SPG Amex Business vs. Personal: which card is better?
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Marriott Bonvoy Business™ American Express® Card
Marriott Bonvoy Business™ American Express® Card
Earn 75,000 bonus points
after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
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Sponsored CardRates & Fees
Rewards133Reviews5Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Earn 75,000 bonus points
after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$125
Rewards
Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
6x points at hotels participating in the Marriott Bonvoy™ program.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Terms apply.
APR on Purchases
16.49% - 25.49% (V)
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
May 19th, 2022
Marriott Bonvoy Business Credit Card Pros & Cons
High rewards rate
75,000 points initial rewards bonus
No foreign fee
High membership fees
No intro APR on purchases
No balance transfers allowed
Requires good/excellent credit
Marriott Bonvoy Business Credit Card's Additional Info
| cash advance fee | 3% (min $5) |
| cash advance APR | 25.99% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | 29.99% (V) |
| grace period | 25 days |
Questions & Answers
Don't see what you're looking for? Submit your question about Marriott Bonvoy Business™ American Express® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Can I get the SPG Business Card with 30,000 points?
2
UpvotesReply
Paddy Sullivan
No, you cannot earn the SPG Business Card 30,000 point bonus, as SPG credit cards are no longer available to new applicants. Marriott acquired Starwood and their rewards programs have merged as a result. The Marriott Bonvoy Business™ American Express® Card is the SPG Business Card's replacement and it offers... show more
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What's the Amex SPG Business Card referral bonus?
2
UpvotesReply
Adrian Kaplan
There is no SPG Business Card referral bonus, as SPG credit cards are no longer available to new applicants. Marriott acquired Starwood and their rewards programs have merged as a result. The Marriott Bonvoy Business™ American Express® Card is the SPG Business Credit Card's replacement and offers eligible cardholders referral... show more
Can you still get the Amex SPG Business 35k bonus?
5
UpvotesReply
Alex Johnson
No, you can't get the Amex SPG Business 35k bonus offer anymore, as SPG credit cards are no longer available to new applicants. Marriott acquired Starwood and their rewards programs have merged as a result. The Marriott Bonvoy Business™ American Express® Card is the SPG Business Card's replacement and it... show more
View more answers
When is your annual fee due? Can I cancel the card at any time?
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Compare The Marriott Bonvoy Business Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR16.49% - 25.49% (V)
Regular APR16.49% - 25.49% (V)
Regular APR16.24% - 23.24% (V)
Rewards Rate2 - 6 points / $1
Rewards Rate3 - 12 points / $1
Rewards Rate1 - 4 points / $1
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Marriott Bonvoy Business Credit Card Reviews
Share your insights and review the Marriott Bonvoy Business™ American Express® Card
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133 reviews
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1 Star Rating
I had an accounting error...I wasn't aware of the "Penalty Apr" , a.k.a. ripoff, my interest rate went from 20% to 29.99%! When I called cs they told me, even though I've never missed a payment, that because I paid 1 day over my due date.....not 30 days late, that I was being charged $38 for the late and my interest rate accelerated. Very deceptive. Now there's a minimum of $270 for a $6k dollar balance. I'm transferring to another card and closing. 29% is ungodly.
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Offer last updated: May 19th, 2022 at 13:51 ET