Marriott Bonvoy Business™ American Express® Card

For People with
Good Credit

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American Express is a Credit Card Insider advertiser

This card was formerly called the Starwood Preferred Guest® Business Credit Card from American Express.

Use the Marriott Bonvoy Business™ American Express® Card and earn points you can use for award nights at over 1,100 hotels and resorts in nearly 100 countries.

You’ll get 6X Bonus points per dollar from the card at Marriott Bonvoy properties, in addition to at least 11X Base points from your complimentary Silver Elite status. An introductory bonus of 75,000 points can be earned by spending $3,000 in the first 3 months.

Cardholders get a Free Night Award every year after their account anniversaries, along with free premium WiFi and other hotel perks.

The Bonvoy Business card has an annual fee of $125 per year. You’ll pay no foreign transaction fees when traveling outside the country or making purchases in foreign currency.

Card Quick Facts

Card Quick Facts

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points 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. 2x points on all other eligible purchases.
  • 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.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees

For People with
Good Credit

Apply Now

American Express is a Credit Card Insider advertiser

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Card Details



  • 17X points per dollar or more at Marriott Bonvoy properties
    • 6X Bonus points per dollar from the card
    • 11X Base points per dollar or more on eligible purchases for being a Marriott Bonvoy member
  • 4X Bonus points per dollar spent on:
    • U.S. restaurants
    • U.S. gas stations
    • Wireless telephone services purchased directly from U.S. providers
    • U.S. purchases of shipping
  • 2X Bonus points per dollar spent on all other purchases
How to Redeem

Introductory Bonus

  • 75,000 bonus points if you make $3,000 in purchases within the first 3 months
Card Stats

Card Stats

Annual Fee $125
Additional Cards Annual Fee $0
Regular Purchase APR 17.74–26.74% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free Night Award

    Get one Free Night Award every year (good for redemptions up to 35,000 points), beginning after your first account anniversary.

  • Additional Free Night Award

    Spend $60,000 or more annually and you can get an additional free night award (valued up to 35,000 points).

  • Automatic SPG Preferred Status

    Includes some complimentary services and discounts of up to 30% at Starwood hotels and resorts, which includes 11 brands and over 1,500 locations worldwide.

  • SPG Gold Status

    When you spend $30,000 or more in each year, receive Gold status for the next year.

  • Elite Night Credits

    15 Elite Night credits per year to help reach the next level of Marriott Bonvoy status even faster (can’t be combined with the same benefit from other credit cards).

  • Fast Track to SPG Gold and Platinum Status

    Get 5 nights and 2 stays towards SPG elite status each year (20 more nights to reach Gold, 45 more nights to reach Platinum).

  • Bonus Points When Transferring To Flights

    Get 5,000 bonus Starpoints for transferring 20,000 miles to a frequent flyer program.

  • Sheraton Club® Lounge Access

    Relax in the Sheraton club with a complimentary breakfast, snacks throughout the day, and free WiFi. Learn more here.

  • Free In-room Premium Internet

    Some booking requirements apply.

  • Complimentary In-room Bottled Water

    Get free bottled water waiting for you in your room.

  • Unlimited Boingo Wi-Fi

    Up to 4 devices at more than 1,000,000 Boingo hotspots worldwide.

  • Register for Cross-Over Rewards

    You’ll be able to register your card with a number of other merchants and frequent traveler programs, which will let you earn points at a rate of 1 per dollar with those merchants when you use your SPG card.

  • Lowest Hotel Rate Guarantee

    If you purchase reservations at a hotel on and find the same room being advertised for less elsewhere, you can have difference refunded to you.

  • Entertainment Access

    Discounts to card member-only events, concerts, sporting events, and shows.

  • No Blackout Dates

    On Free Night redemptions.

  • Mobile & Tablet Banking

    Pay your credit card bill online, transfer funds, check available credit and more.

  • Free ShopRunner Membership

    ShopRunner provides free shipping on some items. Visit their website to register.

  • Account Alerts

    Get alerts about account information on your phone.

  • Dispute Resolution

    Help dealing with fraudulent and unauthorized transactions.

  • Extended Warranty

    For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty; up to a maximum of $10,000, only $50,000 per year.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    Provides a refund for eligible purchases if the retailer won’t take an item back.

  • Global Assist® Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Travel Accident Insurance

    Added financial security if accident or death is caused when traveling by plane, train, ship, or bus.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You cover third party costs. Restrictions Apply.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.

  • Baggage Insurance Plan

    When you buy a Common Carrier ticket, your lost, damaged, or stolen bags may be covered, up to $1,250 for carry-on bags and up to $500 for checked bags.

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