The Marriott Bonvoy Business American Express credit card is designed for frequent business travelers who often stay at Marriott properties.
As a business card, it combines travel rewards with various features that cater to companies, making it a convenient option for entrepreneurs or small business owners.
In this guide, the benefits, potential drawbacks, and overall structure of this card will be reviewed, along with insights into why it might be a good fit for certain types of business owners.
About the Marriott Bonvoy Business American Express credit card
The Marriott Bonvoy Business American Express card is part of the Marriott Bonvoy loyalty program, which is one of the most popular hotel rewards programs globally.
It offers several incentives for travelers who frequently stay at Marriott’s extensive network of hotels.
This product also supports business expenses by providing bonus points on spending categories relevant to business owners, including worldwide dining and gas purchases at U.S. gas stations.
Benefits of the Marriott Bonvoy Business American Express credit card
The Marriot Bonvoy Business American Express card comes with a range of benefits tailored to frequent travelers and business owners.
Below are some key advantages:
- Cardholders can earn points for each dollar spent, with higher rewards in certain spending categories such as Marriot hotel stays, dining, and wireless telephone services purchased directly from U.S. service providers;
- International travelers can benefit from no extra charges on foreign transactions;
- The user is awarded a complimentary free night at Marriott hotels after their card renewal month;
- This card offers an extended warranty of up to one additional year on eligible purchases, applying to original warranties of five years or less on covered items within the U.S. or its territories.
Disadvantages of the Marriott Bonvoy Business American Express credit card
Despite its benefits, the Marriot Bonvoy Business American Express card has a few downsides that may not suit everyone:
- There is an annual fee associated with this product;
- While the card offers interesting rewards for Marriott stays, it may not be useful for travelers who prefer to stay at different hotel chains;
- It has a relatively high Annual Percentage Rate for purchases and cash advances;
- The travel insurance doesn’t include medical coverage.
About the issuing bank
American Express, the issuer of the Marriot Bonvoy Business credit card, is well-known for providing premium financial products and services.
This institution has a reputation for delivering cards with valuable rewards, especially for travel and business expenses.
Fees of the Marriott Bonvoy Business American Express credit card
The Marriot Bonvoy Business American Express credit card carries certain fees that should be considered before applying:
- Annual fee: $125.00;
- Annual Percentage Rate for purchases: it varies depending on the cardholder’s creditworthiness and can range from 20.49% to 29.49%;
- Annual Percentage Rate for cash advances: 29.99%;
- Foreign transaction fee: non-applicable;
- Late payment fee: up to $39.00;
- Over limit fee: non-applicable.
Last update of rates according to the official website: 10/14/24
Why apply for this card?
The Marriot Bonvoy Business American Express credit card is an interesting option for small business owners and entrepreneurs who frequently travel for work and prefer staying at Marriott hotels.
Its rewards program can provide value to users who maximize their spending on business-related expenses.
However, for individuals who don’t often travel or prefer other hotel chains, this card’s limited rewards flexibility might not make it the ideal choice.
Besides, its annual fee and other costs may outweigh the benefits for those who don’t regularly take advantage of the Marriott Bonvoy perks.
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