Marriott Bonvoy Business American Express Card
$125 annual fee · 2x on everything else · no foreign transaction fees
Terms verified 2026-09-15 against issuer terms · welcome offer re-checked 2026-09-14
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 4x 2.8¢ per $1 |
uncapped |
| Gas | 4x 2.8¢ per $1 |
uncapped |
| Cell phone plans | 4x 2.8¢ per $1 |
uncapped |
| Shipping | 4x 2.8¢ per $1 |
uncapped |
| Everything else | 2x 1.4¢ per $1 |
uncapped |
| Hotels at Marriott only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
6x | uncapped |
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Marriott Bonvoy Business American Express Card welcome bonus fell from 125,000 to 100,000. 2026-09-11
Signup bonus: 100,000 points after $8,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Plus one Free Night Award (redemption level up to 50,000 points). Limited-time offer. Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- 7% discount on eligible Marriott Bonvoy bookings via Amex Business Card Rate
- Marriott Bonvoy Gold Elite status (25% bonus points, priority late checkout until 2pm)
- 15 Elite Night Credits each calendar year
- Air+Car transfer program (redeem points for flights/car rentals with travel partners)
- Premium on-property Internet Access
- No Foreign Transaction Fees
Does the fee earn out? · how we got this
The $125 fee minus $0 in printed credits leaves $125/yr to earn back through rewards — roughly $4,465 of dining spending at 4x (valuing Marriott Bonvoy points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $125 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at Marriott. Its largest printed rate, 6x on hotels, pays only at Marriott. Anywhere else it earns its base 2x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Comparing cards in the same currency? See the best cards that earn Marriott Bonvoy points →
More from American Express
- Rakuten American Express Card
- Schwab Investor Card from American Express
- The Business Platinum Card from American Express $895/yr
- The Platinum Card from American Express $895/yr
- The Platinum Card from American Express Exclusively for Charles Schwab $895/yr
- The Platinum Card from American Express Exclusively for Morgan Stanley $895/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.americanexpress.com · onemileatatime.com · thepointsguy.com. Spot an error? Tell us.