Credit Card Review: Marriott Bonvoy Business American Express

The Marriott Bonvoy Business American Express card replaced the Starwood Preferred Guest Business American Express personal card. All previous cardholders were transferred to the new card.

The SPG Business AMEX was one of the best cards out there, but there’s no need to relive the past. Those days are gone and the Marriott Bonvoy Business AMEX is what’s left. The question is now, what benefits does the card provide and it is worthwhile keeping?

Marriott Bonvoy Business Card

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Signup Bonus

The current sign up bonus for the card with our referral link is for 75,000 Marriott Bonvoy points after you make $3,000 in purchases within the first 3 months.

Here is our referral link. To see the offer for the business card, first click on “View All Cards with a Referral Offer.”

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Then click on “Looking for a Business Card?”

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We receive bonus Marriott Bonvoy points if you sign up with our link.

Annual Fee

$125 Annual Fee

Spending Categories

When spending on the card, you earn points in the Marriott Bonvoy program as follows:

  • Earn 6 points for every dollar of eligible purchases at participating Marriott Bonvoy properties
  • Earn 4 points for every dollar of purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
  • Earn 2 points for all other eligible purchases

Card Benefits

Let’s look at what benefits you get with Marriott for having the card:

  • Free in-room premium internet (when booking directly through Marriott). There’s quite a list of hotels that don’t participate in the free premium internet benefit, that can be found here.
  • Complimentary Silver Elite Status. Ability to earn Gold Elite status if you spend $35,000 or more on eligible purchases in a calendar year
  • Receive 15 Elite Night Credits to be used to reach the next level of status. You only receive 15 nights no matter how many Bonvoy credit cards you have.
  • Receive 1 Free Night Award every year after your Card account anniversary. 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.
  • No Foreign Transaction Fees

Ways to Use Marriott Bonvoy Points

Points earned with the Marriott Bonvoy Business AMEX card can be used to stay at Marriott properties. Also, you’re able to transfer points to many different airline frequent flyer programs (possibly with a bonus, depending on how many points you transfer). That’s not counting the additional options of Marriott Bonvoy Moments (which I explain later in this post).

Hotel Stays

Points can be used for award stays at any of the Marriott Bonvoy hotels. This covers 30 chains worldwide:

  1. The Ritz-Carlton
  2. St. Regis
  3. JW Marriott
  4. Ritz-Carlton Reserve
  5. The Luxury Collection
  6. W Hotels
  7. EDITION
  8. Marriott Hotels
  9. Sheraton
  10. Marriott Vacation Club
  11. Delta Hotels
  12. Le Meriden
  13. Westin
  14. Autograph Collection
  15. Design Hotels
  16. Renaissance Hotels
  17. Tribute Portfolio
  18. Gaylord Hotels
  19. Courtyard Hotels
  20. Four Points
  21. SpringHill Suites
  22. Protea Hotels
  23. Fairfield Inn & Suites
  24. AC Hotels
  25. Aloft Hotels
  26. Moxy Hotels
  27. Marriott Executive Apartments
  28. Residence Inn
  29. TownPlace Suites
  30. element

Flights

You can transfer points to the frequent flyer programs of over 30 different airlines. The transfer ratio is 3 points to 1 mile for most airlines and you get a bonus of 5,000 extra miles when you transfer 60,000 points. That means it’s best to transfer only in 60,000 point increments, where your 60,000 points will give you 25,000 miles. A change from the previous transfer ratio is with United Airlines. Whereas a transfer to United was a previously a horrible deal, you’ll now get a 10% bonus when sending points to United.

