Marriott Bonvoy Business American Express Card
$125 annual fee · 2x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 4x | uncapped |
| Gas | 4x | uncapped |
| Internet & cable | 4x | uncapped |
| Cell phone plans | 4x | uncapped |
| Shipping | 4x | uncapped |
| Everything else | 2x | 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 |
See how it ranks: best dining cards · best gas cards · best cell phone plans cards.
Signup bonus: 125,000 points after $6,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
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?
The $125 fee minus $0 in printed credits leaves $125/yr to earn back through rewards — roughly $3,677 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.
Comparing cards in the same currency? See the best cards that earn Marriott Bonvoy points →
More from American Express
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 2026-08-21 against issuer terms · sources: www.americanexpress.com · onemileatatime.com · thepointsguy.com. Spot an error? Tell us.