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Compare the Features and Benefits of The Business Platinum Card® from American Express and
Marriott Bonvoy Business® American Express® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Grants Hotel Status
Earns Transferable Points
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
Annual Statement Credits
Airport Lounge Access
Grants Car Rental Status
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Return Protection
Concierge Services
Has No Preset Spending Limit
Metal Card
Free Access to Credit Score
Free Annual Hotel Night
No Foreign Transaction Fees
No Fees for Authorized Users
Travel and Emergency Assistance Services
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
18.74%-27.74% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x Hotels

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

1.5x Single Charges over $5,000
1.5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1.5x Shipping
1x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Amex Business Platinum is the one of the most expensive travel rewards cards on the market today. However, while its annual fee might be a bit on the higher side, the perks that come along with it are second to none, both from the business perspective as well as the travel angle.

For small business owners that hit the road (or skies) regularly, there really isn’t another card quite like this one.

On the travel perks side of things, the Amex Business Platinum has a laundry list of embedded extras from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection. (See the key features and benefits above.)

However, this is a business card, after all, and where this card shines is in its statement credits. If you have business expenses that are with specific merchants, such as Indeed, Dell, and Adobe, the Business Platinum can tangibly help cut reduce costs. In addition, card holders get an extra half point per dollar (1.5X) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, and purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. While a 1.5X bonus isn’t huge, it’s helpful that this spans a wide variety of business categories (and is capped at $2 million).

The Amex Business Platinum isn’t a card for everyone — that’s for sure. But for high-spending business owners who travel often (either for business or pleasure), this just might be the card for you.

Rates and fees for The Business Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes
Annual Statement Credits
yes
Airport Lounge Access
yes
Grants Car Rental Status
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
Return Protection
yes
Concierge Services
yes
Has No Preset Spending Limit
yes
Metal Card
yes
Free Access to Credit Score
yes
Free Annual Hotel Night
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Travel and Emergency Assistance Services
no
Annual Fee
$125 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
20.24%-29.24% (Variable)
Balance transfers fees
-
Best Multiplier
6x Hotels

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

4x Gas Stations

At U.S. gas stations

4x Cellular Phone Service

With U.S. Cellular Providers

4x Dining Out / Food Delivery

Worldwide

4x Shipping

With U.S. Shipping companies

2x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.006
Bonus Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees and terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you’re a business owner with a Marriott Bonvoy member account, there’s only one Marriott credit card that can deliver all the benefits you’re looking for. For Marriott perks galore, the Marriott Bonvoy Business Card is a stellar option. Better yet, its annual fee that pays itself for many small business owners who can take full advantage of the benefits offered by the card – especially that annual free night.

Let’s talk about how cardholders can earn and redeem Marriott Bonvoy points with the card. You’ll earn 6x points on eligible purchases at hotels participating in Marriott Bonvoy, and fortunately, there are more than 8,500 (and growing!) properties worldwide. The Bonvoy Business is one of our favorite business credit cards for small business owners that lean into Marriott for hotel stays.

hotels-marriott-bonvoy-business-american-express-card

You’ll also earn 4x bonus points per dollar of eligible purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2x points on all non-bonus purchases. To tie it all together, there are no caps to the number of points you can earn from the card.

Marriott Bonvoy points are still incredibly versatile, as no other hotel chain can boast the sheer number of properties that participate in this loyalty program. Besides redeeming your Marriott Bonvoy points at hotels, you also have the flexibility to transfer them to participating airline loyalty programs and directly for eligible airfare and car rentals through Marriott’s unique Air+Car Transfer program.

Even if you decide to pay for your stay on your own accord, this business credit card unlocks a 7% room discount at participating properties. This can amount to significant savings depending on how often you’re staying at Marriott hotels.

What really makes this Marriott credit card stand out from the rest is the free nights you can earn with the card (though certain hotels have resort fees). With your card membership, you’ll pay the annual fee on every account anniversary, and in the following month you’ll receive a Marriott free night award. This has a redemption value of 35,000 points, or roughly $210 in value at hotels participating in this loyalty program. Plus, you can add on up to 15,000 of your own points if you’d like to use the certificate at a hotel costing between 25,000 and 50,000 points for the night.

You’ll get the chance to earn an additional free night award if you’re a high-roller and can meet the $60,000+ spend threshold per calendar year, and this is certainly doable for businesses with many expenses.

On site at Marriott hotels and resorts, you’ll be rewarded even further with automatic Gold elite status. You’ll earn 25% more Marriott points as a Gold member (on top of the card’s 6X earning rate!), as well as access to 2 p.m. late checkout (based on availability) and room upgrades. Finally, you’ll get premium room internet access, making sure you stay connected no matter where you’re traveling.

In sum, this long-list of perks makes it one of our favorite hotel business credit cards, as earning Marriott Bonvoy points can be easier than ever from your routine business expenses.

Marriott Bonvoy Business® American Express® Card Eligibility Rules

Note: There are some confusing eligibility rules around this card. If you have the Bonvoy American Express card, Ritz Carlton Card, Marriott Bonvoy Bevy® American Express® Card, or the Marriott Bonvoy Brilliant® American Express® Card, you are free to apply for this card.

If you have a Chase Marriott Boundless, Chase Bonvoy Bold, or Chase Bonvoy Bountiful, you will only be  eligible to apply for this card if it’s been more than 24 months since you received the bonus on that card.

Rates and Fees for the Marriott Bonvoy Business® American Express® Card

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes
Annual Statement Credits
no
Airport Lounge Access
no
Grants Car Rental Status
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Return Protection
no
Concierge Services
no
Has No Preset Spending Limit
no
Metal Card
no
Free Access to Credit Score
no
Free Annual Hotel Night
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Travel and Emergency Assistance Services
yes

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