info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of the Marriott Bonvoy Business® American Express® Card

  • Overview of the Card’s Core Offerings: The Marriott Bonvoy Business® American Express® Card offers a suite of features tailored for both business and leisure travelers. It enhances travel experiences, maximizes rewards on business-related expenses, and provides tools that streamline business operations.
  • Rewards Program Structure:
    • 6X Points at Marriott Hotels: Earn 6 Marriott Bonvoy points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy® program, covering over 8,900 properties worldwide.
    • 4X Points on Key Business Categories: Earn 4X points at restaurants worldwide (including takeout and delivery in the U.S.), U.S. gas stations, U.S. shipping purchases, and on wireless telephone services purchased directly from U.S. service providers.
    • 2X Points on All Other Eligible Purchases: Earn 2X Marriott Bonvoy points per dollar on all other eligible purchases, ensuring steady rewards on general business spending.
Bank of Baroda Premier Credit Card
    • Welcome Offer: New cardholders can take advantage of a generous welcome offer. Currently, the card provides three Free Night Awards (each valued up to 50,000 points) after spending $6,000 on eligible purchases within the first six months of card membership. This offer is ideal for business owners who can meet the spending threshold through regular business expenses, such as travel, office supplies, or client entertainment.
    • No Foreign Transaction Fees: For businesses operating internationally or for owners who travel abroad, the card eliminates foreign transaction fees, making it cost-effective for purchases made outside the U.S. This feature ensures that cardholders can use the card globally without incurring additional costs.
    • Elite Status and Credits:
    • Complimentary Marriott Bonvoy Gold Elite Status: Cardholders automatically receive Marriott Bonvoy Gold Elite Status, which enhances the travel experience with benefits like:
    • 25% Bonus Points on eligible hotel stays.
    • Enhanced Room Upgrades, subject to availability, which may include better views or larger rooms.
    • Late Checkout (up to 2 p.m.), providing flexibility for business travelers with tight schedules.
    • Welcome Gift of points at check-in for participating properties. Gold Elite Status typically requires 25 nights per year to achieve, making this a significant perk for cardholders who may not otherwise qualify.
    • 15 Elite Night Credits: Each cardholder year, the card provides 15 Elite Night Credits toward achieving higher Marriott Bonvoy elite status levels, such as Platinum or Titanium. These credits can be stacked with credits earned from personal Marriott Bonvoy cards, accelerating the path to elite benefits like suite upgrades or lounge access.
    • Annual Free Night Award: Upon each card renewal, cardholders receive a Free Night Award worth up to 35,000 points, redeemable at participating Marriott Bonvoy properties. This award can cover stays at mid-tier hotels or offset costs at higher-end properties, adding significant value to the card’s $125 annual fee.
    • Business-Oriented Features:
    • Employee Cards: The card allows businesses to add up to 99 Employee Cards at no additional annual fee. Employee spending earns Marriott Bonvoy points for the primary cardholder, streamlining expense tracking and rewards accumulation for business-related purchases.
    • Expense Management Tools: American Express provides robust tools to help business owners manage expenses, including:
    • Account Manager: Assign an account manager to oversee transactions and monitor spending.
    • Year-End Summaries: Detailed reports to simplify tax preparation and budgeting.
    • Integration with Accounting Software: Connect the card to tools like QuickBooks for seamless expense tracking.
    • Spending Limits: Set limits on employee cards to control business expenditures.
    • Amex Offers: Cardholders gain access to Amex Offers, a program that provides statement credits or bonus points for purchases with select merchants. These offers are tailored to the cardholder’s spending patterns and can include discounts at travel, dining, or business service providers, further enhancing the card’s value.
    • Travel and Purchase Protections:
      • Trip Delay Insurance: Reimbursement for expenses like meals and lodging if a trip is delayed by six hours or more, up to $300 per trip (requires round-trip booking with the card).
      • Baggage Insurance Plan: Coverage up to $1,250 for carry-on baggage and $500 for checked baggage in case of loss or damage.
      • Car Rental Loss and Damage Insurance: Secondary coverage for damage or theft of a rental car when the card is used to pay for the rental.
      • Global Assist Hotline: 24/7 assistance for emergencies like medical or legal referrals when traveling more than 100 miles from home.
    • Purchase Protections:
      • Purchase Protection: Coverage for up to 90 days against damage or theft of eligible purchases, up to $1,000 per occurrence.
      • Extended Warranty: Extends the manufacturer’s warranty by up to one year on eligible purchases with warranties of five years or less.
      • Return Protection: Refunds up to $300 per item (up to $1,000 per year) if a merchant refuses a return within 90 days.
      These protections safeguard business investments and provide confidence when making significant purchases.
    • Premium On-Property Internet Access: Cardholders receive complimentary premium in-room Wi-Fi at participating Marriott Bonvoy properties, ensuring reliable connectivity for business tasks or leisure streaming during stays.
    • Pay Over Time Option: American Express’s Pay Over Time feature allows cardholders to carry a balance on eligible purchases with interest, providing flexibility for managing cash flow. This is particularly useful for businesses with fluctuating expenses.
    • Contactless Payments: The card supports contactless payments for quick and secure transactions, ideal for busy professionals on the go.
Premier Card Benefits

