American Express
Marriott Bonvoy Business
What it is
The Marriott Bonvoy Business is an American Express business card earning Marriott Bonvoy points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. The cheap Marriott keeper: a low fee buys a 35k-point anniversary free night that usually clears the fee on its own, plus Gold status and elite-night credits that stack with a personal Marriott card.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | 150,000+ $125 credit$8k · 180d | $1,280 | $1,462 | 16% | May ’26 |
PUBLIC ATH | 5 free nights$6k · 180d | $1,925 | $2,107 | 32% | Mar ’26 |
PUBLIC | 3 free nights$6k · 180d | $1,155 | $1,337 | 19% | Jan ’26 |
What you get
- Anniversary free night$270per year
Automatic annual Free Night up to 35k pts. ~$270 value vs $125 AF = clear low-fee keeper. · up to 35,000 Marriott
- Marriott Gold status$100per year
Complimentary Gold Elite (USCCG 2026-03-13).
- 15 elite night credits$75per year
15 elite night credits toward Marriott Bonvoy status each year.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| Welcome bonus | +$1,280 |
150,000 Marriott × 0.77¢/pt$1,155 Statement credit$125 | |
| Ongoing benefits (yr 1) | +$307 |
Anniversary free night(35,000 Marriott · $270 × 85%) Anniversary free night 35,000 Marriott · $270 × 85% $229 Marriott Gold status($100 × 40%) Marriott Gold status $100 × 40% $40 15 elite night credits($75 × 50%) 15 elite night credits $75 × 50% $38 | |
| Annual fee | −$125 |
| Year 1 | $1,462 |
| Return on $8k MSR | 16% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Marriott Bonvoy Business scores 57 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →