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American Express

Marriott Bonvoy Business Card

Marriott Bonvoy Business Card card art

Estimated value every year on typical spending

$563/ year

Every year, after the annual fee. Year one adds a $700 welcome bonus: $1,263

+$538rewards+$150credits & perks−$125annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Credits & perks, at estimated real use: Free Night Award $150 · Elite Night Credits (not counted)

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit American Express

Is it worth it?

On typical spending the American Express Marriott Bonvoy Business Card returns about $688 a year in rewards and usable credits, which covers its $125 fee with $563 to spare. The welcome bonus adds roughly $700 in the first year.

The fine print

Intro APR
Not listed
Regular APR
19.74% to 28.74% variable
Foreign fee
None
Top perk
1 Free Night Award every year after your Card renewal month
Approval
Good credit recommended
Redeem for
Airline/hotel bookings · Loyalty program transfers · Gift cards

Rewards

  • 6X points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy
  • 4X points at restaurants and U.S. gas stations
  • 2X points on other purchases

Sign-up bonus

100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership.

Best for

  • Business spending
  • Travelers who redeem points

Not ideal for

  • People who want plain cash back

Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.

Worth knowing

Annual fee
$125
Intro APR
Not listed
Regular APR
19.74% to 28.74% variable
  • $400/mo on dining earns about $134/year (2.8x).
  • $1200/mo on everyday spending earns about $202/year (1.4x).
  • The $125 fee pays for itself at about $580/mo on dining.
  • You come out ahead of a no-fee 1% card after about $6900/year of dining spending.

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Marriott Bonvoy Business Card: questions people ask

Is the American Express Marriott Bonvoy Business Card worth it?

On typical spending the American Express Marriott Bonvoy Business Card returns about $688 a year in rewards and usable credits, which covers its $125 fee with $563 to spare. The welcome bonus adds roughly $700 in the first year.

What is the American Express Marriott Bonvoy Business Card annual fee?

The American Express Marriott Bonvoy Business Card has a $125 annual fee. On typical spending its rewards and usable credits come to about $688 a year, so it nets about $563 after the fee.

What is the American Express Marriott Bonvoy Business Card welcome bonus?

Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. We value it at about $700. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the American Express Marriott Bonvoy Business Card earn?

6X points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. 4X points at restaurants and U.S. gas stations. 2X points on other purchases.

What credit score do you need for the American Express Marriott Bonvoy Business Card?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the American Express Marriott Bonvoy Business Card charge foreign transaction fees?

No. The American Express Marriott Bonvoy Business Card has no foreign transaction fee.

Compare Marriott Bonvoy Business Card

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.