Benefits of the Marriott Bonvoy Business® American Express® Card

  • Cost Savings on Travel:
    • 7% Room Rate Discount: Cardholders who are also Marriott Bonvoy members receive a 7% discount on standard room rates at participating Marriott Bonvoy hotels when booked directly through Marriott.com. This discount applies automatically when logged into a Bonvoy account linked to the card, reducing the cost of business and leisure stays.
    • No Foreign Transaction Fees: By eliminating foreign transaction fees, the card saves businesses money on international purchases, which can add up quickly for companies with global operations or frequent overseas travel.
    • Free Night Awards:
    • Annual Free Night Award: The annual Free Night Award (up to 35,000 points) and the welcome offer of three Free Night Awards (up to 50,000 points each) provide significant savings.
    • Enhanced Travel Experience:
    • Gold Elite Status Perks: The complimentary Gold Elite Status elevates the travel experience with:
    • Priority Late Checkout: Allows business travelers to extend their stay without additional charges, accommodating late meetings or flights.
    • Room Upgrades: Enhances comfort with better rooms, such as those with city views or additional space, subject to availability.
    • Bonus Points: The 25% bonus on hotel stays accelerates point accumulation, enabling faster redemption for free nights or other rewards.
    • Elite Night Credits: The 15 Elite Night Credits help cardholders achieve higher status levels, such as Platinum Elite (50 nights), which offers benefits like lounge access and 50% bonus points.
    • Premium Wi-Fi:
    • High-Speed Internet: Complimentary premium Wi-Fi ensures high-speed internet access, critical for remote work, virtual meetings, or streaming during hotel stays.
    • Rewards Maximization:
    • High Earning Rates: The card’s 6X points on Marriott stays and 4X points on dining, gas, wireless services, and shipping make it easy to accumulate points quickly.
    • Flexible Redemption Options: Marriott Bonvoy points can be redeemed for:
    • Free Nights: Points cover stays at any Marriott Bonvoy property, from budget-friendly Fairfield Inns to luxury Ritz-Carlton resorts.
    • PointSavers: Discounted redemption rates for select properties, stretching points further.
    • Marriott Bonvoy Moments: Exclusive experiences like concert tickets or culinary events.
    • Travel Partners: Transfer points to over 40 airline partners, such as United, Delta, or British Airways, typically at a 3:1 ratio with a 5,000-mile bonus for every 60,000 points transferred.
    • Gift Cards or Merchandise: Redeem points for gift cards or products, though this often provides lower value.
    • Business Efficiency:
    • Employee Card Benefits: Adding up to 99 employee cards at no cost allows businesses to centralize spending and earn points on all employee purchases.
    • Expense Management: The card’s integration with accounting software and detailed spending reports simplifies financial management. Businesses can categorize expenses, and prepare for tax season with minimal effort.
    • Amex Offers Savings: Amex Offers can yield significant savings. For example, a $50 statement credit for spending $200 at a business service provider could offset costs for software subscriptions, directly benefiting the bottom line.
    • Protection and Peace of Mind:
    • Travel Protections: The trip delay, baggage, and car rental insurance provide financial security during travel disruptions. For instance, trip delay insurance could cover unexpected hotel stays or meals.
    • Purchase Protections: Purchase protection and extended warranty benefits safeguard business investments, such as electronics or equipment, reducing the risk of financial loss from damage or defects.
    • Global Assist Hotline: The 24/7 Global Assist Hotline offers emergency support, such as coordinating medical care or legal assistance, which is invaluable for business owners traveling internationally.
    • Long-Term Value:
    • Annual Fee Offset: The $125 annual fee is easily offset by the Free Night Award and the 7% room rate discount.A single free night at a $200 hotel covers the fee, while additional savings from discounts further enhance value.
    • Scalability for Growing Businesses: The ability to add employee cards, earn points on diverse spending categories, and leverage elite status benefits ensures the card remains valuable as travel and expense needs increase.
Check Best Gold Loan Offers

