Marriott Bonvoy Business™ American Express® Card

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Marriott Bonvoy Business™ American Express® Card
75K Points
75K points after $3K spend in the first 3 months. Terms apply. (Rates & Fees)
Click here to learn how to apply

$125 Annual Fee


Card Type: Amex Credit Card

Base
Dine
Gas
Phone
Biz
Brand

Earning rate: 6x at Marriott Bonvoy properties ⚬ 4x U.S. restaurants, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ⚬ 2x on all other eligible purchases. Terms Apply. (Rates & Fees)

Big spend bonus: Marriott Gold elite status with $35K annual spend ⚬ Earn an additional free night (good for one night at a redemption level at or under 35K points, subject to resort fees) after you spend $60K on purchases in a calendar year

Noteworthy perks: 1 Free Night Award every year after your Card account anniversary for a one-niight redemption level at or under 35K points (subject to resort fees) ⚬ Complimentary premium Internet access at Marriott properties ⚬ Terms Apply (Rates & Fees)

See also: Marriott Bonvoy Complete Guide

Rewards

Marriott points can be redeemed for free night awards, travel packages, airline miles, or experiences. 5th Night Free Awards: When redeeming points for free nights, the 5th night within a single reservation is free. Airline miles: Points can be converted to airline miles at a rate of 3 points to 1 mile. A bonus is added on when you transfer 60,000 points at a time, such that 60,000 points transfers to 25,000 miles. Also, you'll get a 10% bonus when transferring points to United Airlines.

Everything you need to know about Marriott's rewards program, Bonvoy, can be found here: Marriott Bonvoy Complete Guide

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


Marriott Bonvoy credit cards are issued by both Chase and American Express.  If you're interested in signing up for more than one Chase and/or Amex Marriott card, it's important to consider the complex rules they have put in place:

How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Keep or Cancel?

This card is not particularly rewarding for spend. In my opinion, the decision as to whether to keep the card past the first year should be based on how much you value the annual free night. If you value the free night significantly higher than this card's annual fee, then keep the card. Otherwise, cancel when the annual fee comes due.

Related Cards (Marriott Bonvoy)

Marriott Bonvoy Business™ American Express® Card
75K Points
75K points after $3K spend in the first 3 months. Terms apply. (Rates & Fees)

$125 Annual Fee

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