Does it make sense to get a new Marriott Bonvoy business credit card?

3d ago

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The extensive Marriott Bonvoy program currently has four cobranded credit cards available to new applicants. There are three personal credit cards — including a no-annual-fee card, a sub-$100-annual-fee option from Chase and a premium credit card from Amex — and one small-business credit card: the Marriott Bonvoy Business™ American Express® Card.

There are a few reasons why you might want to consider the Marriott Bonvoy Business Amex if you already have one or more of the Marriott Bonvoy personal credit cards.

Having a business credit card can help keep your personal and professional expenses separate, it opens up new and different bonus earning categories and it does not affect your personal credit score in the same way that having a regular consumer credit card does. On top of that, this can really help you take the express train to Marriott elite status and get a nice influx of points from the welcome bonus.

On top of all this, the Marriott Bonvoy Business Amex is also one of the best all-around business card for hotel rewards currently available.

But what if you still have the now-discontinued Marriott Bonvoy Premier Plus Business Card from Chase? Does it make sense to switch to the Amex-issued card? Should you carry both?

Let’s take a closer look to find out.

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In This Post

Which card do you have?

Ever since the creation of the Marriott Bonvoy program as we know it (when Marriott and Starwood Preferred Guest became one), both American Express and Chase have shuffled their cobranded credit cards, with some discontinuations, some evolutions and some simple renaming.

On the personal credit card roster, that means travelers have a choice between the Marriott Bonvoy Bold Credit Card, the Marriott Bonvoy Boundless Credit Card and the premium Marriott Bonvoy Brilliant™ American Express® Card.

On top of those three personal cards, there are also two distinct Marriott Bonvoy business cards: The Marriott Bonvoy Business American Express Card and the Marriott Bonvoy Premier Plus Business Card from Chase. The latter is no longer available to new applicants, but if you had the card from before, you can still hang on to it for now.

Here’s a quick side-by-side overview of the cards and their benefits.

Marriott Bonvoy Business American Express Card

 

Marriott Bonvoy Premier Plus Business Credit Card from Chase

 

Welcome offer/Sign-up bonus Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $150 back in statement credits on eligible purchases made on the card in the first 3 months of card membership. No longer open to new applicants.
Annual fee $125 (see rates & fees) $99
Earning 6x points at Marriott; 4x at U.S. restaurants, gas stations, wireless phone and shipping; 2x on everything else. 6x at Marriott; 4x at restaurants, gas stations, shipping, internet, cable and phone; 2x on everything else.
Annual free night certificate Free night worth up to 35,000 points; another after spending $60,000 in a calendar year. Free night worth up to 35,000 points; another after spending $60,000 in a calendar year.
Elite status Automatic Marriott Bonvoy Silver Elite status; Gold Elite status after making $35,000 in eligible purchases on your card in a calendar year.

15-night credit toward the next level of elite status.

Automatic Silver Elite status; Gold Elite status with $35,000 calendar year spending on your card.

15-night credit toward the next level of elite status.

Foreign transaction fees Waived (see rates & fees) Waived
Discount programs Amex Offers Visa SavingsEdge
Travel benefits Premium in-room internet; car rental loss and damage insurance; baggage insurance plan. Primary rental car insurance; trip cancellation/interruption up to $5,000; lost luggage up to $3,000; trip delay up to $500.
Purchase protection Up to $1,000 per occurrence, $50,000 per calendar year. $10,000 per claim up to $50,000 per year.
Extended warranty 1 extra year 1 year

The information for the Marriott Bonvoy Premier Plus Business Credit Card from Chase has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Now let’s take a look at how the two compare and which one might be right for your needs.