How to Apply for the Marriott Bonvoy Business® American Express® Card

  • Eligibility Requirements
    • Business Ownership: Eligible applicants include sole proprietors, LLC owners, freelancers, and gig workers with business-related expenses. You must provide a business name, Tax ID (EIN or SSN), annual revenue, and business industry.
    • Creditworthiness: A good to excellent credit score (670+) is typically required. Avoid recent bankruptcies or missed payments. Maintain a credit utilization ratio below 30%.
    • Marriott Bonvoy Membership: A Marriott Bonvoy account is required to earn and redeem points. Sign up for free at Marriott.com before applying if you don’t already have an account.
  • Step-by-Step Application Process
    • Step 1: Gather Required Information
      Collect your personal info (name, SSN, contact), business info (name, EIN, industry, revenue), and financials (monthly spending, income).
    • Step 2: Visit the Application Page
      Go to americanexpress.com or marriott.com. Locate the Marriott Bonvoy Business® American Express® Card and click "Apply Now."
    • Step 3: Complete the Application
      Fill out all required fields including personal, business, and financial information. Link your Marriott Bonvoy membership number.
    • Step 4: Review the Welcome Offer
      Confirm details like “Three Free Night Awards after $6,000 spend in 6 months.” Some offers may vary, especially for targeted applicants.
    • Step 5: Submit and Await Decision
      Submit your application. You may get an instant decision or be asked for additional documentation. Final decisions can take up to 7–10 business days.
    • Step 6: Activate Your Card
      Once approved, your card arrives within 7–14 days. Activate it online or by phone and link it to your Bonvoy account to start earning points.
  • Tips for a Successful Application
    • Maximize the Welcome Offer: Time the application with large business purchases to meet the $6,000 spending requirement quickly.
    • Check for Targeted Offers: Use the Amex Pre-Qualification Tool or check your Marriott Bonvoy account for enhanced welcome bonuses.
    • Referrals: Ask an existing cardholder for a referral link to potentially receive extra bonus points for both parties.
  • Maintain Strong Credit Health
    • Reduce existing card balances, avoid multiple new applications, and ensure all payments are current to improve approval chances.
    • Maintain good standing on other Amex cards, as Amex may review your existing relationship.
  • Understand the Card Terms
    • Review key terms such as the $125 annual fee, APR range (19.49%–27.49% variable), and Pay Over Time features before submitting.
  • Leverage Card Benefits Post-Approval
    • Track Progress: Use the Amex app or dashboard to monitor spending and activate Amex Offers.
    • Free Night Rewards: Receive your three Free Night Awards within 8–12 weeks of meeting the $6,000 spending threshold.
    • Elite Status Management: Use the 15 Elite Night Credits and Gold Elite Status to upgrade your Marriott experience. Combine with personal cards to reach Platinum Elite faster.

