American Express· co-branded with Marriott Bonvoy
Marriott Bonvoy Business American Express Card
Annual fee
$125
Welcome bonus
150,000 Marriott Bonvoy points
Foreign txn fee
0%
(Direct link to issuer does not currently earn a commission on this card.)
Good to know before you apply
- The 150,000-point welcome bonus (after $8,000 in 6 months) is the headline, but don't sleep on the $125 statement credit that comes with it - that effectively makes the first year free, since the annual fee is $125.
- Gold Elite is included automatically, and the 15 Elite Night Credits each calendar year stack on top - you're already 30% of the way to Platinum (50 nights) before you set foot in a lobby.
- The 4x categories are genuinely business-friendly (dining, gas, wireless, shipping) - no grocery or transit quirks to navigate, just the kind of spending that shows up on a real business P&L.
- The annual free night is capped at 35,000 points - that's a notch below the Bevy's 50K cap, so the sweet spot is solid mid-tier Marriotts, and yes, certain hotels will still charge resort fees on top of a "free" night.
- NO foreign transaction fees, and the card carries baggage insurance, purchase protection, and car rental coverage - the protections are real, though car rental coverage is secondary by default (primary is available as a separate paid add-on).
- Bonvoy points transfer to dozens of airline programs at mostly 3:1 (Bonvoy to miles) - that ratio is genuinely unflattering, so treat airline transfers as a break-glass option, not a points strategy.
- $125/year is one of the easier annual fees to justify in the hotel cobrand space - the free night alone does most of the work if you're staying at Marriotts anyway, and the employee cards (up to 99, no additional fee) are a quiet win for business owners with a team.
- Spend $60,000 in a calendar year to earn a SECOND Free Night Award - two free nights a year if your business spend is heavy, on top of the anniversary night.
The Marriott Bonvoy Business Amex is a solid mid-tier hotel card for frequent Marriott travelers — a $125 annual fee gets you complimentary Gold Elite status, an annual free night (up to 35K points), 6x at Marriott properties, and a juicy limited-time 150K-point + $125 statement credit welcome offer. It won't wow road warriors chasing suite upgrades, but for SMB owners who live at Marriotts, the math checks out.
Welcome bonus
What you get for signing up and hitting the minimum spend.
150,000 Marriott Bonvoy points · $8,000 spend in 6mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
150,000 Marriott Bonvoy points · $8,000 spend in 6mo
150,000 Marriott Bonvoy points after spending $8,000 in the first 6 months.
$125 statement credit after $8,000 in purchases within first 6 months. Offer ends 7/15/26.
Earn rates
How many points per dollar across categories.
6 categories · top rate 6x
See the multipliers →
Earn rates
How many points per dollar across categories.
6 categories · top rate 6x
Card-level multipliers. Earn currency: Marriott Bonvoy.
| Category | Rate | Notes |
|---|---|---|
| Marriott | 6x | 6x on eligible purchases at hotels participating in Marriott Bonvoy. Card's contribution only; combined total up to 18.5x including 10x base Bonvoy member points + 2.5x Gold Elite bonus. |
| Dining | 4x | 4x at restaurants worldwide |
| Gas stations | 4x | 4x at U.S. gas stations |
| Internet, phone & TV | 4x | 4x on wireless telephone services purchased directly from U.S. service providers |
| Shipping | 4x | 4x on U.S. purchases for shipping |
| All other purchases | 2x | 2x on all other eligible purchases |
Transfer partners
Where you can move your Marriott Bonvoy to airline + hotel programs.
38 partners
Meet the partners →
Transfer partners
Where you can move your Marriott Bonvoy to airline + hotel programs.
38 partners
Points earned with this card transfer to 38 partner programs via Marriott Bonvoy.
| To | Ratio | Notes |
|---|---|---|
| American AAdvantage | 3:1 | Flat 3:1 - excluded from the 5,000-mile transfer bonus. |
| Aegean Miles+Bonus | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Aer Lingus AerClub | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Aeromexico Rewards | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Air Canada Aeroplan | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Air China PhoenixMiles | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Flying Blue | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Air New Zealand Koru | 200:1 | Airpoints are dollar-denominated; transfers at 200:1, not a standard mile ratio. |
| ANA Mileage Club | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Asiana Club | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Atmos Rewards | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Miles & More | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Avianca LifeMiles | 3:1 | Flat 3:1 - excluded from the 5,000-mile transfer bonus. |
| Avios | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Cathay Pacific Asia Miles | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| China Southern Sky Pearl Club | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Copa ConnectMiles | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Delta SkyMiles | 3:1 | Flat 3:1 - excluded from the 5,000-mile transfer bonus. |
| Emirates Skywards | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Ethiopian ShebaMiles | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Etihad Guest | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Frontier Miles | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Hainan Airlines | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Club Iberia Plus | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Japan Airlines Mileage Bank | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Singapore KrisFlyer | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| LATAM Pass | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Qantas Frequent Flyer | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Qatar Privilege Club | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Saudia Alfursan | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Southwest Rapid Rewards | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| TAP Miles&Go | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Thai Royal Orchid Plus | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Turkish Miles&Smiles | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| United MileagePlus | 3:1 | Base 3:1 with an enhanced 10,000-mile bonus per 60,000 points transferred. |
| Virgin Atlantic Flying Club | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Velocity Frequent Flyer | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Vueling Club | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
American Express Experiences
Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Marriott Bonvoy Moments
Marriott's auction + fixed-price experiences portal --- culinary, sports, concerts, travel packages. Open to anyone earning Marriott Bonvoy points (most cobrand cards qualify).
