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.
Author - Sam
Updated: November 27, 2023 | Credit Card Review 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.
- 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. No Preset Spending Limit* cards are not included in this rule and do not get counted.
- 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)
Credit limit range $3,000-$20,000
Avg. Credit limit$13,250
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.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
- Marriott Boundless (Chase)
- Marriott Bold (Chase)
- Marriott Bountiful (Chase)
- Marriott Boundless (Chase)
- Marriott Bold (Chase)
- Marriott Bountiful (Chase)
No foreign transaction fee.
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.
Receive a 7% discount off regular guest rooms rates.
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).
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.
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.
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.
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.
The points can be used at approximately half a penny per point to book free nights at one of the following Marriott hotel brands:
- 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
You can transfer your points to any of the following Marriot Travel Partners.
Airline partners:
| Transfer Ratio | Transfer Time | |
| Aegean Airlines, Miles+Bonus | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 72 hours |
| Aer Lingus, Avios | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 72 hours |
| Air Canada, Aeroplan | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 4-5 days |
| Aero Mexico, ClubPremeir | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 2 – 4 days |
| Air France/ KLM Flying Blue | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24- 72 hours |
| Alaska Airlines, Mileage Plan | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 48 hours |
| Air New Zealand, Airpoints | 200:1 | 24 hours |
| ANA, Mileage Club | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 4 – 7 days |
| Avianca, LifeMiles | 3:1 | 24 hours |
| American Airlines, AAdvantage | 3:1 | 48 hours |
| Asiana Airlines, Asiana Club | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| British Airways, Avios | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 10- 72 hours |
| Cathay Pacific, Asai Miles | 3:1 / If you transfer 60k points you get a bonus5k points (60k:25k) | 24 hours |
| Copa Airlines, Connect Miles | 3:1 If you transfer 60k points you get a bonus5k points (60k:25k) | 72 hours |
| Delta, SkyMiles | 3:1 | 24 – 48 hours |
| Emirates, Skywards | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 72 hours |
| Etihad Guest | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 72 hours |
| Fronteir Airlines, Miles | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 6 weeks |
| Hainan Airlines, Fortune Wings Club | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| Hawaiian Airlines | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| InterMiles | 3:1 | 7 days |
| Iberia, Iberia Plus | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| Japan Airlines | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 48 hours |
| Korean Air, SkyPass | 3:1 | 24 hours |
| Latam Airlines, Latam Pass | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| Qantas, Frequent Flyer | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 48 hours |
| Qatar Airways, Privilege Club | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 3 – 4 days |
| Saudia Airlines | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 5 days |
| Singapore Airlines, KrisFlyer | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 48 hours |
| Southwest, Rapid Rewards | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| THAI Airways | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 4 days |
| Turkish Airlines, Miles&Smiles | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| United, Mileage Plus | 3:1 / If you transfer 60k points you get a bonus 10k points (60k:30k) | 2 – 5 days |
| Virgin Atlantic, FlyingClub | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 – 48 hours |
| Virigin Australia Velocity | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | 24 hours |
| Vueling Club | 3:1 / If you transfer 60k points you get a bonus 5k points (60k:25k) | N/A |
