American Express
Marriott Bonvoy Business Benefits, Credits & Annual Fee
$125 / yr · Earns Marriott Bonvoy
A business card for small-business owners who stay at Marriott properties. It earns Marriott Bonvoy points on hotels and common business expenses, includes automatic Gold Elite status, 15 elite night credits, and an annual free night award - all for a $125 annual fee.
- 6xHotels
- 4xRestaurants +3
- 2xEverything Else
- StatusMarriott Bonvoy Gold
- $250Venue Collection
$250/yr in credits · $125 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 12, 2026
Marriott Bonvoy Business at a Glance: $125 Annual Fee, Issuer and Rewards
- Annual fee:
- $125 / yr
- Issuer:
- American Express
- Rewards:
- Marriott Bonvoy
- Credits:
- 1 recurring, up to $250 a year
Marriott Bonvoy Business Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Hotels | 6x | |
| Dining | 4x | |
| Gas | 4x | |
| Phone & internet | 4x | |
| Everything else | 2x |
Who Should Get the Marriott Bonvoy Business?
The Marriott Bonvoy Business fits people who spend most on hotels (6x) and dining (4x). Its $125 annual fee makes sense if the $250 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway. It is a business card.
Is the Marriott Bonvoy Business Worth the $125 Annual Fee?
The Marriott Bonvoy Business costs $125 a year. Creddy lists 1 trackable credit worth up to $250 a year if you use it, $125 more than the fee. You break even once you use about 50% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Marriott Bonvoy Business Welcome Bonus
100,000 Marriott Bonvoy bonus points plus one Free Night Award worth up to 50,000 points
Offer history
- Sep 10100,000 Marriott Bonvoy bonus points plus one Free Night Award worth up to 50,000 points
- Sep 7Up to 125,000 Marriott Bonvoy points: 75,000 plus 50,000
- Jul 16125,000 bonus points
Tracked since Feb 2025
Marriott Bonvoy Business Statement Credits and When They Reset
- American Express Venue Collection Concessions Statement Credit$250 / yrTrackableEnrollment required
Get 10% back as a statement credit on food and beverage concessions purchases at stadiums and arenas in the American Express Venue Collection. Enroll your card, then use it at participating venues to earn the credit automatically. Capped at $250 back per calendar year, with a limit of one enrolled card per cardholder.
Resets: Calendar yearChecked Oct 9, 2026
Marriott Bonvoy Business Travel Benefits
Travel Benefits
- Air+Car Transfer Program
Use Marriott Bonvoy points toward flights and car rentals through the Air+Car program. Redeem points with participating travel partners when booking eligible air or car travel. Partner and redemption options vary.
Checked Sep 28, 2026 - Airline Miles Transfer Bonus
Get 5,000 bonus airline miles for every 60,000 Marriott Bonvoy points you transfer to airline miles. Transfer points through Marriott Bonvoy to a participating airline loyalty program. The bonus is calculated in 60,000-point transfer increments.
Checked Sep 28, 2026 - Annual Free Night AwardTrackable
Receive 1 Free Night Award every year after your Card renewal month. Awards can be used for one night at hotels participating in Marriott Bonvoy at or under the stated redemption level. Keep the separate $60,000 calendar-year spend Free Night Award as its own benefit.
Resets: Card anniversaryChecked Sep 15, 2026 - Lowest Hotel Rates Guarantee
Get the price difference refunded if you find a lower qualifying online rate after booking a hotel through Amex Travel's website or app. Submit a claim for the same room, dates, guests, rate type, and booking policies. Rates are compared before taxes and fees.
Checked Sep 28, 2026 - Second Annual Free Night Award (Spend-Based)TrackableMin spend $60,000
Earn an additional Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be used for one night at hotels participating in Marriott Bonvoy with a redemption level at or under 35,000 Marriott Bonvoy points. Certain hotels have resort fees.
Resets: Calendar yearChecked Sep 13, 2026 - Marriott Bonvoy Room Rate Discount7% / yr
Receive a 7% discount on eligible bookings at hotels participating in Marriott Bonvoy when you book directly through an eligible Marriott channel under the Amex Business Card Rate.
Checked Sep 14, 2026
Hotel Status
- Marriott Bonvoy Gold Elite Status
Earn 25% more Marriott Bonvoy points on eligible hotel spending as a Gold Elite member. Add your Marriott Bonvoy number to eligible stays at participating hotels to earn the status bonus. The bonus applies to qualifying spending incurred and paid by you.
Checked Sep 28, 2026 - Elite Night Credits
Each calendar year, you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy Elite status with your Marriott Bonvoy Business American Express Card. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Checked Sep 12, 2026 - Premium On-Property Internet Access
Receive free in-room, premium Internet access while staying at participating Marriott Bonvoy hotels. Booking requirements apply.
