American Express Marriott Bonvoy Business Card

Last updated on: October 23, 2020
  • 51,000 Marriott Bonvoy points
  • $150 Annual fee
Best offer is available via a referral link
Signup bonus:
51,000 Marriott Bonvoy points upon meeting minimum spending
Minimum spending:
$3,000 in the first three months
Annual fee:
Earning rate:
5 Marriott points per dollar spent at Marriott hotels
3 Marriott points per dollar spent on gas, dining, and travel purchases
2 Marriott points per dollar spent on all other purchases
Referral bonus:
10,000 Marriott Bonvoy points per referral, up to a maximum of 150,000 Marriott Bonvoy points per calendar year
Perks & benefits:
15 elite qualifying nights
Anniversary free night award

Bonuses and Fees

The American Express Marriott Bonvoy Business Card offers 51,000 Marriott Bonvoy points as a signup bonus upon spending $3,000 in the first three months, when you sign up through a referral link.

The card has an annual fee of $150, which to my knowledge has never been waived. Great Canadian Rebates (GCR) also occasionally offers cash back on this card, but the offers have been extremely inconsistent as of late, so feel free to check their website every now and then to see if there’s an offer at the moment.

Applying through a referral link will earn you 51,000 Bonvoy points, which is 1,000 points higher than the public offer, but comes with a higher spending requirement of $3,000 in the first three months (compared to $1,500 for the public offer).

Of course, if you already held the personal version of this card, then it’d be worthwhile to apply via that card’s referral link, since you’d earn 10,000 Bonvoy points as a referral bonus from that card.

While the $150 annual fee can be unpalatable, the bonus is more than worthwhile. 50,000 points within the Marriott Bonvoy program could be used in the following ways, all of which would outweigh the $150 annual fee:

  • Redeem 50,000 Marriott points for a free night at a Category 6 hotel (retail cost: $500+)

  • Redeem 50,000 Marriott points for two free nights at a Category 4 hotel (retail cost: $400–500)

  • Redeem 50,000 Marriott points for five free nights at a Category 2 hotel (retail cost: $500–600)

  • Redeem 50,000 Marriott points for seven free nights at a Category 1 hotel (retail cost: $500+)

  • Earn 10,000 more points and transfer 60,000 points to any of 40 airline transfer partners, netting 25,000 airline miles, and redeem for flights (retail cost: $500+)

Those are just a few examples that come to mind, and you could also mix and match the options that best suit your needs. The point is, the ultimate value of the Marriott program derives from its flexibility, and as a result of that, it’s almost difficult not to get multiple times’ return on your annual fee when signing up for this card.

Finally, supplementary cards on the Bonvoy Business Card are subject to a fee of $50 per card; as with all Amex cards, you’re allowed up to nine supplementary cards per card account.

Earning Rewards

In terms of the return on everyday spending, you’ll earn 5 Marriott points per dollar spent at all Marriott hotels, including room charges, food and beverages, and incidentals.

One perk of the Bonvoy Business Card that’s not available with the personal version is that you’ll earn 3 Marriott points per dollar spent on gas, dining, and travel purchases. Meanwhile, you’ll earn 2 Marriott points per dollar spent on all other purchases.

While the old SPG cards used to be one of the most powerful cards in Canada for daily spending, nowadays the value proposition has decreased.

I’d only ever consider using the Bonvoy Business Card on the 3x category of gas, dining, and travel, and even then, there are better cards out there if you truly wanted to optimize (such as the Gold Rewards Card for gas and travel or the Cobalt Card for dining).

Perks & Benefits

The Amex Bonvoy cards also offer unique benefits to make your stays at Marriott hotels more memorable. Cardholders are rewarded with 15 elite qualifying nights within the program, which gives you instant Silver Elite status and can go a long way towards helping you qualify for higher status tiers.

On top of that, cardholders can also enjoy a free night certificate worth up to 35,000 points on each card anniversary date, which, if redeemed wisely, can easily outweigh the $150 annual fee.

Insurance Coverage

The Amex Marriott Bonvoy Business Card offers practically identical insurance benefits to the personal version. Highlights include:

  • Travel accident insurance, up to $500,000, for you, your spouse, and any dependent children under 23

  • Flight delay insurance, up to $500, for hotel and restaurant expenses and other sundry items in the event of a flight delay

  • Hotel/Motel Burglary Insurance, up to $500, against the loss of personal items if your hotel or motel room is burglarized

In addition, as a card geared towards small business owners, this card also offers coverage of up to $10,000 in case of permanent, total disability to you as a sole proprietor as the result of an accidental injury. Hopefully you’ll never have to make that particular claim!

Apply Now

The American Express Marriott Bonvoy Business Card is quite easy to get approved for, with no minimum income requirements. As with the other business credit cards, anyone can apply, not just registered small business owners.

You can apply via the referral link below in order to earn the maximum signup bonus of 51,000 Bonvoy points for $3,000 in minimum spending.


You also have the option of applying via the public offer, which only gives you 50,000 Bonvoy points, but with a lower minimum spending requirement of $1,500 in the first three months (and as mentioned above, you could also check the Great Canadian Rebates website to see if they have any cash back offers at the moment).


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