Marriott Bonvoy Business American Express Card

Last updated: April 13, 2021
  • 65,000 Marriott Bonvoy points
  • $525 First-year value
Best offer is available via a referral link
Signup bonus:
65,000 Marriott Bonvoy points upon spending $5,000 in the first three months
Annual fee:
$150, offset by $150 statement credit upon spending $15,000 in the first year
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 worth up to 35,000 Bonvoy points

Bonuses and Fees

The Marriott Bonvoy Business American Express Card offers 65,000 Marriott Bonvoy points as a signup bonus upon spending $5,000 in the first three months, when you sign up through a referral link.

The card has an annual fee of $150, although you can earn a $150 statement credit to offset against the fee if you spend $15,000 on the card in the first year.

Upon meeting the $5,000 minimum spending, you’ll have earned at least 75,000 Bonvoy points (taking into account the 10,000 points earned on your spending). 75,000 points within the Marriott Bonvoy program could be redeemed in the following ways, all of which would outweigh the $150 annual fee:

  • Redeem 70,000 points for a free night at a Category 8 hotel at the off-peak rate (retail cost: $2,000+)
  • Redeem 70,000 Marriott points for two free nights at a Category 5 hotel (retail cost: $600–700)
  • Redeem 70,000 Marriott points for five free nights at a Category 3 hotel (retail cost: $700+)
  • Redeem 70,000 Marriott points for 17 free nights at a Category 1 hotel (retail cost: $1,700+)
  • 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 Bonvoy 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 Bonvoy points per dollar spent on gas, dining, and travel purchases.

Meanwhile, you’ll earn 2 Bonvoy 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 American Express Gold Rewards Card for gas and travel or the American Express 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 an anniversary Free Night Award 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

There’s no minimum income requirement for this card, and no need to be a registered small business owner. You can qualify for an American Express small business card as a sole proprietor, doing business under your own name.

You'll earn the best available signup bonus of 65,000 Bonvoy points if you apply using a referral link. Consider supporting Prince of Travel by applying for the card via our referral link below.

  1. Avatar
    Anamaria Chavez Melo

    Where is the referral link for the Bonvoy Amex application?

  2. Avatar

    Isn’t it important to include “in Canada” to the gas & dining category?

    “3 Bonvoy points per dollar spent on gas, dining, and travel purchases.”

  3. Avatar
    Steven Davidson

    Can you stack the 15 elite qualifying nights for the business Bonvoy Amex with the 15 elite qualifying elite nights for personal Bonvoy Amex for a total of 30 qualifying elite nights per year? Also, is this a Canadian card? Thanks!

    1. Ricky

      Nope, that only works when you hold US-issued personal and business cards. This is a Canadian card.

      1. Avatar
        Steven Davidson

        Thanks! Do you know if it’s possible for Canadians to get approved for the US Amex business card?

        1. Josh

          It absolutely is, but if you don’t have a SSN or ITIN you’ll have to apply by phone.

          1. Avatar
            Steven Davidson

            Thanks! Do you know if the 15 elite qualifying nights from the US business Bonvoy Amex stack with those earned with the 15 from the personal Bonvoy Amex?

            1. Josh

              US business + US personal works, but Canadian cards don’t stack at all.

              1. Avatar

                What if US personal card + Canadian card? Will this get 30 night? Thanks in advance

                1. Ricky


              2. Avatar
                Steven Davidson


  4. Avatar
    Alex H

    This is the best offer so far right?

    1. Ricky


  5. Avatar
    Adam C

    Any idea when this offer is valid until ?


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