FREQUENT FLYER PROGRAMS POINTS : MILES
Aegean Airlines 3:1
Aeroflot Bonus 3:1
AeroMexico ClubPremier 3:1
Air Canada Aeroplan 3:1
Air China Phoenix Miles 3:1
Air France/KLM Flying Blue 3:1
Air New Zealand Airpoints™ 200:1
Alaska Airlines Mileage Plan® 3:1
Alitalia MilleMiglia 3:1
ANA Mileage Club 3:1
American Airlines 3:1
Asiana Airlines Asiana Club 3:1
Avianca LifeMiles 3:1
British Airways Executive Club 3:1
Asia Miles™ 3:1
China Eastern Airlines Eastern Miles 3:1
China Southern Airlines 3:1
Copa Airlines ConnectMiles 3:1
Delta SkyMiles® 3:1
Emirates Skywards® 3:1
Etihad Guest 3:1
Frontier Miles 3:1
Hainan Airlines 3:1
Hawaiian Airlines HawaiianMiles® 3:1
Iberia Plus 3:1
Japan Airlines JAL Mileage Bank 3:1
Jet Airways JetPrivilege® 3:1
JetBlue TrueBlue™ 6:1
Korean Air SKYPASS 3:1
LATAM Airlines LATAMPASS 3:1
Lufthansa Miles & More (Suspended) 3:1
Multiplus 3:1
Qantas Frequent Flyer 3:1
Qatar Privilege Club 3:1
Saudia Airlines Alfursan 3:1
Singapore Airlines KrisFlyer® 3:1
South African Airways Voyager 3:1
Southwest Airlines Rapid Rewards® 3:1
TAP Air Portugal 3:1
THAI Airways 3:1
Turkish Airlines Miles&Smiles 3:1
United MileagePlus® 3:1.1
Virgin Atlantic® Flying Club 3:1
Virgin Australia Velocity Frequent Flyer 3:1

Other uses for Marriott Bonvoy points

There are also other interesting ways for you to spend your points. One of those is the Marriott Bonvoy Moments program. Some of the events they offer a set price are:

  • Access Marriott Bonvoy Luxury Suite for Billy Joel, Mariah Carey and Andrea Bocelli at Madison Square Garden
  • Watch a Celtics game at TD Garden from VIP seats

Besides the fixed price tickets, they also have auctions for more “once in a lifetime” events:

  • Savor a Private Dinner with Chef José Andrés at his Michelin-Starred Restaurant, minibar – Seating at Chef’s Counter
  • See Kacey Musgraves, CHVRCHES, Beck, Foo Fighters and More with Two-Day VIP Wristbands to the Intersect Festival
  • Dine at Michelin Starred Restaurant Le Bernardin + Kitchen Tour
  • Minnesota Vikings v Green Bay Packers Lower Bowl Tickets + Pre-Game Sideline Passes

For one of the most expensive uses of points, here’s an article by Dan, of the website Dan’s Deals, who won an auction to throw out the ceremonial first pitch before Game 7 of the World Series at Wrigley Field for 1,060,500 Starpoints (the equivalent of over 3 million Bonvoy points).

Final Thoughts

Sharon and I both had this card when it was the SPG Business AMEX. Once the Marriott Bonvoy merger took place, there was no reason for us to keep this card and the Marriott Bonvoy Premier Plus Business Credit Card From Chase. Since we’d never be able to apply for the Chase Marriott Business card again because it was being discontinued, that was the one we decided to keep. There was no additional reason to keep the AMEX card once it lost the benefit of lounge access at Sheraton hotels.

If you’ve never had the card before, the 75,000 Marriott Bonvoy point sign up bonus is a solid incentive. The Bonvoy Business card does have some interesting bonus categories, earning extra points for your wireless phone bill and shipping charges. Other cards also provide bonuses in those categories, but not many.

It’s questionable if you’re doing much more than breaking even with the annual free night at Marriott Bonvoy properties costing 35,000 or less for the $125 annual fee. There eventually is a point when you need to ask how many free nights do you need every year.

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This post first appeared on Your Mileage May Vary

One thought on “Credit Card Review: Marriott Bonvoy Business American Express”

  1. Unless you have a plan to achieve platinum status in the Marriott Bonvoy program, there is no need to mess with their cards now that Hilton offers diamond just for having the premium card. Hilton hotels also have lounges and suites, so there you go.

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