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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.

welcome offer

Earn 5 Free Night Awards (up to 50k points value per night) after spending $8,000 within the first 6 months (terms apply). Expires 7/10/24. See rates and fees

Bonus Value

Approximately $1750

Annual Fee

Card Rewards

6 points at participating Marriott Bonvoy(R) hotels

4 points at restaurants worldwide, U.S. 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.

Author - Sam Updated: May 23, 2024 | Credit Card Review
Card Overview

The Marriott Bonvoy Business American Express Card (American Express is a HelpMeBuildCredit advertiser) gets you 6 point at Marriott hotels and 4 points at restaurants worldwide, U.S. gas stations, and wireless telephone services purchased from U.S. providers and U.S. Shipping. 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. 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)

100% Approved
730 Avg. Score of those approved
0% Denied
Approved 100% (6)
Denied 0% (0)

Credit limit range $3,000-$24,100

Avg. Credit limit$13,683

Approved 100% (6)
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.

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

Welcome Offer Eligibility
Current cardmember rule: All cards listed on the terms are cards that are not possible to have.  90 day rule: You can't earn the welcome offer on the card_name if you were approved for any of the following cards within 90 days (even if you did not earn a welcome offer): 24 month rule: You’re not eligible to earn a welcome offer on the card_name If you earned a welcome offer on one of the following cards within the past 24 months: Lifetime rule: If you have ever earned a welcome offer on the card_name or on SPG Business card you can never earn the welcome offer again.  Key takeaways: To sum this all up. You cannot earn a welcome offer on the card_name if you currently have or have earned a welcome offer on any other Chase Marriott card within the past 24 months. You are also not eligible if you have earned a welcome offer in the past on the card_name or the former SPG version of the card. 
Card Details And Benefits
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.

Credits

Receive a 7% discount off regular guest rooms rates.

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.

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).

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.

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.

Upgraded Statuses

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.

How can the points be used?

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
Transfer to airline programs:

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

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.

Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Card Members are responsible for the costs charged by third-party service providers.

Premium Global Assist Hotline

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Cell Phone Protection

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Purchase Protection

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For rates and fees for the Marriott Bonvoy Business® American Express® Card please check out this link

See rates and fees
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