Eligibility Criteria for the Marriott Bonvoy Business® American Express® Card

  • Age and Residency Requirements:
    • Minimum Age for Primary Cardholder: At least 21 years old, verified through valid government-issued identification such as a passport or driver’s license.
    • Add-On Cardholder Age: Minimum 15 years old for authorized users, allowing employees or family members involved in the business to access benefits.
    • Residency Status: Available to U.S. residents with a valid residential and business mailing address within the 50 states, D.C., and U.S. territories. Non-residents must have a U.S.-based business entity and address to qualify.
  • Business Ownership and Structure:
    • Eligible Business Types: Sole proprietors, partnerships, LLCs, corporations, freelancers, and side hustles (e.g., rideshare, Etsy sellers) are eligible.
    • Proof of Business: Applicants may need to show business activity through documents like sales receipts, client contracts, or business licenses.
    • Business Age: No strict minimum, but businesses with at least one year of operations are preferred for perceived stability.
  • Business Revenue and Financial Health:
    • Minimum Revenue: No official minimum, but businesses earning even $1,000 annually may qualify. Higher revenue strengthens the application.
    • Verification Documents: Bank statements or tax returns may be required to demonstrate revenue and financial stability.
  • Credit Score and Financial History:
    • Recommended Credit Score: FICO score of 670 or higher; scores above 700 improve approval odds.
    • Personal Credit History: Clean history with no recent bankruptcies, low credit utilization, and consistent on-time payments is preferred.
    • Debt-to-Income Ratio: Should ideally be below 36% to indicate financial capacity for business credit.
  • American Express-Specific Rules:
    • Welcome Bonus Restrictions: Not available to applicants who previously held this card or a similar business card (e.g., Starwood Preferred Guest Business).
    • Five-Card Rule: Applicants should have fewer than 5 active AmEx credit cards to increase approval chances.
    • Once-Per-Lifetime Bonus Rule: Welcome offers are limited to one per card product per lifetime.
  • Additional Eligibility Considerations:
    • Marriott Bonvoy Membership: Not mandatory to apply. New cardholders are enrolled upon approval. Existing members benefit from easier integration.
    • Existing Amex Relationship: Having other AmEx cards with a positive payment history may enhance approval chances.
    • Business Owner Authorization: The applicant must be authorized to apply for credit on behalf of the business (owner, partner, or executive).
  • Tips to Meet Eligibility Criteria:
    • Raise your credit score by lowering utilization, making timely payments, and avoiding new hard inquiries 6–12 months before applying.
    • Maintain clean financial records (invoices, receipts, contracts) to demonstrate business legitimacy.
    • Highlight any current AmEx cards or Marriott Bonvoy membership during the application.
    • Review card history to ensure you're eligible for the welcome bonus.
Check Best Gold Loan Offers

