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Mr. Loonie
Marriott Bonvoy™ Business American Express® Card

Marriott Bonvoy™ Business American Express® Card

7.2
Good
Expert Score · 5 reviews How we score

Best for: Business owners who stay at Marriott hotels and want points on gas, dining and travel

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$1,807
Every year after
$1,247

Ranked #11 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$560
All of year one’s offer. Up to 80,000 Bonvoy points.
Annual fee
$150 a year
Apply now on American Express’ site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from American Express’ site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Do you spend $350 or more a month on hotels?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 5 points per $1 on hotels At our value for these points, that’s about 4% back.
  • Good: Welcome offer up to 80,000 Bonvoy points About $640 at our value for these points.

Watch for

  • Watch for: $150 a year You need about $350 a month on hotels to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With small team spending of $6,000 a month.

Bonvoy points valued at 0.8¢ each.

  • Office supplies $48
    2 points per $1 · 1.6% back $250 a month · 6,000 Bonvoy points a year
  • Shipping $38
    2 points per $1 · 1.6% back $200 a month · 4,800 Bonvoy points a year
  • Phone and internet $58
    2 points per $1 · 1.6% back $300 a month · 7,200 Bonvoy points a year
  • Software $77
    2 points per $1 · 1.6% back $400 a month · 9,600 Bonvoy points a year
  • Online ads $115
    2 points per $1 · 1.6% back $600 a month · 14,400 Bonvoy points a year
  • Gas $144
    3 points per $1 · 2.4% back $500 a month · 18,000 Bonvoy points a year
  • Restaurants $115
    3 points per $1 · 2.4% back $400 a month · 14,400 Bonvoy points a year
  • Travel $115
    3 points per $1 · 2.4% back $400 a month · 14,400 Bonvoy points a year
  • Everything else $509
    2 points per $1 · 1.6% back $2,650 a month · 63,600 Bonvoy points a year
  • Foreign currency $58
    2 points per $1 · 1.6% back $300 a month · 7,200 Bonvoy points a year
For you Year one Later years
Points you earn159,600 Bonvoy points a year, at 0.8¢ each $1,277 $1,277
Welcome offer70,000 Bonvoy points you’d reach $560 $0
Annual fee −$150 −$150
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Total $1,807 $1,247

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Gas
3 points per $1
Travel
3 points per $1
Restaurants
3 points per $1
Hotels
5 points per $1 On eligible purchases on participating Marriott Bonvoy properties
Everything else (base rate)
2 points per $1
  • Receive an Annual Free Night Award automatically each year after your anniversary
  • Receive a 15,000 points bonus from the Marriott Bonvoy program when you transfer 60,000 points to a frequent flyer program
How Bonvoy points work, and why 0.8¢

We count Bonvoy points at 0.8¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.1¢ to 1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    70,000 Bonvoy points · about $560

    Spend $5,000 in your first 3 months.

    You’d reach it in month 1.

    • On purchases within the first 3 months
    • Earn 10000 Points after you spend $1000 on your Card in month 13
  2. 2

    10,000 Bonvoy points · about $80

    Keep the card for a year.

    • spend $1,000 on your Card; in month 13

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.2
Good
Expert Score How we score
  • PointsWise (opens in a new tab) Nov 2024

    “With generous rewards, Elite status perks, and travel benefits, this card is ideal for Canadian business owners who travel often. If you can meet the $5,000 spending requirement, the welcome bonus alone makes it a smart choice.”

  • Rewards Canada (opens in a new tab) May 2023

    “There's a reason why the consumer version of this card has been one of the best cards in Canada for years on end and this card is no different. It is one of the best small business cards in our market today. It has the potential to provide outsized value, I mean how many cards can give you over 20% back on your spending? Not a whole heck of a lot of them. If you run a small business, want huge value, need a card to keep track of all your and your employees expenses and are a fan of the Marriott Bonvoy program the Marriott Bonvoy™ Business American Express® Card is definitely one to consider.”

  • SAVVY New Canadians (opens in a new tab) Sep 2022

    “If you have a small to medium-sized business, travel frequently, and stay at participating Marriott Bonvoy hotels, this credit card may be for you. If you spend a decent amount each year, you will earn quite a few Marriott Bonvoy Rewards points that you can redeem on flights, hotel stays, and rental car bookings. If you are not a loyal Marriott Bonvoy traveler, you may want to consider another business rewards credit card, such as the alternatives listed above.”

  • MoneyGenius (opens in a new tab) Aug 2021
    6.2

    “We’ve given this credit card 3.1 out of a possible 5 stars for a few reasons. It gained points for its generous welcome bonus, and for having a great Bonvoy Rewards earn rate with 2 bonus categories. The additional benefit of 15 Elite Night credits and the free night award every year is a nice touch. Unfortunately, this card lost a few points for having a lacklustre insurance package, and because it doesn’t have any other real travel perks such as lounge access, which can help ease the stresses of business travel.”

  • Ratesdotca (opens in a new tab) Mar 2019

    “If you enjoy staying at Marriott properties or you’re looking for a way to earn hotel points, then this card is a winner. The earn rate is incredible for hotel stays and pretty good for your day-to-day spending. Sign up for the card and you’ll be living in luxury soon enough.”

What cardholders say

Ratings from people with this card

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Receive complimentary Silver Elite status.
  • Receive 15 Elite Night Credits each calendar year that can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Gold Elite status when you reach $30,000 in purchases charged to the Card each year
  • Disability Plan for Small Business
  • Business Solutions resources
  • Employee Card Misuse Protection
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost or Stolen Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • American Express Invites
  • Emergency Card Replacement
  • Front Of The Line Advance Access
  • Special Offers & Experiences
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read American Express’ insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$150 a year
Purchase interest
21.99%
Cash advance interest
21.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Cash advance fee
$2.75
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With small team spending. This card: $1,807 year one, $1,247 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Marriott Bonvoy™ Business American Express® Card?

$150 a year. Each extra card costs $50.

How much is the Marriott Bonvoy™ Business American Express® Card welcome offer worth?

Up to 80,000 Bonvoy points, about $640. You get it in 2 steps: 70,000 Bonvoy points after you spend $5,000 in the first 3 months; 10,000 Bonvoy points on your first card anniversary.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 21.99%.

Does it include insurance?

It lists extended warranty, purchase protection, employee card misuse protection and flight delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,807
year one for you
Apply now on American Express’ site (opens in a new tab)
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