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Pros & Cons

Pros

  • +Welcome Bonus: 80,000 points
  • +Up to 3x on Travel
  • +Purchase protection included

Cons

  • High annual fee ($150/yr)
  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

The Marriott Bonvoy® Business American Express®* Card is the best credit card for the self-employed, professionals and small business owners who travel.

With this welcome offer, you can get up to 80,000 Marriott Bonvoy points:

  • Get 70,000 points after charging a total of $5,000 to your Card in your first 3 months of Cardmembership.
  • Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership

It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :

  • Gas
  • Dining
  • Travel

And 2 points per dollar on all other purchases.

Like all American Express Canada Cards, there is no minimum income requirement.

Rewards

All Spending

2x

Marriott Bonvoy pts per dollar

Travel

3x

Gas

3x

Restaurants

3x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.45¢2.7¢
Groceries2x
$700/month
Gas & EV3x
$200/month
Transit2x
$100/month
Restaurants3x
$300/month
Pharmacy2x
$50/month
Travel3x
$150/month
Bills & recurring payments2x
$250/month
Telecom2x
$150/month
Entertainment & streaming2x
$100/month
Office supplies2x
$0/month
All other spending2x
$500/month

Points Earned

67,800

Marriott Bonvoy/yr

Estimated Value

$610

After Fees

+$460

1st Year Value

$1,180

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 3x7,200 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 3x5,400 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year2.26x
Average earn rate on spend 1st year with welcome bonus4.93x
Total points earned on spend67,800 pts
Welcome bonus points+80,000 pts
  • Earn 80,000 Marriott Bonvoy after $5,000 in purchases in 3 months
Total points earned147,800 pts
Value of accumulated points$1,330

Travel Insurance

Delayed Baggage

Up to $500

Lost Baggage

Up to $500

Flight Delay

Up to $500

Hotel Burglary

Up to $500

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Up to $85,000 / 48 days

Interest Rates

  • Purchase Rate
    21.99%
  • Cash Advance
    21.99%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

Earn up to 80,000 bonus Marriott Bonvoy® points

  • New Marriott BonvoyMD Business American ExpressMD* Cardmembers can receive up to 70,000 Marriott BonvoyMD bonus points after spending $5,000 on their Card within the first 3 months of Cardmembership.
  • Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership

Earn Marriott Bonvoy points that you can redeem in a variety of ways:

  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
  • Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
  • Earn 2 points for every $1 spent on everything else
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines

Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card:

  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. EducFinance may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express Canada. All trademarks are property of their respective owners.