Small Business Offer: Get up to 80,000 points with the Marriott Bonvoy® Business American Express®* Card
- Business Credit Cards
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Marriott Bonvoy is the largest hotel group around the world with over 8,000 properties. Marriott Bonvoy has teamed up with American Express to offer 2 credit cards in Canada:
- One for individuals: the Marriott Bonvoy® American Express®* Card
- One for businesses (professionals, self-employed workers and SMEs): the Marriott Bonvoy® Business American Express®* Card
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $150 | |||
| $120 |
As a couple, each of us having business expenses and being frequent travellers, it made sense for each of us to suscribe to the Marriott Bonvoy® Business American Express®* Card. Explanations!
Not sure which personal card to keep alongside it? See our 6 priced-out business and personal credit card combinations.
Marriott Bonvoy® Business American Express®* Card
The Marriott Bonvoy® Business American Express®* Card is the best credit card for self-employed workers, professionals and small business owners who travel.
With this welcome offer, you can earn up to 80,000 Marriott Bonvoy points:
- Earn 70,000 points after you charge 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.
We recommend keeping this card because every year at renewal, you get an annual Free Night Award worth 35,000 points, plus 15 Elite Night Credits per year toward your Marriott Bonvoy status.
With this Card, you earn 5 points per dollar on all your spending at Marriott Bonvoy properties, and you can earn 3 points per dollar on:
- gas
- dining
- travel
And 2 points per dollar on all other purchases.
As with all American Express Canada Cards, no minimum income is required.
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Plus $100 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $700
- Welcome offerAfter $5,000 in 3 months
- Up to 80,000 points
Apply Now
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The welcome bonus is enough to give you several free nights at Marriott Bonvoy hotels.
For us, it was a way to top up our Marriott Bonvoy points account. As a result, we were able to take advantage of free nights at the Al Maha Hotel, a Luxury Collection Desert Resort & Spa, Dubai!
Marriott Bonvoy Business American Express Card – Earn Points with Your Business Spending
Running Business Expenses
Unlike the regular veresion, which has only 2 purchase categories, our Marriott Bonvoy® Business American Express®* Card has a 3rd category allowing us to earn 3 Marriott Bonvoy points per dollar on :
- All our travel purchases (hotels, flights, car rentals, cruises, etc.)
- All our gas purchases
- All our restaurant / bar bills
Other Examples of Business Expenses
Add to that all the other purchases a company can make! On our side, for example :
- Membership of a professional association (l’Ordre des Pharmaciens du Quebec accepts payment by American Express card via Paypal)
- Service subscriptions (telephone/Internet, online accounting software, Google Apps, iCloud, etc.)
- Our hardware
- Our office supplies
- And much more!
For everything else, we use our Marriott Bonvoy® Business American Express®* Card Express®* on Chexy to pay other suppliers.
Some of our Chexy expenses:
- Canada Revenue Agency
- Revenu Québec
- GST / QST
- Accountant
- Website development agency
- External consultants
- And much more!
Marriott Bonvoy Business American Express Card – Earn Points for Your Stays at Marriott hotels
We regularly stay at hotels in the Marriott Bonvoy group and use our Marriott Bonvoy® Business American Express®* Card to pay for these stays (when we’re not using our points).
By doing so, you earn 5 Marriott Bonvoy points per dollar! And this applies to any spending made in a Marriott Bonvoy-owned establishment:
- hotel stays
- in-house services (business center, spa, etc.)
- meeting room rental
- event organization
- restaurants, bars
By using your Marriott Bonvoy® Business American Express®* Card to pay for them, you too can earn 5 Marriott Bonvoy points per dollar!
Marriott Bonvoy Business American Express Card – 15 Elite Nights to Earn Marriott Bonvoy Elite Status
Each year, our Marriott Bonvoy® Business American Express®* Card offers us a 15-night elite credit on our Marriott Bonvoy account.
With this, one immediately obtains the Silver Elite status, which gives the right to :
- Priority late departure
- 10% bonus points on stays
- Free Wi-Fi
Also, these 15 elite nights allow us to advance more quickly to the next status. As a result, only 10 nights (25 nights) are required to achieve Gold Elite status.
Gold Elite status includes :
- 25% bonus points on stays
- Upgrade to a superior room
- Late check-out until 2 pm
Or Platinum Elite status – only 35 nights left in the year (50 nights in total).
