"How does the Marriott Bonvoy Business Amex differ from the personal card?"

"The Business version has a higher annual fee ($150 vs. $120) and typically earns more points on eligible business spending categories beyond hotel stays. It also offers employee card management — you can add employee cards under one account and set spending limits. Both versions include an annual free night certificate and Silver Elite status in Marriott Bonvoy. The business card is designed for business owners who travel to Marriott properties and want to consolidate business travel spending on one card."

"Does the Marriott Bonvoy Business Amex include an annual free night certificate?"

"Yes — like the personal card, the Business version includes an annual free night certificate (up to 35,000 Bonvoy points) upon card renewal. This certificate alone can offset the $150 annual fee at many Canadian Marriott properties where nightly rates are $150–$250+. The certificate is valid for 12 months from issue."

"Is the Marriott Bonvoy Business Amex the right card for a self-employed person?"

"Yes — self-employed Canadians (sole proprietors, freelancers, incorporated business owners) can apply. You do not need to be incorporated to apply for a business credit card in Canada. American Express may ask for your business name and revenue. The card provides a separate account to track business spending and earn Bonvoy points on business travel and expenses."

"Can I earn Aeroplan miles from Marriott Bonvoy Business Amex points?"

"Yes — Marriott Bonvoy points transfer to Aeroplan at a ratio of 3:1, with a 15,000-point bonus when transferring 60,000+ Bonvoy points at once (making the effective ratio 60,000 Bonvoy = 20,000 Aeroplan). For Canadian business travellers who use both Aeroplan and Marriott, this transfer pathway adds flexibility."

"How does the Marriott Bonvoy Business Amex compare to the Amex Business Gold?"

"The Amex Business Gold earns flexible Membership Rewards points transferable to Aeroplan, Avios, and other programs, making it more versatile for business travel hacking. The Marriott Bonvoy Business Amex earns Bonvoy-specific points best redeemed at Marriott properties. If your team frequently stays at Marriott hotels, the Bonvoy card delivers hotel-specific value. If you want flexible rewards for flights and any hotel, the Amex Business Gold is more versatile."

Marriott Bonvoy Business American Express Card Review 2026

The Marriott Bonvoy Business American Express Card is the business-focused version of Canada’s Marriott co-branded Amex card. At $150 annually, it offers an annual free night certificate, Silver Elite status, employee card management, and Bonvoy points on all eligible business spending. Business owners who regularly stay at Marriott, Westin, Sheraton, W Hotels, or other Bonvoy properties will find the most value here.

Quick Verdict

Best for: Small business owners and self-employed Canadians who travel for work and regularly stay at Marriott Bonvoy properties; those who want to consolidate business travel spending and earn hotel points with employee cards.
Not ideal for: Business owners who don’t stay at Marriott properties and want flexible points (consider the Amex Business Gold); sole practitioners who travel minimally; anyone who finds the Bonvoy redemption ecosystem limiting.

Key Card Details

Feature	Detail
Annual fee	$150
Employee card fee	Varies — verify at americanexpress.ca
Purchase interest rate	20.99%
Cash advance rate	22.99%
Foreign transaction fee	2.5%
Income requirement	None listed (business card)
Network	American Express
Welcome bonus	Verify current offer at americanexpress.ca

Terms subject to change. Always verify at americanexpress.ca before applying.

Earn Rates

Category	Earn Rate
Marriott Bonvoy hotels	5x points per $1
Eligible business spending categories	3x points per $1
All other eligible purchases	2x points per $1

Verify current category definitions and earn rates at americanexpress.ca.

Business-Specific Features

Employee cards — issue supplementary cards to employees, track spending by card
Spending controls — set individual limits per employee card
Business expense reporting — Amex’s online account tools allow transaction categorization
Separate business account — keep personal and business spending separate for accounting and tax purposes

Card Benefits

Annual free night certificate — up to 35,000 Bonvoy points; valid 12 months upon renewal
Silver Elite status — 10% points bonus on hotel stays; priority late checkout
Amex purchase protection — 90 days for damage and theft
Amex extended warranty — doubles manufacturer’s warranty up to 1 year
Travel emergency assistance — 24/7 support while travelling
Business travel accident insurance — verify coverage details at americanexpress.ca

Marriott Bonvoy Points: Business Travel Redemptions

For business travellers, Bonvoy points redemptions offer the most value on:

Redemption	Approximate Value
Off-peak hotel nights	0.8–1.2¢/point
Standard hotel nights	0.6–0.9¢/point
Aeroplan transfer (3:1 + bonus)	~0.5–0.7¢/point effective
Cash + points redemptions	Varies

Example: A business trip with $5,000 in hotel spending at Marriott: 25,000 points at 5x. At 0.8¢/point value, that’s $200 in effective rewards — plus Silver Elite stay points on top.

Who This Card Is For

The Marriott Bonvoy Business Amex is the right card if you:

Own or operate a business with travel needs
Frequently stay at Marriott, Westin, Sheraton, Delta Hotels, or other Bonvoy brands
Have employees who travel and stay at Marriott properties
Want the free night certificate + Silver Elite status at a $150 cost

If your team stays at a variety of hotel brands or you want airline miles over hotel points, the Amex Business Gold earns more flexible Membership Rewards.

Details current as of June 2026. See our Advertiser Disclosure.