Amex
Marriott Bonvoy Business
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Card review
Marriott Bonvoy Business
Amex
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$125
Welcome bonus
See issuer
Est. net value
$722/yr
Credit score
Varies
Top earn rate
6x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Marriott Bonvoy Business from Amex carries a $125 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $546.72 in rewards plus $300.00 in credits and perks — $721.72 net per year before welcome bonuses.
How the points work
Earn 6X at Marriott Bonvoy hotels
Earn 4X at U.S. restaurants
Earn 4X at U.S. gas stations
Earn 4X on wireless telephone services purchased directly from U.S. service providers
Earn 4X on U.S. purchases for shipping
Earn 2X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseMarriott | 6× |
| DiningU.S. Restaurants | 4× |
| GasU.S. Gas Stations | 4× |
| Everything elseU.S. Wireless Telephone Services | 4× |
| Everything elseU.S. Shipping | 4× |
| Everything elseAll Purchases | 2× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Free Night$150/yr
Free night at Marriott hotels with a redemption level at or under 35,000 Marriott Bonvoy points.
- Free Night (w/ spend)
Earn an additional Free Night Award (redemption level at or under 35,000 Marriott Bonvoy points) after you spend $60K in a calendar year.
- Free Night #2 (earned)$150/yr
Free Night Award (redemption level at or under 35,000 Marriott Bonvoy points).
- Marriott Bonvoy Gold
Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift. Learn More
- 15 Elite Night Credits
Recieve 15 free elite night credits to your account each anniversity year.
- Room Rate Discount
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels which participate in the Marriott Bonvoy program when you book directly.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$125
- Stated credits
- +$0
- Perks (est.)
- +$300
- Net after credits & perks
- $175
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $125 per year.