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American Express · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
Is the Marriott Bonvoy Business worth keeping when the fee hits? →
Welcome offer — Offer varies — typically a large points bonus after a spend threshold Estimated by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
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What this card delivers across six value dimensions (0–100, normalized).
| 6× | Marriott Bonvoy hotels Inferred by source |
|---|---|
| 4× | Restaurants, US gas, wireless & US shipping Inferred by source |
| 2× | Everything else Inferred by source |
No lounge access.
| Free Night Award | Annual award after renewal (≤35,000 points); a second after $60k spend Inferred by source |
|---|---|
| Marriott Bonvoy Gold Elite status | Complimentary Gold; 15 Elite Night Credits each year Inferred by source |
| Baggage | Baggage insurance plan Estimated by source |
|---|
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Marriott Bonvoy Business® American Express® Card has a $125 annual fee.
Using its non-spend-gated credits fully, the Marriott Bonvoy Business® American Express® Card returns about $0 in value against its $125 annual fee — a net of −$125 per year. It only makes sense if you value its perks beyond the listed credits.
The Marriott Bonvoy Business® American Express® Card earns 6x on marriott bonvoy hotels, 4x on restaurants, us gas, wireless & us shipping, 2x on everything else.
No — the Marriott Bonvoy Business® American Express® Card does not include airport lounge access.
No — the Marriott Bonvoy Business® American Express® Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically a large points bonus after a spend threshold. Welcome offers change frequently — confirm the current one on the issuer's page before applying.