Marriott Bonvoy Business® American Express® Card Review: 3 Free Night Awards Offer (Worth Up To 150K Total Marriott Bonvoy Points)
The Marriott Bonvoy Business® American Express® Card is the re-branded business credit card of the Marriott Bonvoy program. This card offers unique perks for Marriott customers, along with a generous new customer incentive (especially during a limited-time offer). Here are the highlights:
Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy(R) program.
4x points for purchases made at restaurants worldwide, 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 renewal month. 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(R) points) at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business(R) American Express(R) Card.
Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Boundless Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold Credit Card from Chase, the Marriott Bonvoy Premier Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Boundless Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold Credit Card from Chase, the Marriott Bonvoy Premier Plus Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase.
This is more specific than before, note the different 30-day, 90-day, and 24-month waiting periods that may now include consumer cards. American Express usually gives you a pop-up warning during the application process if you are ineligible based on their records. This is why you should be looking to get the best possible bonus (like a limited-time offer) when you do apply.
Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.
NEW: Certificates can be combined with up to 15,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. In other words, if your certificate is worth 35,000 points, the maximum hotel value you can redeem for is 50,000 points after adding 15,000 points of your own. if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 65,000 points after adding 15,000 points of your own.
What is a reasonable estimate for the value of a Marriott Bonvoy point? Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. That means 50,000 Bonvoy points = estimated $350 redeemable value, and 100,000 Bonvoy points = estimated $700 redeemable hotel night value. However, I almost always get closer to 1 cent per point value when I actually choose to redeem. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points.
50k Free Night Award (Welcome Offer). Based on a few quick searches (log in and try to book with points), the following premium hotels can potentially be booked for 65,000 points or less.
The Westin Hapuna Beach Resort, Big Island, Hawaii
The Royal Hawaiian in Waikiki, Oahu, Hawaii
The Ritz-Carlton, Bali
Le Meridien Maldives Resort & Spa
JW Marriott Venice Resort & Spa
35k Free Night Award (Anniversary). At your card anniversary, you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 or even $125 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that may qualify under the 35,000 point limit (* Marriott no longer publishes a fixed point award chart):
Sheraton Kona Resort (Big Island, Hawaii)
Courtyard Waikiki Beach (Honolulu, Oahu)
Sheraton Kauai Resort (Kauai, Hawaii)
New York Marriott at the Brooklyn Bridge
Chicago Marriott Downtown Magnificent Mile
The Ritz-Carlton, Beijing, China
The S. Regis Bangkok, Thailand
Bottom line. The Marriott Bonvoy Business® American Express® Card is the co-branded business card between Marriott hotels and American Express. You also get a Free Night Award at card anniversary, which can be worth much more than the annual fee.
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