AMEX Marriott Bonvoy Business Credit Card

The Marriott Bonvoy Business American Express credit card in Canada is a rewards credit card designed for business travelers and Marriott loyalists. Key features of the card include:

Rewards Program: Cardholders earn Marriott Bonvoy points for every dollar spent, with accelerated points earned on purchases at Marriott properties and eligible travel purchases.

Marriott Benefits: Cardholders enjoy automatic Silver Elite status within the Marriott Bonvoy loyalty program, which provides perks like late checkout, exclusive member rates, and a 10% bonus on points earned from stays.

Travel Insurance: The card may offer various travel insurance benefits, including coverage for lost or delayed baggage, travel accident insurance, and more.

Expense Management: Business-specific features such as the ability to track and categorize business expenses help manage finances efficiently.

Purchase Protection: Cardholders may benefit from purchase protection, which can cover eligible items against theft or damage for a limited time after purchase.

Foreign Transaction Fees: It’s important to check whether the card charges foreign transaction fees for purchases made outside of Canada, as this can impact the overall cost of using the card abroad.

Access to Amex Offers: Cardholders may have access to special offers and discounts through American Express.

Card Summary:

The annual fee is $150, with an additional $50 fee for a supplementary card. The interest rate for purchases is 20.99% and for cash advances is 21.99%.

Rewards Summary:

– You will earn 5 points for every $1 spent on Card purchases at participating Marriott Bonvoy hotels.

– You can get 3 points for every $1 spent on eligible gas, dining, and travel with the Card.

– You will earn 2 points for every $1 spent on all other purchases made with the Card.

Benefits Summary:

– Obtain 15 Elite Night Credits each year for Elite status with the Marriott Bonvoy® Business Amex Card.

– Annually, after your Cardmember anniversary, you will receive a Free Night Award that is usable at any time.

– Attain Gold Elite status by either spending $30,000 annually or combining 10 qualifying paid nights and 15 Elite Night Credits.

– Through Business Accelerated Earn Rates, earn 5 points per $1 on eligible gas, dining, and travel.

Coverage Summary:

Travel Emergency Assistance.

$500,000 Travel Accident Insurance.

Car Rental Theft and Damage Insurance.

Flight Delay Insurance.

Lost or Stolen Baggage Insurance.

Hotel Burglary Insurance.

Buyer’s Assurance Protection Plan.

Purchase Protection Plan.

This card is excellent for providing additional cards to employees and comes with management tools at no extra cost. It offers a great business travel experience. However, it lacks comprehensive travel protection. While other cards provide a full range of travel protection, this card only offers car rental coverage.

If you are a frequent Marriott customer, the AMEX business credit card that rewards you Marriott Bonvoy points could be beneficial for you. However, it comes with a high annual fee. The card provides generous travel rewards but has limited travel insurance coverage.

Editor’s Review: AMEX Marriott Bonvoy Business Credit Card

The Marriott Bonvoy Business American Express credit card is a strong contender for business travelers and Marriott loyalists in Canada. With a comprehensive rewards program, travel benefits, and essential business tools, it stands out as a versatile card. Here’s a detailed breakdown of its features, benefits, and potential drawbacks.

Rewards Program

The rewards program is one of the card’s standout features. Cardholders earn Marriott Bonvoy points on every purchase, with enhanced earning rates for Marriott properties and eligible travel expenses. Specifically, you’ll get:

• 5 points per $1 spent at participating Marriott Bonvoy hotels.
• 3 points per $1 on eligible gas, dining, and travel purchases.
• 2 points per $1 on all other purchases.

This tiered structure ensures you can accumulate points quickly, especially if you frequently stay at Marriott properties or spend significantly on travel and dining.

Marriott Benefits

Cardholders receive automatic Silver Elite status, providing perks like late checkout, exclusive member rates, and a 10% bonus on points earned from stays. Additionally, the card offers:

• 15 Elite Night Credits each year, aiding in faster attainment of higher status tiers.
• Free Night Award annually after your Cardmember anniversary.
• Path to Gold Elite Status by spending $30,000 annually or combining 10 qualifying paid nights with 15 Elite Night Credits.

These benefits significantly enhance the value proposition for Marriott Bonvoy members, offering tangible rewards and status upgrades that improve travel experiences.

Travel and Purchase Protections

The card is packed with travel insurance benefits:

• $500,000 Travel Accident Insurance
• Car Rental Theft and Damage Insurance
• Flight Delay Insurance
• Lost or Stolen Baggage Insurance
• Hotel Burglary Insurance
• Travel Emergency Assistance

Additionally, purchase protections include:

• Buyer’s Assurance Protection Plan
• Purchase Protection Plan

These coverages provide peace of mind, making it a robust option for frequent travelers concerned about travel disruptions and purchase security.

Business-Specific Features

Expense management is simplified with tools that help track and categorize business expenses. This is particularly useful for business owners needing to manage and analyze spending efficiently.

Fees and Rates

The card comes with an annual fee of $150, with an additional $50 fee for supplementary cards. The interest rates are 20.99% for purchases and 21.99% for cash advances. These fees are competitive but should be weighed against the card’s benefits to determine if it’s the right fit for your spending habits.

Welcome Bonus

New cardholders can earn 50,000 Marriott Bonvoy points after spending $1,500 in the first three months. This substantial welcome bonus can jumpstart your points balance, offering great value early on.

Potential Drawbacks

• Foreign Transaction Fees: It’s crucial to confirm if the card charges foreign transaction fees, as these can add up during international travel.
• Annual Fee: While the benefits can outweigh the cost, the annual fee may be a consideration for those who do not fully utilize the rewards and benefits.

Conclusion

The AMEX Marriott Bonvoy Business Credit Card is a solid choice for business travelers and Marriott enthusiasts in Canada. Its rich rewards program, Marriott-specific perks, extensive travel insurance, and business-friendly features make it a versatile and valuable tool for managing expenses while maximizing travel benefits. However, potential cardholders should evaluate the annual fee and foreign transaction fees to ensure the card aligns with their financial and travel habits.

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Disclaimer: Refer to the credit card official web page for the latest up to date rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.