Marriott Bonvoy Business®
A hotel co-brand for businesses that regularly put teams up at Marriott properties — the automatic Gold status and yearly free night can offset the fee even at moderate travel volume.
Marriott Bonvoy Business® at a glance
Issued by American Express. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $125
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–28%
- Foreign transaction fee
- None
Rewards
6x points at Marriott hotels, 4x on gas/shipping/restaurants/internet-cable-phone (first $6k/yr each), 2x elsewhere
Intro offer
Points welcome bonus after minimum spend, plus a free night award after account anniversary
Marriott Bonvoy Business®'s annual fee vs. the cheapest and priciest cards on the marketplace
Marriott Bonvoy Business® vs. similar Travel rewards
| Criterion | Marriott Bonvoy Business® | Ink Business Preferred® | Southwest® Rapid Rewards® Premier Business |
|---|---|---|---|
| Annual fee | $125 | $95 | $99 |
| Regular APR | Variable, ~19–28% | Variable, ~19–24% | Variable, ~19–26% |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Marriott Bonvoy Business® charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +Free night award every year usually outweighs the annual fee alone
- +Automatic elite status without a stay minimum
- +No foreign transaction fee
Cons
- −Only valuable if you actually stay at Marriott properties
- −Free night award has a points-value cap
Marriott Bonvoy Business® has a $125 annual fee, requires good/excellent credit, and carries a Variable, ~19–28% regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses that book a lot of Marriott stays for travel or events
We don't have a partnership with American Express — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.