Documents Required for the Marriott Bonvoy Business® American Express® Card

  • Identity Verification Documents:
    • Government-Issued Photo ID:
      • Driver’s License: Must be valid and include your full name and date of birth.
      • Passport: A U.S. passport is preferred, especially for applicants with international business dealings.
      • State ID: An alternative for those without a driver’s license or passport.
      • Military ID: Accepted for active-duty military personnel applying for the card.
    • Social Security Number (SSN) or Employer Identification Number (EIN):
      • SSN: Required for sole proprietors and freelancers. Used for personal credit pull.
      • EIN: Required for corporations, LLCs, or partnerships.
  • Business Verification Documents:
    • Business License or Registration:
      • Business License
      • Articles of Incorporation
      • DBA Certificate (if applicable)
    • Proof of Business Activity:
      • Business Bank Statements (3–6 months)
      • Invoices or Contracts
      • Tax Returns (e.g., Schedule C)
      • Website or Social Media Proof (LinkedIn, Etsy, etc.)
  • Address Verification Documents:
    • Business Address Proof:
      • Utility Bill (not older than 3 months)
      • Lease Agreement
      • Bank Statement
      • Business License (if it includes the address)
    • Personal Address Proof:
      • Utility Bill
      • Rental Agreement
      • Mortgage Statement
      • Government Correspondence
  • Income Verification Documents:
    • Personal Income Proof:
      • Recent Pay Stubs (last 2–3 months)
      • W-2 Forms
      • Personal Bank Statements
    • Business Income Proof:
      • Business Tax Returns (Form 1040 Schedule C, 1120, etc.)
      • Profit and Loss Statement
      • Business Bank Statements (3–6 months)
  • Additional Documents:
    • Marriott Bonvoy Membership Details:
      • Membership Number
      • Recent Statement (optional for existing members)
    • Application Form:
      • Online or in-person application with personal and business details
    • Optional Documents:
      • Letter of Explanation (for new or informal businesses)
      • Proof of Business Expenses
      • Credit Report Authorization Form
  • Document Submission Guidelines:
    • Digital Submission: Upload PDF or JPEG (max 5MB each) via AmEx secure portal.
    • Physical Submission: Submit self-attested copies along with originals for verification.
    • Secure Handling: Use official American Express channels for privacy protection.
    • Organize Files: Label documents clearly (e.g., “Business_License.pdf”).
    • Timely Submission: Submit documents within 7–10 days of application to avoid delays.
  • Special Considerations:
    • Businesses operating from home may submit personal utility bills for address verification.
    • High-risk or new businesses may need to submit additional evidence of legitimacy.
    • Complete and accurate documents lead to faster processing and approval.
  • Document Retention:

    Keep copies of all submitted documents for your records. American Express typically processes applications within 7–14 business days.

Factors Affecting Approval for the Marriott Bonvoy Business® American Express® Card

  • Personal Credit Profile
  • Credit Score: A FICO score of 670 or higher is important, with scores above 700 preferred for premium cards. American Express pulls your credit report from bureaus like Experian or Equifax.
  • Credit Utilization Ratio: Ideally below 30%. High utilization suggests financial strain and may lead to rejection.
  • Payment History: A strong history of on-time payments is critical. Late payments, defaults, or collections in the last 7 years can negatively impact approval.
  • Recent Credit Inquiries: Multiple hard inquiries in the past 6-12 months can signal risk, reducing approval chances.
  • Length of Credit History: Applicants with longer credit histories (5+ years) tend to be favored over those with newer profiles.
  • Mix of Credit Types: A healthy combination of revolving (credit cards) and installment (loans) credit improves overall creditworthiness.
  • Business Financial Health
  • Revenue and Profitability: While no minimum revenue is specified, businesses with $10,000+ annual revenue are more likely to be approved. Startups with limited revenue may qualify if the owner has a strong personal credit profile.
  • Business Debt Levels: High existing debt can reduce approval chances. American Express assesses your debt-to-revenue ratio.
  • Industry Risk: High-risk industries may face stricter scrutiny compared to stable sectors.
  • Business Longevity: Businesses operating for 2+ years may be more likely to receive approval than newer ventures.
  • Seasonal Income Variability: Businesses with inconsistent cash flow across months may need to provide additional documentation to prove stability.
  • Application Behavior and History
  • Previous American Express Cards: Positive payment history on other Amex cards helps. Applying for multiple Amex cards quickly may trigger limits and rejections.
  • Welcome Bonus History: The once-in-a-lifetime welcome bonus rule applies; previous holders of this card may not receive the bonus again.
  • Application Frequency: Avoid applying for multiple business cards within 90 days.
  • Existing Amex Relationship: Long-standing customers with responsible usage may receive favorable treatment in underwriting decisions.
  • Business Legitimacy and Structure
  • Verification of Business Existence: Business name, physical address, and evidence of business activity are checked.
  • Ownership Authority: The applicant must have authority to incur debt on behalf of the business.
  • Business Structure Type: Sole proprietors, LLCs, and corporations may face different documentation requirements and underwriting standards.
  • External Factors
  • Economic Conditions: Credit standards may tighten during economic downturns.
  • Credit Bureau Data: Errors or discrepancies in reports can delay or derail approval.
  • Marriott Bonvoy Program Status: Higher Marriott status may indirectly benefit approval.
  • Regional Risk Factors: Businesses located in high-fraud or economically volatile regions may be scrutinized more closely.
  • Strategies to Improve Approval Odds
  • Boost credit score by paying off debts and maintaining low utilization.
  • Keep business records updated and organized.
  • Limit other credit applications within 6 months.
  • Maintain good payment history on existing Amex cards.
  • Be prepared to provide business and personal documentation.
  • Use a business bank account to show financial credibility and separation of personal and business finances.
  • Register your business with EIN even if you're a sole proprietor—it enhances legitimacy.
  • Common Pitfalls to Avoid
  • Incomplete or inaccurate applications.
  • Overstating income or financial strength.
  • Ignoring Amex’s card ownership and bonus rules.
  • Applying with low credit scores or recent payment issues.
  • Providing unverifiable business details or using virtual addresses that may raise red flags.