Checked Sep 12, 2026
Rental Car
- Car Rental Loss and Damage Insurance
Get secondary coverage for theft or damage to a rental vehicle when you reserve and pay for the entire rental with your card and decline the rental company's collision damage waiver. Liability is not covered, and coverage excludes rentals in Australia, Italy, and New Zealand; other vehicle and rental exclusions apply.
Checked Sep 28, 2026
Travel Insurance
- Baggage Insurance Plan
Get coverage for lost, damaged, or stolen baggage when you pay the entire fare for a plane, train, ship, or bus ticket with your card. Coverage is up to $1,250 for carry-on and $500 for checked baggage, beyond carrier coverage; New York residents have a $10,000 aggregate trip limit.
Checked Sep 28, 2026
More Marriott Bonvoy Business Card Benefits
Bonus Earnings
- 6x Points on Marriott Bonvoy Hotels6x points
Earn 6 Marriott Bonvoy points per dollar on eligible charges at hotels participating in Marriott Bonvoy.
Checked Sep 14, 2026 - Up to 18.5X Points at Participating Marriott Bonvoy Properties
Earn up to 18.5X Marriott Bonvoy points per $1 on eligible purchases at participating Marriott Bonvoy hotels. The total combines Card earning, Bonvoy member earning, and the Gold Elite bonus. Pay with your Card at checkout.
Checked Oct 9, 2026 - 4x Points on Restaurants, Gas Stations, Wireless, and Shipping4x points
Earn 4 Marriott Bonvoy points per dollar at restaurants worldwide, U.S. gas stations, U.S. wireless phone service providers, and U.S. shipping purchases.
Checked Sep 30, 2026 - 2x Points on All Other Eligible Purchases2x points
Earn 2 Marriott Bonvoy points per dollar on other eligible purchases.
Checked Sep 14, 2026
Purchase Protection
- Purchase Protection
Get coverage if an eligible item bought with your card is stolen or accidentally damaged within 90 days of purchase. Coverage is limited to $1,000 per purchase and $50,000 per cardholder account per calendar year.
Checked Oct 9, 2026 - Extended Warranty
Adds up to one extra year to the original manufacturer's warranty on eligible items you buy with your Card. It applies to warranties of 5 years or less on Covered Purchases in the U.S. or its territories and possessions.
Checked Oct 9, 2026
Concierge & Membership
- Global Assist Hotline
Get 24/7 help coordinating travel emergencies through the Global Assist Hotline. Call for medical or legal referrals, emergency cash wires, or help with missing luggage. The hotline is available when you travel more than 100 miles from home.
Checked Oct 12, 2026
Entertainment
- American Express Venue Collection
Get access to cardholder benefits at stadiums and arenas in the American Express Venue Collection. Check participating venues and event-specific benefits, then bring your U.S.-issued American Express Card to use available perks. Benefits apply only at select events and venues.
Checked Sep 28, 2026 - Amex Presale Tickets
Get a chance to buy select event tickets before the general public sale. Use your American Express Card to access an Amex Presale during its stated purchase window. Only select events and seats are included.
Checked Sep 28, 2026 - Amex Reserved Tickets
Get access to purchase seats set aside for American Express Card Members at select events. Look for Amex Reserved Tickets during the specified sales period and use your card to buy them. Availability is limited to select events and seats.
Checked Sep 28, 2026 - Marriott Bonvoy Moments
Use Marriott Bonvoy points for experiences through Marriott Bonvoy Moments, such as concerts and sporting events. Browse available experiences and redeem or bid with points through the program. Events and availability vary.
Checked Sep 28, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
No foreign transaction fees from American Express when using the Marriott Bonvoy Business Card on purchases abroad.
Checked Sep 12, 2026
Marriott Bonvoy Business vs Other American Express Cards
- Delta SkyMiles Gold Business$150 / yr (waived year 1)
- Amex Business Green$95 / yr
- Hilton Honors Business$195 / yr
- Amex Blue Business CashNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Marriott Bonvoy Business FAQs
Is the Marriott Bonvoy Business Card worth the annual fee?
Compare Marriott Bonvoy Business's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Marriott Bonvoy Business Card?
Creddy's September 26, 2026 catalog lists Annual Free Night Award, Second Annual Free Night Award (Spend-Based) for Marriott Bonvoy Business. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with American Express. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Marriott Bonvoy Business Card?
Creddy's catalog lists a $125 annual fee for Marriott Bonvoy Business as checked on September 26, 2026. Confirm current pricing and any additional-card fees with American Express before applying or renewing.
Does the Marriott Bonvoy Business Card come with a welcome bonus?
Welcome offers for Marriott Bonvoy Business can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Marriott Bonvoy Business Card?
Marriott Bonvoy Business may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Marriott Bonvoy Business Card compare to other American Express cards?
Compare Marriott Bonvoy Business with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.