Marriott Bonvoy Business American Express Card

This is the only Marriott business credit card that’s available for new applicants. It has several compelling benefits that should keep it on your radar. You can read our full card review, but here are the main details:

  • Current welcome offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first three months. Plus, earn up to $150 back in statement credits on eligible purchases made on the card in the first three months of card membership.
  • Annual fee: $125 (see rates and fees)
  • Earning: 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 everything else.
  • Free award night: Each year after your account anniversary, get an award night that can be used at properties costing up to 35,000 points. Plus, earn an additional free night award after spending $60,000 in purchases on your card in a calendar year.
  • Complimentary Silver Elite status: Cardholders receive 15 nights of elite credit each year, enough for automatic Silver status with Marriott Bonvoy and just 10 short of Gold status. Upgrade to Gold status after spending $35,000 on the card in a calendar year. The elite night credits can be stacked with a Marriott Bonvoy consumer card which means you can have 30 elite qualifying nights just from holding two credit cards.
  • No foreign transaction fees (see rates and fees).
  • Premium on-property internet access: Enjoy complimentary in-room, premium internet access at participating Marriott Bonvoy hotels.
  • Amex Offers savings: Enjoy percentage and dollar discounts at participating merchants through Amex Offers.
  • Employee/additional cards: Add up to five for free.
  • Travel benefits: Up to $1,250 for lost luggage.
  • Purchase benefits: Purchase protection of up to $1,000 per incident and $50,000 per year. Warranty extension of up to one year.

Related: 7 great uses of Marriott 35,000-point free night certificates

Eligibility

Now for some fine print. While the Marriott Bonvoy Business American Express Card is available to new applicants, you will not qualify for the welcome offer if you currently have or have had any of the following cards in the last 30 days:

  • The Marriott Rewards Premier Business Credit Card from Chase (now the Marriott Bonvoy Premier Plus Business Card)
  • The Marriott Rewards Business Credit Card from Chase (now the Marriott Bonvoy Business Card)

Or have acquired any of the following cards from Chase in the last 90 days:

  • The Marriott Rewards Premier Plus Credit Card from Chase (now the Marriott Bonvoy Boundless Card)
  • The Marriott Rewards Premier Credit Card from Chase (now the Marriott Bonvoy Premier Card)

Or have received a welcome bonus for any of the following cards from Chase in the last 24 months:

  • The Marriott Rewards Premier Plus Credit Card from Chase (now the Marriott Bonvoy Boundless Card)
  • The Marriott Rewards Premier Credit Card from Chase (now the Marriott Bonvoy Premier Card)

Basically, you will not be eligible for the Marriott Bonvoy Business American Express Card if you were a cardholder of either of the Marriott personal or business credit cards from Chase within the last 30 days or if you applied for any of the Chase Marriott personal cards within the last two years. Those are some stringent limitations. But if you haven’t dabbled extensively in the Marriott card market lately, you might be eligible for this card sooner than you think.

If you can’t remember those dates offhand, you can check your account histories and ages using a resource like Credit Karma to see where you fall on this timeline.

Marriott Bonvoy Premier Plus Business Card from Chase

As mentioned, this card is not available to new applicants anymore. However, if you already have it, you should review its benefits to analyze whether it might be worth holding on to or canceling to get in on a welcome bonus on the Marriott Bonvoy Business American Express Card.

  • Sign-up bonus: No longer available.
  • Annual fee: $99
  • Earning: 6x points at participating Marriott Bonvoy hotels; 4x points at restaurants, gas stations, shipping, internet, cable and phone services; 2x points on everything else.
  • Free award night: Each year after your account anniversary, get a free award night that can be used at properties that cost up to 35,000 points. Plus, earn an additional free night award after spending $60,000 in purchases on your card in a calendar year.
  • Complimentary Silver Elite status: Cardholders receive 15 nights of elite credit each year, enough for Silver status with Marriott Bonvoy and just 10 short of Gold status. Upgrade to Gold status after spending $35,000 on the card in a calendar year.
  • No foreign transaction fees.
  • Employee/additional cards: Free
  • Visa SavingsEdge: Cardholders can enjoy discounts at participating merchants.
  • Travel benefits: Trip cancellation/interruption insurance up to $5,000 per trip. Trip delay reimbursement up to $500 per ticket. Up to $3,000 for lost luggage. Primary rental car insurance on most cars in the U.S. and abroad.
  • Purchase benefits: Purchase protection of up to $10,000 per claim and $50,000 per year. Warranty extension of up to one year.

Now for a quick comparison of how the two cards stack up.

