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Last Updated: 10/08/2025

Marriott Bonvoy Business® American Express® Card

in Business Credit Cards from American Express® National Bank

Last Updated: 10/08/2025

Marriott Bonvoy Business® American Express® Card logo
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Highlights

Purchase APR (Variable APR)

19.99% - 28.99%(Verified 09/19/2025)
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Balance Transfer APR (Variable APR)

N/A(Verified 09/25/2024)

Annual Fee

$125
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Credit Score Range

N/A

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Marriott Bonvoy Business® American Express® Card Review

All information about this card has been collected independently by SuperMoney.
This is a rewards card issued by American Express® National Bank. If you're wondering whether Marriott Bonvoy Business® American Express® Card is the right card for you, read on.

Key Takeaways

  • Business credit card with generous reward rate. You can get a rewards rate of up to 6 reward points per dollar spent.
  • Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel assistance, and fraud protection.

Pros & Cons of Marriott Bonvoy business American Express card

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 19.99% up to 28.99% .
It also has a variable cash advance APR of 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

This business card does not offer an introductory rate on new purchases.

What fees does it charge?

The following fees apply to this business credit card:
  • An annual fee of $125 ($125) .
  • A late payment penalty of up to $39 .
  • A returned payment fee of $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does it offer a cash back or rewards program?

Yes, Marriott Bonvoy business American Express card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
  • Internet, Cable and Phone Services
  • Gas stations
  • Hotels
  • Restaurants
  • Shipping

Does it have a sign up bonus?

Yes. Earn 125,000 Marriott Bonvoy points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 10/22/2025..

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Marriott Bonvoy Business® American Express® Card Disclosure: All information about Marriott Bonvoy Business® American Express® Card has been collected independently by SuperMoney. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Marriott Bonvoy Business® American Express® Card logo

Message from Marriott Bonvoy business American Express card

Earn 75,000 Marriott Bonvoy Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. APR on purchases will be a variable rate, 15.74% - 24.74%, based on your creditworthiness and other factors as determined at the time of account opening. Get one Free Night Award every year, after your Card account anniversary.‡ And earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at over 7,000 hotels participating in the Marriott BonvoyTM program worldwide. Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.

Air+Car allows members to redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners around the world. Receive complimentary Marriott Bonvoy Silver Elite status with your Card, which includes priority late checkout when available and 10% bonus points on stays. Stay connected with complimentary in-room, premium internet access while staying at hotels participating in the Marriott BonvoyTM program. Booking requirements apply for in-room Internet access. Do business globally without any foreign transaction fees on purchases. American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

Contact

Headquarters

World Financial Center
200 Vesey Street
New York, NY 10285
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Hours of Operation

Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM

Other Services by American Express® National Bank