Marriott Bonvoy Business Card
$95 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $95”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $50 | $50 |
| Typical spender | $265 | $265 |
| Heavy spender | $745 | $745 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 4x U.S. purchases for shipping; points valued at an assumed 0.5¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Marriott Bonvoy
- 6× pointsEligible purchases at hotels participating in Marriott Bonvoy
- 4× pointsPurchases at restaurants worldwide
- 4× pointsPurchases at U.S. gas stations
- 4× pointsWireless telephone services purchased directly from U.S. service providers
- 4× pointsU.S. purchases for shipping
- 2× pointsEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $95” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Complimentary Marriott Bonvoy Gold Elite status
- 15 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status
- Earn 1 Free Night Award every year after the Card renewal month; the award can be used for one night at participating Marriott Bonvoy hotels at a redemption level at or under 35,000 Marriott Bonvoy points.
- Earn an additional Free Night Award after spending $60,000 in purchases on the Card in a calendar year.
- Redeem Marriott Bonvoy points for free night awards at participating Marriott Bonvoy hotels at a redemption level at or under 35,000 points after renewal of Card membership.
- Redeem points for flights or car rentals through the Air+Car Transfer Program across hundreds of travel partners.
- Receive a 7% discount on eligible bookings at participating Marriott Bonvoy hotels when booking directly through an eligible Marriott channel under the Amex Business Card Rate.
- Gold Elite status includes a 25% Bonus Points on Stays benefit, allowing members to earn up to 2.5X additional points from Marriott Bonvoy on eligible hotel purchases.
- Free in-room premium Internet access at participating Marriott Bonvoy hotels; booking requirements apply.
- No foreign transaction fees on purchases abroad.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance; third-party costs are the Card Member's responsibility.
- Employee Cards can be issued with spending limits set by the business, and points can be earned on employee purchases.
- QuickBooks integration, Account Manager access, Year-End Summary, online statements, American Express App access, and Vendor Pay by BILL are available business-account features.
- Receive up to 18.5X total Marriott Bonvoy points at participating Marriott Bonvoy properties when combining Card, Marriott Bonvoy membership, and the 25% Bonus Points on Stays benefit.
- Extended warranty
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
- Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, a $10,000 aggregate maximum limit applies for all Covered Persons per Covered Trip.
- Rental car
Questions
- What is the annual fee?
- $95 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$205 a year
- Bilt ObsidianBilt · $95 a year+$175 a year
- Bank of America Premium RewardsBank of America · $95 a year+$115 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).