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Marriott Bonvoy Business Card Review: A Business Hotel Card With a Free Anniversary Award Night and Automatic Elite Status

Review Updated
Natasha Etzel
Author: Natasha Etzel
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Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.

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Steven Porrello
Reviewer: Steven Porrello
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Steven is a personal finance writer covering topics from mortgages to credit cards to market news. He has written for The Motley Fool Canada, Ramsey Solutions, Nerdwallet, Clever Real Estate, and other major outlets. Steven launched his writing career at the age of four with his first book, "Revenge of the Bad Guys." He currently lives in Portland, Oregon.

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Offer status

The information for the Marriott Bonvoy Business™ Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

If you're a business traveler who frequently stays in Marriott Bonvoy properties, the Marriott Bonvoy Business™ Card may be a good fit for you. This business hotel card has a welcome offer of 3 Free Night Awards for new cardmembers, promises automatic elite status, and offers a free award night at every card anniversary, plus a chance for high spenders to earn an additional free award night each year. (Terms apply.) Read our full Marriott Bonvoy Business™ Card review to see if this is the right credit card for you.

Ratings Methodology

Marriott Bonvoy Business™ Card

Marriott Bonvoy Business™ Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

APR

19.49%-28.49%, variable

Rewards Circle with letter I in it. 6x points at participating Marriott Bonvoy™ hotels, 4x points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased from U.S. service providers and on U.S. purchases for shipping, 2x points on all other eligible purchases.

2x - 6x points

Annual Fee

$125

Welcome Offer Circle with letter I in it. Earn 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

3 Free Night Awards

  • This hotel card is a solid choice for business owners who are Marriott Bonvoy loyalists and want to earn a free anniversary award night, plus get automatic elite status.

    • Welcome bonus
    • Rewards
    • Free anniversary night
    • Elite status perks
    • Elite Night Credits
    • No foreign transaction fees
    • Travel and purchase protections
    • Annual fee
    • Welcome Offer: Earn 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
    • 6x points at hotels participating in the Marriott Bonvoy™ program.
    • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
    • 2x points on all other eligible purchases.
    • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
    • Receive 1 Free Night Award every year after your Card renewal month. Plus, 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 a participating hotel. Certain hotels have resort fees.
    • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
    • Terms apply.
The information for the Marriott Bonvoy Business™ Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Full Marriott Bonvoy Business Card review

This credit card is a good fit for: Business travelers who prefer Marriott Bonvoy properties and could benefit from elite status perks and a free anniversary night.

Top perks

The Marriott Bonvoy Business™ Card includes some notable highlights.

Welcome offer

The Marriott Bonvoy Business™ Card comes with a bonus offer available to new cardmembers who meet the minimum spend requirements. (Terms apply.)

Here's what you need to know:

  • Earn 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

READ MORE: Best Sign-Up Bonus Credit Cards

Earns rewards

You can earn rewards on your spending with the Marriott Bonvoy Business™ Card. (Terms apply.) Here's a breakdown of how you'll earn rewards when using your card:

  • Earn 6 points per $1 on hotels that participate in the Marriott Bonvoy program
  • Earn 4 points per $1 on restaurants worldwide, gas stations, shipping providers, and wireless phone services purchased directly from service providers
  • Earn 2 points per $1 on other purchases

If you frequently stay at hotels within the Marriott Bonvoy program and also spend in the above categories, you could earn significant rewards with this card.

Free anniversary night

The Marriott Bonvoy Business™ Card rewards cardholders with a free hotel night at every card anniversary. (Terms apply.) With this perk, you can stay one night at a participating Marriott Bonvoy property that costs 35,000 Marriott Bonvoy points or fewer per night.

Are you wondering what kind of value this perk provides? Marriott Bonvoy organizes its properties by category level and its redemption chart lists off-peak, standard, and peak rates.

With up to 35,000 points, you could book a Category 1-4 property at any time of the year, including on peak travel dates, or a Category 5 property at the standard or off-peak rate.

With this in mind, you can likely book a hotel with a nightly cash rate of $200 or more, which makes this card's $125 annual fee worthwhile.

SEE MORE: Best Hotel Credit Cards

High spenders can earn a second free night every year

This credit card rewards high spenders with an additional free hotel night each year. If you spend at least $60,000 in a calendar year, you'll earn one Free Night Award. (Terms apply.)