🔒 Access this perk through your cardmember account at the issuer's website or app.
Free nights
Annual free night certificates and similar.
1 benefit
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Free nights
Annual free night certificates and similar.
1 benefit
Annual Free Night Award
Receive 1 Free Night Award every year after your Card renewal month. Usable for one night at redemption level up to 35,000 Marriott Bonvoy points at participating hotels. Certain hotels have resort fees.
Status
Hotel / airline / partner status this card grants.
1 benefit
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Status
Hotel / airline / partner status this card grants.
1 benefit
Complimentary Marriott Bonvoy Gold Elite Status
Receive complimentary Gold Elite status which includes priority late checkout (until 2 p.m., subject to availability), upgrades to enhanced rooms upon check-in when available, and 25% more points on every eligible hotel purchase. Must book with a Qualifying Rate at participating Marriott Bonvoy hotels.
Status accelerators
Perks that unlock at spending milestones.
1 benefit
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Status accelerators
Perks that unlock at spending milestones.
1 benefit
Additional Free Night Award After $60K Spend
Earn an additional Free Night Award after spending $60,000 in purchases on your Card in a calendar year. Usable for one night at redemption level at or under 35,000 Marriott Bonvoy points at participating hotels. Certain hotels have resort fees.
Unlocks at $60,000 spend
Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
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Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
American Express Venue Collection – 10% Back on Concessions
Enjoy an enhanced experience at select stadiums and arenas with dedicated entrances or fast lanes. Enroll your Card to get 10% back on qualifying concessions purchases up to $250 per calendar year. Limit one enrolled Card per Card Member.
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
Baggage Insurance Plan
Coverage for lost, damaged, or stolen baggage when you purchase the entire fare for a scheduled transit (plane, train, ship, or bus) ticket on an Eligible Card. Up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the scheduled transit (plane, train, ship, or bus). NY residents: $10,000 aggregate maximum per Covered Trip.
Car Rental Loss and Damage Insurance
Theft and collision damage coverage on rental cars when the full rental is charged to this card. Secondary coverage by default; primary coverage available via the optional paid Premium Car Rental Protection enrollment. Not available for vehicles rented in Australia, Italy, or New Zealand. Does not include liability coverage.
Premium Car Rental Protection (Primary Coverage)
When enrolled, provides primary coverage for theft of or damage to a rental vehicle, plus excess medical coverage if injured in an accident. Fees, coverage limits, and coverage areas apply. Does not include liability coverage. Enrollment required.
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
2 benefits
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
2 benefits
Extended Warranty
Extends the terms of the Original Manufacturer's Warranty up to one additional year. Applies to warranties of 5 years or less on eligible purchases in the United States or its territories or possessions.
Purchase Protection
Covers eligible purchases for up to 90 days from the purchase date if stolen or accidentally damaged. Coverage limited to $1,000 per eligible purchase, up to $50,000 per Card Member account per calendar year.
Other
Other perks on this card.
14 benefits
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Other
Other perks on this card.
14 benefits
15 Elite Night Credits
Each calendar year, receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Marriott Bonvoy Room Rate Discount (7%)
Receive a 7% discount on eligible bookings at hotels participating in Marriott Bonvoy when you book directly through an eligible Marriott channel under the Amex Business Card Rate, as a benefit of being both a Marriott Bonvoy member and a Marriott Bonvoy Business Amex Card Member.
Premium On-Property Internet Access
Receive complimentary in-room, premium Internet access while staying at participating Marriott Bonvoy hotels. Booking requirements apply.
Global Assist® Hotline
Available 24/7 when traveling more than 100 miles from home. Services include medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for costs charged by third-party service providers.
Employee Cards (up to 99, no annual fee)
Add up to 99 Employee Cards with no annual fee. Earn Marriott Bonvoy points on employee eligible purchases, track employee spending with alerts and summary reports, and set spending limits.
Amex Offers
Turn everyday business expenses into extra rewards or statement credits with targeted Amex Offers for Business. Add offers via the Amex app or americanexpress.com, then make qualifying purchases.
Amex Special Ticket Access (Presale & Reserved Tickets)
Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select events across sports, music, and more. Additional perks available at select events.
Transfer Marriott Bonvoy Points to Airline Programs
Transfer Marriott Bonvoy points to dozens of airline frequent flyer programs, mostly at a ratio of 3 points to 1 mile.
Air+Car Transfer Program
Air+Car allows members to redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners around the world.
Redeem Marriott Bonvoy Points for Free Nights
Redeem Marriott Bonvoy points for free nights at over 7,000 hotels participating in Marriott Bonvoy. Some hotels and resorts may have mandatory service charges.
Vendor Pay by BILL
Digitizes accounts payable process. Manage payables from one centralized platform, track and batch multiple payments, automatically update paid invoice status in compatible accounting systems, and send secure encrypted payment authorization emails to vendors. Enrollment required; fees may apply.
Connect to QuickBooks
Streamline expenses by sending transactions from the Marriott Bonvoy Business Amex Card directly to Intuit QuickBooks. Enrollment required.
Shop Small (American Express Maps)
Use American Express Maps to find places where you can use your Card to Shop Small.
Relationship Care® Service
American Express Business Card Members have access to Relationship Care customer service.