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Last updated
Is the Marriott Bonvoy Business worth keeping when the fee hits?
Welcome offer — Offer varies — typically a large points bonus after a spend threshold Estimated by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 6× | Marriott Bonvoy hotels Inferred by source |
|---|---|
| 4× | Restaurants, US gas, wireless & US shipping Inferred by source |
| 2× | Everything else Inferred by source |
No lounge access.
| Free Night Award | Annual award after renewal (≤35,000 points); a second after $60k spend Inferred by source |
|---|---|
| Marriott Bonvoy Gold Elite status | Complimentary Gold; 15 Elite Night Credits each year Inferred by source |
| Baggage | Baggage insurance plan Estimated by source |
|---|
Using Marriott Bonvoy Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Marriott Bonvoy Business® American Express® Card has a $125 annual fee.
Using its non-spend-gated credits fully, the Marriott Bonvoy Business® American Express® Card returns about $0 in value against its $125 annual fee — a net of −$125 per year. It only makes sense if you value its perks beyond the listed credits.
The Marriott Bonvoy Business® American Express® Card earns 6x on marriott bonvoy hotels, 4x on restaurants, us gas, wireless & us shipping, 2x on everything else.
No — the Marriott Bonvoy Business® American Express® Card does not include airport lounge access.
No — the Marriott Bonvoy Business® American Express® Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically a large points bonus after a spend threshold. Welcome offers change frequently — confirm the current one on the issuer's page before applying.