Marriott Bonvoy Business™ American Express® Card Review

By: Heather Hanks Jul. 09, 2019

The Marriott Bonvoy Business™ American Express® Card gives you five times the rewards for eats and drinks. This is a huge selling factor for many people! You’ll also get a welcome bonus of 50,000 points and access to special events exclusive to cardholders only. The Marriott Bonvoy Business™ American Express® Credit Card works by allowing you to earn points for your purchases. Then you can cash these points in for business expenses. It’s the card that every business owner needs.

You’ll also gain access to American Express’ excellent customer service. You’ll like that there is no annual fee for additional cards so that you can distribute to employees. Plus, the Marriott Bonvoy Business™ American Express® Card comes with an excellent insurance policy to make sure you’re covered no matter what. Check out our Marriott Bonvoy Business™ American Express® Card Review here.

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Overall Rating

What is the Marriott Bonvoy Business™ American Express® Card?

The Marriott Bonvoy Business ™ Card From American Express ® Card is another great business card option for business owners. It rewards you for things you already buy, such as food and drinks. Plus, you’ll automatically become eligible for upgrades just by signing up, including an annual free night award and complimentary Marriott Bonvoy Silver Elite status.

It works by allowing you to earn points on purchases that you make on the Marriott Bonvoy Amex Business Credit Card. You can also earn points just by referring a friend.

Here are some of the perks that you get when you sign up for a Marriott Bonvoy Business™ Card:

  • Welcome bonus offer of 50,000 when you spend $1,500 on your card within the first three months of membership
  • Receive a free night award on your card membership anniversary each year
  • Instantly upgrade your status to a Marriott Bonvoy membership when you make $30,000 in purchases on your card in one year
  • Get access to 15 Elite night credits each year with your card that can be used to achieve the next level of elite status within the Marriott Bonvoy Program
  • Earn as many as 10,000 bonus points each time you refer a friend

The Marriott Bonvoy Business™ Amex Card is a great time to use if you are a small business owner who travels a lot. There is a $150 annual fee due each year. Additional cards have no annual fee. This makes it the perfect card to distribute to trusted employees. Annual interest rates range from 19.99% on card purchases to 22.99% on funds advances. The Marriott Bonvoy Amex Business Card comes with a welcome bonus of 50,000 points, which is enough to earn you a free three night stay at a category 2 hotel. Our Marriott Bonvoy Amex Business Credit Card Review also includes a breakdown of the additional rewards and travel coverage you’ll get. We’ll talk about this in the next section.

How Does Marriott Bonvoy Business™ American Express® Card Work?

The Marriott Bonvoy Credit Card Business Card works by allowing you to collect points every time you make a purchase. You will earn five points for every dollar you spend on eligible purchases at participating Marriott Bonvoy properties. Plus, you'll get two points for every dollar you spend on all other card purchases.

As a Bonvoy Marriott Business Credit Card holder, you'll be able to redeem your points for free nights that include no blackout dates at over 7,000 hotels across the world. You can also transfer your points to frequent flyer miles on a wide variety of airlines. Finally, you'll get a 15,000 point bonus when you transfer $60,000 of your points to a frequent flyer program.

With the Marriott Bonvoy American Express Business Card, you’ll earn points every time you use it. You’ll earn five times the points on eligible eats and drinks up to $30,000 annually. If you’re a small business owner, then you know that eating out is unavoidable. Using your card for dining purchases is an excellent way to earn points that can be redeemed for further travel expenses.

What you'll get with Marriott Bonvoy Business™ American Express® Card?

One of the most impressive things about the Marriott Bonvoy Business Amex card is its travel coverage. You’re always covered when you use your card for purchases, no matter what it is. Our Marriott Bonvoy Amex Business Card Review includes a breakdown of the travel rewards you’ll get with your card.

Here are some of the travel perks you’ll get when you use your card:

Travel emergency assistance

A total of $500,000 in travel accident insurance

Insurance for car rental theft and damage

Insurance for flight delays

Baggage delay insurance

Stolen and lost baggage insurance

Insurance for hotel or motel burglary

With the American Express ® travel emergency service, you’ll get out of town emergency legal and medical referrals by phone anytime of day or night. You’ll also be covered for up to $500,000 in accidental death and dismemberment insurance policies. This covers you if something happens to you, your spouse, or your dependent children under the age of 23 if you get injured while traveling. Keep in mind that you must charge your tickets to your Amex Marriott Bonvoy Business card to gain this benefit.

You aren't the only thing that's covered under your insurance policy. Your hotels, baggage, and flight are covered as well. Under your policy, you'll be covered for theft or damage of your rental car up to $85,000. To redeem this offer, you must decline the loss damage waiver or LDW offered by the car rental company. You must also fully charge your rental to your American Express business card. Keep in mind there is no additional charge for this coverage, and you'll even save up to $23 per day charge by the rental company.

Also when you charge your flight to your card, you'll get up to $500 in coverage for baggage delay. You’re also covered if you lose your luggage. You can use this $500 or motel, hotel, restaurant, and other expenses. You’re also covered if your flight is delayed under the same $500 policy. Finally, your hotel or motel is covered when you use your card to pay. This protects you in case your room is burglarized. Again, you’ll have $500 to spend on essentials that may have been stolen from your room.