Related: Which Marriott Bonvoy credit card is right for you?

Comparison and takeaways

Which Marriott Bonvoy business credit card is a better fit for you? (Photo by The Points Guy)

As you can see, the cards are actually quite similar in terms of their benefits. They have a few major differences, though.

First, only the American Express card is available to new applicants and is currently offering a sizable welcome offer worth $750 by TPG valuations. Its annual fee is also $125 (see rates and fees) versus the Chase card’s lower $99 fee.

Ostensibly, the cards have the same earning rates, but there are two important distinctions to point out. The Amex card’s 4x bonus category is only for merchants in the U.S., while those on the Chase card are available worldwide. Second, the Chase card earns 4x points on shipping, internet, cable and phone services.

Meanwhile, the Amex only earns that on wireless telephone services purchased directly from U.S. service providers and on U.S. shipping purchases. However, in 2021, the Amex-issued small-business card also awards $15 back per month on U.S. wireless services charged to the card (up to 11 times).

So depending on where you’re making business-related expenditures and which services you actually spend money on, your earning could look very different.

Frequent travelers should appreciate the Amex version’s premium in-room internet, which the Chase card doesn’t offer.

The Marriott Bonvoy Business Amex comes with premium in-room internet. (Photo by Benji Stawski/The Points Guy)

As for savings, the Chase card participates in Visa SavingsEdge, which is a discount program at participating merchants. There are usually just a handful of offers, such as 2% off at Texaco and Chevron gas stations, 5% off Mailchimp and 5% off La Quinta Inns & Suites.

Amex cardholders are eligible for account-specific Amex Offers. Bargains for this specific card have included $100 back when spending $350 or more on Silvercar, 10% back (up to $1,000 total) at FedEx Office or 25% back (up to $1,000) on FedEx shipping, 10% back (up to $1,500) on Dell.com, and $100 when spending $175 or more on AT&T wireless for business (up to two times), among dozens of others.

The Chase card’s travel and purchase benefits also seem to be more comprehensive, and if you rent a car often for business, its primary auto coverage can come in handy.

Given all the similarities it likely doesn’t make sense to carry both cards at the same time. Although their elite night credits can be stacked with a Marriott Bonvoy consumer card, you can’t stack the two business cards’ credits. Also, you’d be forgoing the Marriott Bonvoy Business American Express Card‘s welcome bonus if you apply while still holding the Chase business card.

Related: How to earn lots of Marriott Bonvoy points

Marriott has thousands of properties around the world. (Photo courtesy of Marriott)

Bottom line

Carrying the Marriott Bonvoy Premier Plus Business Card from Chase and Marriott Bonvoy Business American Express Card simultaneously probably won’t make sense unless you really value the 35K anniversary award night provided by each card very highly. So, as with all credit card considerations, look at which card offers the best return on your spending.

If you already have the Marriott Bonvoy Premier Plus Business Card from Chase, you might want to consider hanging on to it a while longer since it earns slightly different bonuses, which also apply to international purchases. Just keep in mind that continuing to carry it might preclude you from welcome bonuses on other Marriott Bonvoy cards in the future.

For its part, the Marriott Bonvoy Business American Express Card is offering a strong welcome offer of 75,000 bonus Marriott points and a $150 statement credit with $3,000 in spending in the first three months that might make it well worth applying (if you meet the eligibility requirements). With an annual free night award worth up to 35,000 points and the opportunity to spend your way to Gold status and an additional award night, plus decent bonus earning opportunities, this card is a solid choice both for Marriott loyalists and general travelers looking to put some hotel points up on the board.

Eric Rosen contributed to this post.

For rates and fees of the Bonvoy Business Amex, click here.

Featured photo of the AC Hotel Maui Wailea courtesy of Marriott.

Marriott Bonvoy Business™ American Express® Card

Earn 75,000 Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within your first 3 months of Card Membership.  TPG values 75K Bonvoy points to be worth around $600. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card within the first three months of account opening. 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.

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More Things to Know
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 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
Regular APR
15.74% - 24.74% Variable
Annual Fee
$125
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.