Pros & cons
Pros
- Get up to 60,000 welcome bonus points.
- Earn 5 points per $1 spent on at Marriott properties
- 3 points per $1 spent on gas, dining and travel.
- Annual free night certificate worth 35,000 points.
- Automatic Silver Elite status.
Cons
- Lower acceptance as an American Express.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 60,000 points which translates to an estimated $582.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Marriott Bonvoy Business American Express Card, here's how you earn rewards:
- 5 points per $1 spent at Marriott properties
- 3 points per $1 spent on gas , dining , and travel
- 2 points per $1 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Marriott Bonvoy Business American Express Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Travel packages | $670 | |
| Hotels | $570 | |
| Transfer to Aeroplan for flights | $488 | |
| Flights | $276 | |
| Merchandise | $218 | |
| Gift Cards | $200 | |
| Car rentals | $76 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Travel packages | 1.14 cents | $11 |
| Hotels | 0.97 cents | $10 |
| Transfer to Aeroplan for flights | 0.83 cents | $8 |
| Flights | 0.47 cents | $5 |
| Merchandise | 0.37 cents | $4 |
| Gift Cards | 0.34 cents | $3 |
| Car rentals | 0.13 cents | $1 |
Calculating your annual rewards
$24,000 annual spending x 2.38% return on spending = $570 annual rewards
$570 annual rewards − $150.00 annual fee = $420 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $150.00
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance
- 21.99%
- Balance Transfer
- N/A
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
- Travel Accident
- $500,000
- Flight Delay
- $500
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $500
- Hotel Burglary
- $500
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Marriott Bonvoy Business American Express Card's 3.2 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from American Express
Our review
The Marriott Bonvoy Business American Express Card may be one of the best travel business credit cards in Canada.
With points being earned towards Marriott Bonvoy, you’ll have the ability to turn your business purchases into not only free hotel stays, but also flights from over 40 airline partners.
What you can redeem your points for
There are several ways to redeem your points.
The first is for free nights at any Marriott hotel. Some of the brands include:
- Marriott
- Sheraton
- Ritz-Carlton
- Renaissance
- Delta
- Westin
- W Hotel
- Four Points by Sheraton
- Residence Inn.
With more than 7,000 properties worldwide, it shouldn’t be too hard to find a place to use your points.
You can also transfer your points to more than 40 airline partners, most of them at a ratio of 3:1.
As an added bonus, for every 60,000 points you transfer, Marriott will give you an extra 15,000 points.
As an example, if you transfer to Aeroplan including this bonus you would get a total of 25,000 miles, enough for a round-trip flight within Canada and the continental United States. With an Aeroplan point value of 2.5 cents, this is the best way to maximize the value of your points.
Other Benefits
Here are some of the other benefits that come with this card:
- Free night stay of up to 35,000 points awarded on your anniversary,
- Upgrade to Gold Elite status after spending $30,000 in one year,
- Get 15 Elite Night Credits each year to use towards attaining the next level of Elite status, and
- Extensive travel insurance, including flight delay and travel accident.
The bottom line
There’s a lot to like with this card. A rewards plan with multiple redemption options, Marriott perks, and great insurance coverage. This card certainly rewards your business spending.
Key benefits
User review
Reviewed by 1 Canadian
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I got this card in January, unaware that Marriott Bonvoy had drastically changed the value of points since 2020. So the 70k Welcome bonus which previously would have earned four nights at a hotel now might get us one night. As points for free nights was my reason for getting this card, I’ll be cancelling it and finding a better deal.
