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: 80,000 Bonvoy points after spending $10,000 in the first 6 months, plus an additional 30,000 points by making a purchase in the 15th month. The total of 110,000 points can cover 3 to 4 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 110,000-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.