As with the free anniversary night, this award night entitles you to stay one night at a participating Marriott Bonvoy property that costs 35,000 Marriott Bonvoy points or fewer per night.

Elite status perks

As a cardholder, you'll receive complimentary Marriott Bonvoy Gold Elite status. You can enjoy perks like priority late checkout and enhanced room updates when available, and a 25% bonus on points earned on hotel stays. (Terms apply.)

Earn Elite Night Credits

With the Marriott Bonvoy Business™ Card, you'll earn 15 Elite Night Credits each year. This can help you work your way up to a higher elite status level. (Terms apply.)

No foreign transaction fees

No foreign transaction fees are charged when using the Marriott Bonvoy Business™ Card. These charges typically cost 3%, so using this card when traveling abroad can save you money. (Terms apply.)

LEARN MORE: Best No Foreign Transaction Fee Credit Cards

Alternatives to consider

If you want a Marriott Bonvoy card with a lower annual fee: While not a business card, the Marriott Bonvoy Boundless® Credit Card has a competitive annual fee and a generous new cardmember offer. Plus, you'll get automatic elite status.

If you want a travel card with a lower annual fee: The Chase Sapphire Preferred® Card is a consumer credit card with a $95 annual fee and the ability to earn rewards in several spending categories. A travel-focused rewards card may be a better option if you spend on airfare or other travel purchases outside of hotels.

SEE MORE OPTIONS: Best Rewards Credit Cards

As of Dec. 26, 2024
Image for
Image for
Image for
Marriott Bonvoy Business™ Card Marriott Bonvoy Boundless® Credit Card Chase Sapphire Preferred® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Read Review
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

3 Free Night Awards

Welcome Offer: Circle with letter I in it. Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!

Earn 3 Free Night Awards

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Rewards Program: Circle with letter I in it. 6x points at participating Marriott Bonvoy™ hotels, 4x points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased from U.S. service providers and on U.S. purchases for shipping, 2x points on all other eligible purchases.

2x - 6x points

Rewards Program: Circle with letter I in it. Earn up to 17X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy® and 2X points on all other purchases.

Up to 17X Points on Stays

Rewards Program: Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

APR:

19.49%-28.49%, variable

Regular APR:

20.74% - 27.74% Variable

Regular APR:

20.74% - 27.74% Variable

Annual Fee:

$125

Annual Fee:

$95

Annual Fee:

$95

Highlights:

  • Welcome Offer: Earn 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, 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 a participating hotel. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.

Highlights:

  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

The information for the Marriott Bonvoy Business™ Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

What could be improved

The Marriott Bonvoy Business™ Card has some great perks, but here's what could be improved:

Annual fee

The Marriott Bonvoy Business™ Card comes with an annual fee of $125. So you'll need to decide if the annual fee is worth it based on how you'll use your card. If you're looking for a hotel credit card without a yearly fee, you'll need to look elsewhere.

Suggested credit score

This American Express credit card is intended for consumers with good to excellent credit. It's recommended you have a FICO® Score of 670 or more when applying for the Marriott Bonvoy Business™ Card. It's possible to get approved with a lower score or be denied with a higher score.

Since this is a business card, you'll need to have a business to apply for this card. But card issuers are flexible on the business types they accept. For example, consumers with a side hustle or small business may be eligible for business credit cards.

The Marriott Bonvoy Business Card is right for you if:

  • You are a business traveler who frequently stays at Marriott Bonvoy properties.
  • You feel comfortable meeting the minimum spend to earn the bonus offer.
  • You can benefit from an annual free award night.
  • You want to achieve automatic Gold Elite status.

However, this isn't the best card for all business owners. If you're looking for a card with a lower annual fee (or no annual fee) or don't stay in Marriott Bonvoy properties often, this may not be the right card for you. In those cases, other travel rewards credit cards may be a better fit.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • Yes, you can earn a free night every year just by having this card in your wallet. Additionally, if you spend $60,000 or more per calendar year, you can earn a second free night. Finally, you can redeem the points you earn on your spending for free hotel stays at Marriott Bonvoy properties.

  • There is no specific credit limit for the Marriott Bonvoy Business™ Card. Your creditworthiness will determine your credit limit. Someone with excellent credit and good credit history may receive a higher credit limit than someone with a lower score.