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Amex Marriott Bonvoy Business Card Review (2021) – The Key To 30 Elite Night Credits


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Not long ago, the Marriott Bonvoy Business™ American Express Card was just another co-branded business credit card that offered a good earning rate at Marriott properties and a few good benefits too. Then, in late March 2020, came a small but key policy change that made the Marriott Bonvoy Business™ American Express Card an invaluable tool for anyone seeking easy Marriott Bonvoy status.

Marriott Bonvoy Business™American Express Card

In Brief

The Marriott Bonvoy Business™ American Express Card is the only Marriott co-branded business card on the market and it’s issued by American Express. The cards key selling points are that it offers the best available earning rate at Marriott properties worldwide, it offers the best earning rate for spending at US restaurants and at US gas stations of any Bonvoy card, it offers cardholders a free night at select Marriott properties every year, and it’s the only card that when paired with one of a number of other Bonvoy cards, will give cardholders 30 elite night credits towards Marriott Bonvoy elite status every year.

In Detail

Here’s what you need to know about the Marriott Bonvoy Business™ American Express Card:

Annual Fee

Cost of Authorised User Cards

Current Welcome Bonus

  • 75,000 bonus Marriott Bonvoy Points after a successful new applicant spends $3,000 on purchases in the first 3 months of card membership (find out more)
  • Get up to $150 back in statement credits on any spending made on the Marriott Bonvoy Business™ American Express Card in the first 3 months of card membership. These statement credits will effectively offset the card’s annual fee in the first year.

Exclusions

This welcome offer not available to applicants who have or have had this product or the Starwood Preferred Guest Business Credit Card from American Express.

In addition, the welcome offer is not available to:

  • Applicants who have or have had the Marriott Bonvoy Premier Plus Business Credit Card from Chase, the Marriott Rewards Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business Credit Card from Chase, or the Marriott Rewards Business Credit Card from Chase in the last 30 days.
  • Applicants who have acquired the Marriott Bonvoy BoundlessT Credit Card from Chase, the Marriott Rewards Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold Credit Card from Chase, the Marriott Bonvoy Premier Credit Card from Chase, or the Marriott Rewards Premier Credit Card from Chase in the last 90 days.
  • Applicants who have received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Boundless Credit Card from Chase, the Marriott Rewards Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold Credit Card from Chase, the Marriott Bonvoy Premier Plus Credit Card from Chase or the Marriott Rewards Premier Credit Card from Chase.

Earnings (terms apply)

  • 6 points/dollar at Marriott Bonvoy properties worldwide
  • 4 points/dollar on spending at US restaurants
  • 4 points/dollar on spending at US gas stations
  • 4 points/dollar on spending on wireless telephone services purchased directly from U.S. service providers
  • 4 points/dollar on spending on US purchases for shipping
  • 2 points/dollar on spending in all other categories

Key Benefits (terms apply)

  • Annual free night certificate valid at properties costing up to 35,000 points/night
  • 15 elite night credits towards elite status every year
  • No foreign transaction fees
  • Purchase protection
  • Extended warranty
  • Access to Amex Offers

The card also offers all cardholders Marriott Bonvoy Silver Elite status but that is not a “key” benefit.

Why This Is A Good Card

The Welcome Offer

the Marriott Bonvoy Business™ American Express Card is currently offering successful new applicants 75,000 bonus Marriott Bonvoy Points after they spend $3,000 on purchases in the first 3 months of card membership and up to $150 back in statement credits on any purchases made on their new card in the first 6 months of card membership.

As I value Bonvoy points at 0.6 cents each (based on the value I know I can get out of them will ease), the points on offer as part of the welcome bonus are worth $450.

For reference, I’ve posted the Marriott Bonvoy award chart below and from it, you should be able to see that the 75,000 points from the welcome offer would be enough to book a free night at all Marriott properties in categories 1 through 7 regardless of season, and a free night at a category 8 property in off-peak season.

By using the points from the welcome offer with care, it shouldn’t be too hard to get a great deal of value out of the 75,000 points and you may even be left with change.

There are, for example, some very good Marriott Bonvoy properties around the world at which a room can be booked for just 50,000 points per night (e.g. the St Regis Langkawi, The Ritz-Carlton AbamaMarriott’s Ko’Olina Beach Club, and Marriott’s Maui Ocean Club to name just a few), and these are properties at which room rates frequently exceed $400 per night.

