This is the business version of Amex's Marriott card, and it earns more than the personal one on everyday spend: 3x on gas, dining and travel and 2x on everything else, against the personal card's 2x base. For $150 a year you also get an annual free night at properties up to 35,000 points, 15 Elite Night Credits and a path to Gold Elite at $30,000 in spend.
I'd point a business owner here if the company already stays at Marriott hotels or the owner collects Bonvoy points. The free night alone can cover the fee from year two. What I'd keep in mind is that Bonvoy points are a hotel currency: there is no Membership Rewards flexibility, and the card's travel insurance has no medical or trip cancellation cover.
Welcome offer
The Marriott Bonvoy Business card is advertising up to 80,000 Marriott Bonvoy points, the same in two separate sessions on the Amex page on October 13, 2026. The first 70,000 points come after $5,000 in net purchases in your first 3 months. The other 10,000 points need $1,000 in purchases charged during month 13, which means keeping the card and paying the second-year fee.
Current or former Marriott Bonvoy Business Cardmembers may be approved but are not eligible. Holding the personal Marriott Bonvoy American Express Card does not appear in the exclusion, which names only this card. No end date is published, so confirm the current terms on the issuer's page before applying.
$5,000 in 3 months is about $1,700 a month, which most businesses reach with regular bills alone. The month-13 tier is small, so the real question is whether you will keep the card into year two, when the annual free night arrives and offsets most of the fee.
Fees & eligibility
The card costs $150 a year, with no first-year waiver. Supplementary cards are $50 each a year, up to 99 on the account, and supplementary applicants must be the age of majority. Employee spend earns Bonvoy points into the basic cardholder's account.
This is a credit card, not a charge card: purchases and funds advances carry 21.99%, rising to 25.99% and/or 29.99% after missed payments. Amex prints no minimum income and no foreign transaction fee on the product page, so confirm both before applying, and clear the balance each month for the points to be worth it.
Earning rewards
Purchases charged directly with participating Marriott Bonvoy hotels, Marriott retail and Marriott online stores earn 5 points per dollar. Gas at stand-alone stations in Canada, dining in Canada and travel (air, rail, water and road transport and lodging) earn 3 points per dollar.
Everything else earns 2 points per dollar, so software, suppliers and advertising still earn at a decent clip. That is the main difference from the personal Marriott Bonvoy American Express Card, which earns 5x at Marriott and 2x on everything else with no 3x tier. No cap on any category is printed.
Redeeming rewards
Marriott Bonvoy points are a hotel currency. The best use is free nights, with no blackout dates, at over 6,700 hotels across 29 brands, from Aloft and Four Points to St. Regis and The Luxury Collection. Award prices vary by property and date, so the value of a point depends on where and when you stay.
Points can also go to airline partners, with ratios that vary by airline and a 5,000-mile bonus for every 60,000 points moved in one transfer to airlines that convert at 3 points to 1 mile. That makes Bonvoy a useful top-up for an airline balance, but transfers are rarely the best use of points earned at 2x. Marriott Bonvoy Moments experiences are another option.
Perks & benefits
The anchor perk is the Annual Free Night Award, issued 8 to 10 weeks after each card anniversary, for a standard room at properties costing up to 35,000 points a night (room rate and taxes, not resort fees); you have a year to use it. On top of that, the basic cardholder receives 15 Elite Night Credits each calendar year, the first deposit about 8 weeks after approval.
Gold Elite status comes after $30,000 in net purchases before the annual reset date, or after 10 qualifying paid nights in a calendar year combined with the card's 15 credits. Elite Night Credits are capped at 15 a year across all Marriott Bonvoy consumer and small business cards, so holding both the personal and business cards does not double them. The business extra is Employee Card Misuse Protection of up to $100,000; there is no lounge access.
Insurance
The insurance is thin and contains no emergency travel medical, trip cancellation or trip interruption coverage. What it covers: flight delay of 4 hours or more and baggage delay of 6 hours share a $500 limit, lost baggage and hotel burglary pay up to $500 each, and common carrier travel accident pays up to $500,000.
Rental cars with an MSRP up to $85,000 are covered for theft and damage for up to 48 days with no deductible, which is the most useful piece for business travel. Purchases are protected for 90 days up to $1,000 per occurrence, and warranties are extended by up to a year.
My take
I'd get this card if the business stays at Marriott hotels a few times a year; if you want flexible points or real travel insurance, I'd skip it.
For $150 the maths is friendly. The free night from year two can be worth more than the fee, the 15 Elite Night Credits move you toward status, and 2x on everything is a respectable base for business spend that does not fit a category. If you already hold the personal Marriott card, the business one earns more on gas, dining, travel and everyday spend, though the Elite Night Credits do not stack.
The limits are clear too. Bonvoy points only really shine on hotel nights, supplementary cards cost $50 each, and the insurance has nothing for medical emergencies or cancelled trips. I would pair it with a card that carries proper travel coverage.
The good
- Annual free night up to 35,000 points from year two
- 3x on gas, dining and travel, 2x on everything else
- 15 Elite Night Credits and a $30,000 path to Gold
The catch
- No travel medical or trip cancellation insurance
- Supplementary cards cost $50 each
- Points are mainly useful for Marriott stays