Marriott Bonvoy Business
American Express$125 a yearNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
100,000points
+ 1 Free Night Award
after $8,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus100,000 points at 0.73¢ + 1 Free Night Award at an estimated $248.20 each | $978 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$55 |
| Marriott Bonvoy free nightEarned after $60,000 in card spend in a calendar year | $0 |
| Annual fee | −$125 |
| Meeting the $8,000 minimumearns 1.46% here vs 2% on Double Cash | −$43 |
| First year | $865 |
| Each year after | +$362 |
Not counted in the first year: status, anniversary free nights and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 4X | Dining | 2.9% |
| 4X | US Gas Stations | 2.9% |
| 6X | Marriott purchases | 4.4% |
| 4X | US shipping | 2.9% |
| 2X | Everything else | 1.5% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 4X | US Wireless services | 2.9% |
Noteworthy perks
- Marriott Bonvoy free nightArrives on your card anniversary, after the first year
- Marriott Bonvoy Gold
Business card · Earns Marriott Bonvoy
Benefits
Elite status (2)
- Marriott Bonvoy: Gold
- Marriott Bonvoy: 15 elite night credits per year
Protections (5)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Baggage Insurance, Up to $1,250 for carry-on, $500 for checked luggage
- Purchase Protection, up to $1,000, Coverage against damage or theft for 90 days, up to $1,000 per occurrence, $50,000 per year
- Extended Warranty, Extends warranty by up to 1 year
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage up to $50,000 for rental car damage or theft
Other Perks
- Annual 35K Free Night Award after renewal (can top up to 60K with additional points)
- 7% discount on eligible Marriott Bonvoy bookings
- Additional 35K Free Night Award after $60K spend per calendar year
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from Limited Time Offer: 100K bonus points and 1 free night award after you spend $8K in purchases within the first 6 months of card membership. The free night award has a redemption level up to 50K points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. (Rates & Fees)(Offer Expires 11/4/2026) to Limited Time Offer: 100K bonus points and 1 free night award after you spend $8K in purchases within the first 6 months of card membership. The free night award has a redemption level up to 50K points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. (Offer Expires 11/4/2026)Oct 11, 2026
- changed from null to Bonvoy BusinessOct 8, 2026
- changed from 75K bonus points after $6K in eligible purchases and an extra 50K bonus points after an additional $3K in eligible purchases within the first 6 months to Limited Time Offer: 100K bonus points and 1 free night award after you spend $8K in purchases within the first 6 months of card membership. The free night award has a redemption level up to 50K points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. (Rates & Fees)(Offer Expires 11/4/2026)Sep 10, 2026
- changed from 6000 to 8000Sep 10, 2026
- changed from null to 2026-11-04Sep 10, 2026
- changed from null to creditSep 2, 2026
- changed from null to 6000Aug 13, 2026
- changed from null to 180Aug 13, 2026