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Marriott Bonvoy Business American Express Card

Last updated: September 21, 2021
  • Up to 90,000 Bonvoy points
  • $660 First-year value
Best offer available via a referral link
Signup bonus:
70,000 Bonvoy points upon spending $5,000 in the first three months
5x Bonvoy points on up to $7,500 spent on gas, dining, and travel, up to 15,000 Bonvoy points
Total of 85,000 Bonvoy points
Annual fee:
$150
Earning rate:
5 Bonvoy points per dollar spent at Marriott hotels
3 Bonvoy points per dollar spent on gas, dining, and travel purchases
2 Bonvoy points per dollar spent on all other purchases
Referral bonus:
15,000 Bonvoy points per referral, up to a maximum of 150,000 Bonvoy points per calendar year
Perks & benefits:
15 elite qualifying nights
Anniversary Free Night Award worth up to 35,000 Bonvoy points
Insurance:
Good

Bonuses and Fees

The Marriott Bonvoy Business American Express Card offers up to 85,000 Marriott Bonvoy points as its current signup bonus:

  • Earn 70,000 points upon spending $5,000 in the first three months
  • Earn 5 points per dollar spent on dining, travel, and gas in the first three months, up to 15,000 bonus points

Note that the 5x points includes the base earn rate. Technically, you’ll earn 3 points per dollar spent as per usual for those categories, plus 2 bonus points per dollar spent.

Also, lodging is excluded from the welcome bonus rate on travel, although charges at Marriott properties always earn 5 points per dollar spent anyway.

The card has an annual fee of $150.

Upon meeting the main spending requirement, you’ll have earned at least 70,000 Bonvoy points. To give you an idea of what 70,000 points within the Marriott Bonvoy program can get you:

  • One free night at a Category 8 hotel at the off-peak rate, or a Category 7 hotel at the peak rate (retail cost: $1,000+)
  • Five free nights at a Category 3 hotel at the standard rate (retail cost: $600+)
  • 18 free nights at a Category 1 hotel at the off-peak rate (retail cost: $1,800+)
  • Converting 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 $120 annual fee when signing up for this card.

Finally, supplementary cards are free; as with all American Express 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 up to 90,000 Bonvoy points if you apply using a referral link. Consider supporting Prince of Travel by applying for the card via the link below.