Marriott Bonvoy Business American Express Card by American Express: 6x hotels, 4x dining & restaurants, 4x gas stations, 4x shipping / postage, 4x…
The Marriott Bonvoy Business American Express Card is American Express's mid-tier credit card. The $125/yr annual fee includes a 150,000-point welcome bonus after spending $8,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$1200. Annual statement credits: $0. Minus the $125 annual fee = ~$1075 in year-one net value before any spending earn. RewardsGuru rating: 4.4/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
150,000 points after spending $8,000 in the first 6 months. At our ~0.8¢/pt valuation, that's roughly $1200 in real value.
Year-one math: welcome bonus value (~$1200) + annual credits ($0) − $125 fee = ~$1075 net before spending earn. Year-two onward, the credits alone need to clear $125 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.