Marriott Bonvoy Business American Express Card

Last updated: November 8, 2021
  • Up to 90,000 Bonvoy points
  • $660 First-year value
Best offer available via a referral link
Signup bonus:
75,000 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 90,000 Bonvoy points
Annual fee:
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
First referral before October 27, 2021 triggers 3x bonus points for all purchases between November 25, 2021 and February 28, 2022, up to 30,000 bonus points
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 up to 90,000 Marriott Bonvoy points as its current signup bonus:

  • Earn 75,000 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.

You can refer friends and family from the Marriott Bonvoy Card to the same card or the Marriott Bonvoy Business Card, earning a referral bonus of 10,000 Aeroplan points each time, up to a maximum of 150,000 Marriott Bonvoy points in a calendar year.

As a limited time offer, the first referral you make before October 27, 2021 will trigger a 3x bonus points offer for all your purchases between November 25, 2021 and February 28, 2022, up to 30,000 bonus points.

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!

Historical Offers

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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.

  1. George I

    Does Grocery Stores qualify for 3X the points promotion as well the first 3 months for Buisness Amex for Canadian card ???

  2. Jeff_IOM TOR

    Two ‘anniversary Free night awards’?

    Okay i’ve got the CND personal Bonvoy card. I have a business and if I apply, get and do the min. spend will I also get the free night award (worth 35,000points and in addition to the one I already get with my personal Bonvoy card)?

    I realize the elite nights are not stackable but i’m wondering about the free night award.

    1. Ricky YVR

      Yes, you will.

  3. Mark

    Does applying through GCR affect any of the promo?

    1. Ricky YVR

      Should be the same offer.

  4. Anamaria Chavez Melo

    Where is the referral link for the Bonvoy Amex application?

  5. Chief

    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.”

  6. 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 YVR

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

      1. Steven Davidson

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

        1. Josh YVR

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

          1. 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 YVR

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

              1. Alex

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

                1. Ricky YVR


              2. Steven Davidson


  7. Alex H

    This is the best offer so far right?

    1. Ricky YVR


  8. Adam C

    Any idea when this offer is valid until ?

Ricky Zhang

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