Marriott Bonvoy Business®
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Marriott Bonvoy Business® from American Express earns up to 2.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $125. New applicants may see: Earn 150,000 Marriott Bonvoy® Bonus Points and a $125 Statement Credit after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 7/15/26..
- Top category
- Dining
- Effective value
- 2.8%
- Annual fee
- $125
Worth a look for dining spend if you need a business card and can use Marriott Bonvoy the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
What does the Marriott Bonvoy Business earn in each category?
Dining is the strongest category at 2.8% effective value (4x points at about 0.7 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Marriott Bonvoy Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 2.8% effective value (4x points at about 0.7 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Marriott Bonvoy Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 2.8% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1.4% |
| Gas Gas stations and fuel | 4x points | 2.8% |
| Travel Flights, hotels, transit | 2x points | 1.4% |
| Other General everyday spend | 2x points | 1.4% |
Madeen values Marriott Bonvoy at about 0.7 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Marriott Bonvoy Business reward caps and conditions?
The Marriott Bonvoy Business has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4X points per dollar on eligible purchases at restaurants worldwide
- 4X points per dollar on eligible purchases at U.S. gas stations
Who should get the Marriott Bonvoy Business?
The Marriott Bonvoy Business fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Marriott Bonvoy Business fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for dining spend if you need a business card and can use Marriott Bonvoy the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2.8% effective (4x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $125 annual fee requires enough spend in bonus categories to offset.
- Marriott Bonvoy value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Marriott Bonvoy Business welcome bonus?
In Madeen's catalog snapshot, the Marriott Bonvoy Business welcome offer is Earn 150,000 Marriott Bonvoy® Bonus Points and a $125 Statement Credit after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 7/15/26.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm.
- Offer
- 150k pts + $125 credit (~$1025 estimated)
- Terms (catalog snapshot)
- Earn 150,000 Marriott Bonvoy® Bonus Points and a $125 Statement Credit after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends 7/15/26.
- Minimum spend
- $8,000
- Window
- 6Months
Does the Marriott Bonvoy Business have an annual fee?
The Marriott Bonvoy Business has an annual fee of $125 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $125
- Foreign transaction fee
- None
What travel perks does the Marriott Bonvoy Business include?
The Marriott Bonvoy Business includes Free hotel night, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Complimentary Marriott Bonvoy Gold Elite Status in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free hotel night
Get one Free Night Award every year, after your Card renewal month.
What benefits come with the Marriott Bonvoy Business?
Extended Warranty
$10,000/yrWith Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Purchase Protection
$10,000/yrWhen 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 up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Baggage Insurance Plan
$2,000/yrTravel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. 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. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
Car Rental Loss and Damage Insurance
$40/yrAs a Card Member, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy and New Zealand. This product provides secondary coverage and does not include liability coverage.
Elite Night Credits
$25/yrEach 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.
Global Assist® Hotline
$25/yrWhenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services, including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
Premium Internet Access
$25/yrStay connected with complimentary in-room, premium internet access while staying at hotels participating in the Marriott Bonvoy program. Booking requirements apply for in-room Internet access.
Complimentary Marriott Bonvoy Gold Elite Status
Receive complimentary Marriott Bonvoy Gold Elite status with your Card, which includes priority late checkout when available and 25% bonus points on stays.
Earn & Redeem Free Nights
Get one Free Night Award every year, after your Card renewal month. 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 Bonvoy program worldwide. Certain hotels have resort fees.
Marriott Bonvoy Air+Car Transfer Program
Air+Car allows members to redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners around the world.
Marriott Bonvoy® Room Rate Discount
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels which participate in the Marriott Bonvoy program when you book directly. Terms and Conditions apply.
Related encyclopedia topics
What annual spend bonuses does the Marriott Bonvoy Business offer?
- Earn an additional Free Night Award after you spend $60K 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 hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Common questions about the Marriott Bonvoy Business
Where do cardholders spend most with the Marriott Bonvoy Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (4x), fast food (4x), other food and drink (4x) for the Marriott Bonvoy Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is a Marriott business card worth it?
The Marriott Bonvoy Business® from American Express earns up to 2.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $125. New applicants may see: Earn 150,000 Marriott Bonvoy® Bonus Points and a $125 Statement Credit after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer ends.
How much is 150,000 Marriott points?
Dining is the strongest Madeen category for the Marriott Bonvoy Business at about 2.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Marriott Bonvoy Business have an annual fee?
The Marriott Bonvoy Business carries an annual fee of $125 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Marriott Bonvoy Business?
Dining is the strongest Madeen category for the Marriott Bonvoy Business at about 2.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Marriott Bonvoy Business charge foreign transaction fees?
The Marriott Bonvoy Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Marriott Bonvoy Business compare to similar cards?
Compare the Marriott Bonvoy Business against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Marriott Bonvoy Business This card | Dining | 2.8% | $125 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure