Marriott Bonvoy Business Amex review: fees and how to apply
Earn Marriott Bonvoy points on all eligible purchases
The Marriott Bonvoy Business American Express Card is a business credit card for entrepreneurs, self-employed professionals and small business owners who travel often and prefer staying at Marriott Bonvoy hotels.
It combines expense management tools with a hotel rewards program, so businesses can earn Marriott Bonvoy points on everyday spending. It’s especially useful for professionals who regularly spend on hotels, dining, gas and travel for work.
Below, you’ll find a guide to how this card works, who it’s best suited for, its fees and how to apply, so you can decide whether it fits your business.
Who is the Marriott Bonvoy Business American Express Card for?
This credit card is designed for business owners, freelancers and entrepreneurs who travel for work and already stay at Marriott Bonvoy hotels.
It’s particularly suitable for professionals who want to centralize their business expenses on one card while earning points they can redeem for free nights and other rewards in the Marriott Bonvoy program.
On the other hand, businesses that rarely travel, prefer other hotel chains or are looking for a simple low-interest business card may find fewer advantages in this card, since most of its rewards are tied to the Marriott program.
Approval depends on American Express’s credit assessment, which considers both personal and business information.
Main benefits of the Marriott Bonvoy Business American Express
Earn Marriott Bonvoy points on purchases
Cardholders earn Marriott Bonvoy points on all eligible purchases:
- 5 points per $1 at hotels participating in Marriott Bonvoy;
- 3 points per $1 on eligible gas, dining and travel;
- 2 points per $1 on everything else.
You can redeem points for free nights with no blackout dates at thousands of Marriott Bonvoy hotels and resorts, or use them for flights with partner airlines.
Annual Free Night Award
Each year after your card anniversary, you receive an Annual Free Night Award for one night at a participating hotel with a redemption level of up to 35,000 points. The award must be booked and used within one year, and certain hotels charge resort fees.
If you travel at least once a year and use the award, it can help offset the card’s $150 annual fee.
Automatic Silver Elite status
The card includes complimentary Silver Elite status in Marriott Bonvoy, with benefits such as priority late checkout, 10% bonus points on stays and complimentary Wi-Fi. You also receive 15 Elite Night Credits each calendar year toward the next level of Elite status.
Opportunity to reach Gold Elite status
You’re upgraded to Gold Elite status when you charge $30,000 in net purchases to the card each year, or when you combine 10 qualifying paid nights in a calendar year with the 15 Elite Night Credits from your card.
Travel insurance and employee misuse protection
The card includes travel insurance, such as baggage, flight delay and car rental insurance. It doesn’t include out-of-province/out-of-country emergency medical insurance.
For business owners, Employee Misuse Protection may cover up to $100,000 in eligible unauthorized charges made by an employee on a supplementary card, if you terminate the employee and cancel their card within 2 business days.
Coverage is subject to the terms, limits and exclusions in the Certificate of Insurance.
Employee cards for expense management
You can request supplementary cards for employees, making it easier to track and consolidate spending while earning points on your team’s purchases. Each supplementary card costs $50 per year.
Credit limit
The credit limit for the Marriott Bonvoy Business American Express Card isn’t fixed and varies by applicant.
American Express sets the limit based on factors such as your personal and business credit history, income, business information and overall financial profile. Paying on time and keeping spending under control can support a healthy credit profile and may help with future limit increases.
Marriott Bonvoy Business American Express: fees and charges
Before applying, it’s important to understand the costs of this business card. According to American Express Canada, the main fees include:
- Annual fee: $150;
- Interest rate on purchases: 21.99% annually;
- Interest rate on funds advances: 21.99% annually;
- Foreign transaction fee: 2.5% on purchases in foreign currencies;
- Supplementary card fee: $50 per year for each additional card.
Rates, fees and conditions checked on September 22, 2026, against American Express Canada and Marriott Bonvoy information. Confirm current terms on the American Express website before applying.
How to apply for the card
You can apply for the Marriott Bonvoy Business American Express Card online. The process generally follows these steps:
- Go to the official American Express Canada website;
- Select the Marriott Bonvoy Business American Express Card and click “Apply now”;
- Provide your personal details and information about your business;
- Review and accept the terms and conditions and consent to a credit check;
- Submit your application.
After you submit it, American Express reviews your application. If you’re approved, the card is mailed to you.
Our opinion about the card
The Marriott Bonvoy Business American Express Card can be a good option for business owners who often stay at Marriott hotels and want to turn everyday business expenses into Marriott Bonvoy points.
Its 5x rate at Marriott hotels, the 3x rate on gas, dining and travel, the Annual Free Night Award and the tools for tracking employee spending can add value for the right business.
However, the $150 annual fee, the $50 fee for each supplementary card, the 2.5% foreign transaction fee and the focus on a single hotel program mean the card works best for businesses that regularly choose Marriott. Businesses with little travel, or those that prefer simple cash back, may find better alternatives.
Before applying, assess your company’s travel habits, spending patterns and credit profile.
Click the button below to be redirected to the official American Express website to apply for the Marriott Bonvoy Business American Express Card.
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Disclaimer: This site is independent and strictly informational, and its content does not constitute financial advice. Finvyu is not affiliated with American Express or Marriott. We do not guarantee credit card approval, which is solely subject to a credit check, business verification and risk analysis by the issuing bank (Amex Bank of Canada). Finvyu Editorial Team.