I value the $150 in statement credits that the card is currently offering successful new applicants at face value as the credits are not restricted to spending in select categories. Effectively, this will offset the card’s annual fee in the first year meaning that successful new applicants can try this card out for a year and enjoy all the benefits that the card offers, for free (assuming they don’t carry a balance and incur interest charges).

The Earning Rates

Quite simply, no Marriott Bonvoy card (not even the $450/year Marriott Bonvoy Brilliant™ American Express Card) earns more points per dollar at Marriott properties worldwide, and no Bonvoy card can match the Marriott Bonvoy Business Card’s earning rates at US restaurants and US gas stations which are key spending categories for a lot of people.

If you’re in the market to add to your Marriott Bonvoy points balance, the earning rates that The Marriott Bonvoy Business™ American Express Card offers are among the best rates that you’ll find but if you’re looking to maximize your effective return, other cards may be preferable. Based on my valuation of Bonvoy Points, the Marriott Bonvoy Business™ American Express Card offers an effective rebate of between 1.2% and 3.6% (depending on the spending category) and you’ll do better than that with a variety of other credit cards that are readily available.

Elite Night Credits

The Marriott Bonvoy Business™ American Express Card offers cardholders 15 elite night credits every year (terms apply) just as a number of other Bonvoy co-branded cards do, but the Business Card is the only Bonvoy card that can help cardholders do even better.

Back in March of 2020, Marriott brought back an old policy of awarding 15 elite night credits for a personal co-branded credit card and further 15 elite night credits for a business co-branded credit card.

As American Express is the only card issuer that has the right to offer new Marriott Bonvoy Business cards, anyone who doesn’t hold a legacy Bonvoy business card and who wishes to make the most of this policy update has to hold the Marriott Bonvoy Business™ American Express Card. There is no other option.

30 elite night credits will get a Bonvoy member Gold status but, more importantly, it will get a member to within 20 elite night credits of valuable Bonvoy Platinum status and benefits like complimentary breakfasts, suite night awards, and 50% bonus points on all stays.

While cards like the Marriott Bonvoy Boundless Visa, the Marriott Bonvoy Brilliant™ American Express Card, and the Ritz-Carlton Credit Card (no longer open to new applicants), all offer 15 elite night credits. No card pairing that doesn’t include the Marriott Bonvoy Business™ American Express Card will earn the cardholder 30 elite night credits and a haul of elite nights as large as that can be incredibly important to anyone who stays at Marriott properties with any kind of frequency.

Annual Free Night Certificate

On every anniversary, holders of the Marriott Bonvoy Business™ American Express Card receive a free night certificate which can be used at properties costing up to 35,000 points/night (terms apply). Even if you disregard the excellent welcome offer and the strong earnings rates at Marriott properties that this card offers, the free night certificate alone is enough to cover the card’s annual fee year after year.

Bottom Line

The Marriott Bonvoy Business™ American Express Card is a very solid card for anyone who’s looking to earn the maximum number of Bonvoy points on their spending and 15 elite night credits without splashing out on a $450/year credit card. It’s also the only card that can help a Bonvoy member earn 30 elite night credits every year without setting foot in a Marriott property.

The 75,000 bonus points from the welcome offer are enough to allow new cardholders to book a stay at some of Marriott’s better properties, the $150 statement credits effectively offset the card’s annual fee in the first year, while the yearly free night certificate should easily cover the annual fee in all subsequent years. There’s a lot to like about the Marriott Bonvoy Business™ American Express Card right now.

Find out how to apply for the Marriott Bonvoy Business Card.

For Your Consideration

The Marriott Bonvoy Boundless Credit Card is currently offering successful new applicants 3 Free Nights (at properties costing 50,000 points/night or less) after they spend $3,000 in the first 3 months from account opening as well as 10 points/dollar on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening. As if that wasn’t enough, this is a card that offers the highest earnings rate available for spending at Marriott properties worldwide.

Our Favorite Benefits:

  • 6 Bonvoy Points/dollar at Marriott properties worldwide
  • An annual free night certificate (worth 35,000 points) every account anniversary
  • 15 elite night credits each calendar year
  • No foreign transaction fees

Click for more details on the Marriott Bonvoy Boundless Credit Card

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.

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