Other Rewards

Other Rewards Insurance coverage isn’t the only thing you can expect from your card. You’ll also get access to several entertainment features, buyers protection plans, and other special card offers. As a cardholder, you’ll get to travel to destinations in over 130 countries around the world. You’ll get to stay in high quality hotels and suites such as The Ritz-Carlton, JW Marriott, Westin, Sheraton, and more.

Plus, you’ll get to meet celebrities and gain access to backstage concert passes, professional golf tournaments, and other unforgettable experiences. Take a look at some of the other rewards you’ll get in our Marriott Bonvoy Business Amex Card Review.

Here's a breakdown of what your entertainment access features will provide when you use your card to pay for them:

  • Front of the line advanced access to presale tickets or reservations in several in-demand theater productions, concerts, special events, and restaurants before the general public
  • Front of the line reserved tickets allows access to major events that include a variety of great seats reserved for American Express holders only
  • Special rewards and experiences for cardholders only that include advanced screenings to movies, weekend getaway packages, and special in store and online shopping deals
  • Special access to American Express lounges while attending entertainment events in several different areas

We also like that American Express covers your purchases no matter how you use your card. They offer a buyers Insurance protection plan that doubles the manufacturer's warranty for up to one additional year. This applies to purchases made anywhere in the world with your card as long as your warranty is valid in Canada and the United States. The warranty must not exceed five years and you will need approval before any repairs are made. Repair costs and replacements must not exceed $10,000 per item. You'll be eligible to receive up to $25,000 worth of repairs per year.

Here are some additional benefits you’ll enjoy as a cardholder:

24/7 customer service access

Emergency card replacement when your card is lost or stolen

Fraud protection guarantee

You can manage your account online anytime day or night using an online portal

American Express protects you so that you will not be held responsible if you have fraudulent charges on your account. You want to make sure that you use your card to make these purchases and protect your account by using a PIN number. This applies to purchases that you make online and off. If you lose your card or it is stolen, then contact American Express and they will get a new one to you as soon as possible.

Marriott Bonvoy Business ™ American Express® Credit Card PROS and CONS

Our Marriott Bonvoy Business ™ American Express® Credit Card Review wouldn’t be complete without a list of pros and cons. Most small business owners like that this card is reasonably priced with a small annual fee of $150. We also like that additional cards are free and there are many opportunities for insurance coverage. If you travel a lot for your business, then you must protect yourself. As with other credit cards, you’ll need to have good credit to apply. We recommend using a business credit score instead of your personal credit score to find out if you’re eligible. Here are some pros and cons of the Marriott Bonvoy™ Business American Express® Card.

Marriott Bonvoy Business ™ American Express® Card PROS

  • There is a 21-day interest-free grace time frame from your closing date on your statement
  • You can use your car to travel to over 130 countries around the world
  • You can cash in on a welcome bonus of 50,000 points when you spend $1,500 within the first three months of membership
  • You'll receive a free night award on each anniversary after one year of card membership
  • You can earn 5 Points for every dollar you spend on eligible card purchases at Marriott Bonvoy properties
  • Earn 2 points for every dollar you spend on all other purchases
  • American Express has an extensive insurance policy program that covers you on virtually anything you use your card for
  • You can enjoy insurance policies that include flight delays, baggage delays, theft, burglary, and anything else that might go wrong on your travels
  • You'll enjoy entertainment access and front of the line opportunities for theaters, sporting events, and meet and greets with celebrities
  • You'll have access to customer service 24/7 and access to your online portal anytime day or night
  • You can redeem your points at over 7,000 hotels across the world that includes some of the major luxury brands
  • You can transfer your voice to frequent flyer miles
  • The card comes with a purchase protection plan that protects your purchases if fraudulent charges are noted on your account
  • Emergency card replacement is available

Marriott Bonvoy Business ™ American Express® Card CONS

  • The preferred rate for purchases is 19.99% and funds advances is 22.99%, which is rather high. But keep in mind that you’re receiving many rewards and opportunities to apply your points to future purchases. The more you use your card, the more you save!
  • There is an annual fee of $150. Many small business owners find that this is on the affordable side compared to other cards. However, you'll need to pay this amount every year. If you do not travel often, then you may want to go with a cheaper card.

How To Apply for Marriott Bonvoy Business ™ American Express® Credit Card

To apply for the Marriott Bonvoy Business ™ American Express® Card, you’ll need to go to the website and fill out an application online. American Express requires that you be a Canadian resident and have a Canadian credit history. The website claims that you'll receive an answer within 60 seconds.

Before you apply, American Express will make sure that you comply to the following terms:

The preferred rate for purchases is 19.99%, which is effective on the day that you open your account

The preferred rate for funds advances is 22.99%, which is also effective the day that the account is opened

If you miss two separate payments, then your interest rate will increase to 23.99% for the next 12 billing periods

If you miss three separate payments, then your interest rate will increase to 26.99% for the next 12 billing cycles

Foreign currency has an exchange rate of 2.5%

After you agree to these terms, then you can apply for a card. You'll need to input your personal information, which includes your full name, address and birth date. Because you are applying for a credit card, American Express may do a hard pull on your credit to determine your creditworthiness.

Ready to Apply?

Apply for the Marriott Bonvoy Business ™ American Express® Card now and get a response in 60 seconds

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Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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