 within the first 3 months (terms apply).

Bonus Value

Approximately $375

Annual Fee

$125

Card Rewards

6 points at participating Marriott Bonvoy(R) hotels

4 points at restaurants, US gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping

2 points on all other eligible purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Marriott Bonvoy Business American Express Card gets you 6 point at Marriott hotels and 4 points at restaurants, gas stations, and wireless telephone services. You will get a Free night award after every card anniversary. Plus, get a second Free Night certificate after you spend $60,000 in purchases on your card in a calendar year.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards.
  • Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • Double dipping: if you received the bonus with the SPG Business version then you cannot receive the bonus again. The welcome offer is not available if you got a welcome bonus on any Chase consumer Marriott card within the past 24 months. You will also not receive the bonus if you got approved for a Chase Marriott Business card within the last 90 days (even if you did not receive the bonus).
  • Credit bureau: Amex will usually pull your Experian credit report
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • Check application status: You can check your application status  here  or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
737 Avg. Score of those approved
0% Denied
Approved 100% (4)
Denied 0% (0)

Credit limit range $3,000-$20,000

Avg. Credit limit$13,250

Approved 100% (4)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
You are not eligible to receive a welcome bonus if you received a welcome bonus in the past for the Marriot Bonvoy Business card or on the Starwood Preferred Guest Business Credit Card from American Express. The welcome bonus is also not available if you received a bonus on any Chase Marriot card within the past 24 months (If you opened a Chase Marriott card but did not receive a bonus then the timeframe is 90 days).
Card Details And Benefits
Rewards

– 6 points at participating Marriott Bonvoy hotels
– 4 points at restaurants, US gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
– 2 points on all other eligible purchases

Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Get complimentary upgraded to Marriott Gold Elite status.

Plus, get 15 Elite night credits per calendar year to make it easier for you to reach higher elite status.

Credits

Receive a 7% discount off regular guest rooms rates

Free Night Certificate

Get a free 1-night award certificate every year after your card renewal month.

Plus, get an additional Free Night certificate after you spend $60,000 in purchases on your card in a calendar year, at participating hotels. (Free nights can be used at a redemption level of up to 35,000 points per night).

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $50,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.

Lost Luggage Reimbursement

Get covered for lost or damaged luggage up to $500 per person for checked baggage and up to $1,250 per person for carry-on baggage. Max $10,000 per trip for NY residents.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.

How can the points be used?

The points can be redeemed for free nights at Marriott hotels and its brands at the approximate value of a half a penny per point. 

Marriott Bonvoy brands include:

  • Edition
  • The Ritz Carlton
  • The Luxury Collection
  • Stregis
  • W Hotels
  • JW Marriott
  • Marriott
  • Sheraton
  • Marriott Vacation Club
  • Delta Hotels
  • Westin
  • Meridien
  • Renaissance Hotels
  • Autograph Collection Hotels
  • Tribute Portfolio
  • Design Hotel
  • Courtyard
  • Gaylord Hotels
  • Four Points
  • Springhill Suites
  • Fairfield
  • Protea Hotels
  • AC Hotels Marriott
  • Aloft Hotels
  • Moxy Hotels
  • Homes & Villas
  • Residence Inn
  • Towneplace Suites
  • Marriott Executive Apartments
  • Element

Additional Resources

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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