Frequently Asked Questions (FAQs) – Marriott Bonvoy Business® American Express® Card

1. What are the key benefits of the Marriott Bonvoy Business Card?
Key benefits include:
  • Earn 6X Marriott Bonvoy points on purchases at participating Marriott Bonvoy hotels.
  • 4X points at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
  • 2X points on all other eligible purchases.
  • Free Night Award every year after card renewal (up to 35,000 points).
  • 15 Elite Night Credits annually to help you achieve Marriott Bonvoy elite status faster.
2. What is the annual fee?
The Marriott Bonvoy Business® American Express® Card has an annual fee of $125 (as of 2025; rates and fees may apply).
3. Does this card offer a welcome bonus?
Yes, new cardholders can earn a welcome bonus of 75,000 to 100,000 Marriott Bonvoy points (offer may vary) after spending a specific amount in the first few months.
4. Does the card charge foreign transaction fees?
No, there are no foreign transaction fees, making it a good choice for international business travel.
5. What Marriott Bonvoy elite status benefits are included?
Cardholders receive:
  • Automatic Marriott Bonvoy Silver Elite status.
  • Gold Elite status after spending $35,000 on purchases in a calendar year.
  • 15 Elite Night Credits annually toward elite tier qualification.
6. Can I transfer Marriott Bonvoy points to airline partners?
Yes, Marriott Bonvoy points can be transferred to over 40 airline loyalty programs, typically at a 3:1 ratio. Plus, get a 5,000-mile bonus for every 60,000 points transferred.
7. What is the value of the Free Night Award?
Each year, after your card renewal, you receive a Free Night Award valid for one night at a property worth up to 35,000 points. Some hotels allow point top-ups to book higher-tier properties.
8. Are travel protections included with the card?
Yes. The card offers:
  • Secondary car rental loss and damage insurance.
  • Baggage insurance plan.
  • Purchase protection on eligible items.
9. Is there a cap on earning points?
No, there is no cap. You can earn unlimited Marriott Bonvoy points on eligible purchases.
10. How can I redeem Marriott Bonvoy points?
Marriott Bonvoy points can be redeemed for:
  • Hotel stays at over 8,000 properties worldwide.
  • Flights through transfer partners.
  • Exclusive Marriott Bonvoy Moments experiences.
  • Shopping, gift cards, and more.