American Express Bonvoy Business
Bonvoy0.9¢ – 1.8¢
$150 annual fee
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Business version of the Bonvoy card with stronger category bonuses: 3x on dining, gas, and travel, plus 5x at Marriott. Free annual night certificate carries the same realistic value as the personal version. Targeted at small business owners who travel for work and stay at Marriott.
Earn Rates
🍽️ Dining3x⛽ Gas3x✈️ Travel3x🛒 Groceries — Amex accepted2x🚇 Transit2x💊 Drugstore2x📺 Streaming2x📄 Bills2x🛍️ Everything Else2x·Everything else2x
💡 Earns 5x on Marriott. 2x on everything else. Business card.
Welcome Bonus
Smart Bonus Strategy — Earn 80,000 points
See spend breakdown below
Minimum spend bonus
Spend $5,000 in 6 months
optimal stop70,000 pts × 0.9¢+$630Min. spend earnings10,000 pts × 0.9¢+$90
Annual benefitsFree annual hotel night (up to 35K pts), Silver Elite, travel insurance+$325
Annual fee-$150
Net first-year value+$895
Not Included in Smart Bonus Strategy
10,000 points after one eligible purchase in month 13
Spend $1 in 13 months
Only 0.2% return — optimal tier earns 17.9%
10,000 pts × 0.9¢+$90Compare to Similar Cards
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