Marriott Bonvoy Business Amex: an annual free night for your business
The Marriott Bonvoy Business American Express Card is a credit card for business owners and entrepreneurs who travel often and want to earn rewards through Marriott Bonvoy, Marriott’s hotel loyalty program.
This business card combines a hotel rewards program with tools for managing company spending, so business owners can earn Marriott Bonvoy points while tracking their business expenses.
Pros and cons of the Marriott Bonvoy Business American Express
Before applying for a business credit card, it’s important to evaluate its advantages and limitations to make sure it fits your company’s spending and cash flow.
Pros:
- Earn 5 Marriott Bonvoy points per $1 at participating Marriott Bonvoy hotels, 3 points per $1 on eligible gas, dining and travel, and 2 points per $1 on everything else;
- Receive an Annual Free Night Award after each card anniversary, for one night at a participating hotel with a redemption level of up to 35,000 points. Certain hotels have resort fees;
- Get automatic Silver Elite status in Marriott Bonvoy and receive 15 Elite Night Credits each calendar year toward the next level of Elite status;
- Upgrade 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 your 15 Elite Night Credits;
- Access business management tools and issue supplementary cards to employees, so their spending also earns points;
- 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;
- Includes travel insurance, such as baggage, flight delay and car rental insurance.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Cons:
- A $150 annual fee applies, which may not be offset by rewards if your business only travels occasionally;
- Each supplementary card costs $50 per year;
- Foreign transaction fee: a 2.5% fee applies to purchases in foreign currencies;
- The card doesn’t include out-of-province/out-of-country emergency medical insurance;
- American Express is accepted at fewer merchants than Visa or Mastercard.
Main fees and charges
Understanding the costs of the Marriott Bonvoy Business American Express Card is essential for planning your business spending and avoiding unnecessary interest charges.
According to American Express Canada:
- Annual fee: $150;
- Supplementary card fee: $50 per additional card;
- Interest rate on purchases: 21.99% annually;
- Interest rate on funds advances: 21.99% annually;
- Foreign transaction fee: 2.5% on foreign currency transactions.
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.
About the issuing bank
American Express is an international financial services company that offers credit and charge cards, including personal, business and co-branded cards like the Marriott Bonvoy Business Card.
In Canada, the card is issued by Amex Bank of Canada. American Express offers business cardholders online and mobile tools to track spending, manage supplementary cards and monitor account activity.
Rewards and points structure
Cardmembers 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 purchases;
- 2 points per $1 on all other purchases.
You can redeem points for free nights with no blackout dates at thousands of Marriott Bonvoy hotels and resorts worldwide, or use them for flights with partner airlines.
Cardmembers also receive 15 Elite Night Credits each calendar year, which count toward Marriott Bonvoy Elite status.
App and online experience
Business owners can manage the Marriott Bonvoy Business American Express Card through the American Express App and online services.
These tools let you check your account balance, review transactions from supplementary cards, track your points, make payments and review past statements.
Who is this card best suited for?
This credit card can suit small business owners, self-employed professionals and entrepreneurs who travel often and stay at Marriott Bonvoy hotels.
Points can add up with the 5x rate at Marriott hotels and the 3x rate on gas, dining and travel. The Annual Free Night Award, worth up to 35,000 points, can help offset the $150 annual fee if you use it.
On the other hand, business owners who rarely travel, spend little in the higher-earning categories, or make many purchases in foreign currencies may find less value in this card.
Why apply for this card?
The Marriott Bonvoy Business American Express Card can be a practical choice for businesses that want to turn everyday and travel expenses into Marriott Bonvoy points.
It combines higher earn rates at Marriott hotels, an annual free night, Elite status benefits and tools to track employee spending.
However, it’s important to evaluate your company’s travel habits and spending patterns before deciding. The annual fee and interest rates should fit your expected use, and paying your balance in full each month helps you avoid the 21.99% interest rate.
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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.