With Platinum Elite status, you benefit from a host of advantages, including :
- 5 Nightly Upgrade Awards
- Access to the Lounge
- Free breakfasts
Marriott Bonvoy Business American Express Card – One Free Night Award Upon Renewal
Six to eight weeks after the anniversary date of the American Express card account, we get a certificate for a free night. It is deposited directly into our Marriott Bonvoy account.
This certificate can be exchanged for a free night worth up to 35,000 points. What’s more, you can combine up to 15,000 points to get a free night worth up to 50,000 points.
Used properly, this certificate can represent several hundred dollars!
Take a look at what we were able to get recently during a trip to Europe. A 4-star hotel on the Promenade des Anglais in Nice that would have cost more than C$500 a night!
Marriott Bonvoy Business American Express Card – A Tax-Deductible Annual Fee
Did you know? The annual fee for your corporate credit card is considered a “management and administration fee”.
They can therefore be deducted from your return on line 8871, if you use your Marriott Bonvoy® Business American Express®* Card for business expenses!
Don’t hesitate to consult your tax advisor.
Marriott Bonvoy Business American Express Card – Who Can Apply for this Card?
This card is not exclusively reserved for executives of large companies.
In fact, provided you have a business activity generating revenue or expenses, you could be eligible for this card.
This is the case, for example, for self-employed professionals who declare their business income and expenses as part of their personal annual tax return to Revenue Quebec or the Canada Revenue Agency.
Conclusion
We could add to all this the range of benefits offered to American Express members (such as Front of the Line), regular promotional offers or even the travel insurance offered by the card.
In short, all these reasons make the Marriott Bonvoy® Business American Express®* Card, in our view, the best credit card for professionals, self-employed individuals, or SMEs in Canada!
Furthermore, Milesopedia community members voted it Best Business Credit Card in 2026!
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Plus $100 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $700
- Welcome offerAfter $5,000 in 3 months
- Up to 80,000 points
Apply Now
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Frequently Asked Questions about the Marriott Bonvoy Business American Express Card Offer
Here are frequently asked questions in the milesopedia community about this card.
How to get the 80,000 Marriott Bonvoy bonus points?
The current offer on the Marriott Bonvoy Business American Express Card is structured in two tiers: 70,000 Bonvoy points after spending $5,000 in the first 3 months, plus an additional 10,000 points after spending $1,000 in the 13th month. The total of 80,000 points can cover 2 to 3 free nights at most Marriott Category 4 hotels (e.g., Le Centre Sheraton Montreal, Delta Hotels Toronto Airport). The $150 annual fee is deductible as a business expense, which reduces the effective net cost for entrepreneurs and self-employed individuals. No minimum income is required for this business card.
What are the Marriott Bonvoy point earning rates?
The Marriott Bonvoy Business American Express Card offers particularly competitive earning rates for a business card: 5 Bonvoy points per dollar at Marriott Bonvoy hotels (over 8,500 properties worldwide), 3 points per dollar on travel, gas, and restaurants, and 2 points per dollar on all other purchases. For an SME that spends $50,000 per year with a mix of travel, business dining, and various purchases, this easily translates to 100,000 to 150,000 Bonvoy points per year. Combined with welcome bonuses, this can quickly fund 5 to 10 free nights in business or leisure destinations.
What is the value of an annual free night certificate on this card?
Upon annual renewal, Marriott Bonvoy Business American Express Card holders receive a free night certificate valid at any Marriott hotel requiring up to 35,000 points per night — a category that covers a wide variety of hotels such as the W Toronto, the Westin Calgary, or the Marriott Mont-Tremblant during high season. The monetary value of this certificate typically ranges from $200 to $400 depending on the destination and season. On its own, the certificate largely covers the net annual fee of $150 — without even counting the welcome bonus, the 15 annual Elite Night Credits, and other business benefits.
Are the $150 annual fees tax-deductible for my business?
Yes — for an incorporated business or a self-employed individual who primarily uses the Marriott Bonvoy Business American Express Card for business expenses, the $150 annual fee is generally deductible as a business expense in Canada, as are interest charges on balances related to business purchases. Always confirm with your accountant, as deductibility depends on the proportion of business versus personal use. Combined with the 80,000-point welcome bonus, the annual free night certificate, and the option to issue free supplementary cards to employees (with customizable limits), the card is one of the most cost-effective for SMEs in Canada.
To Go Further with American Express Membership Rewards Points
To maximize your Membership Rewards points accumulation, consult our complete guide to the American Express Membership Rewards program as well as our ranking of the best American Express Membership Rewards credit cards, updated monthly by the Milesopedia team.