Marriott Bonvoy Business Amex Review

**This post may contain affiliate links. I may be compensated if you use them.

**Note that the SPG Business Amex is now known as the Marriott Bonvoy Business American Express Card. I’ve updated the benefits section to reflect the changes but I’ve left most of the copy intact as SPG/Marriott Rewards is now just known as Marriott Bonvoy.

With the recent changes announced by Amex and Marriott, the Starwood Preferred Guest Business Credit Card has quietly become one of the best travel credit cards in Canada. On all purchases you make, you earn Marriott Bonvoy points which is one of the most flexible loyalty programs in the world.

What I love about the Starwood Preferred Guest Business Credit Card is that you can earn bonus points on gas, dining and travel purchases which is not available to cardholders of the standard Starwood Preferred Guest Credit Card from American Express. Read my SPG Business Amex card review now for my full thoughts on the card.

SPG business amex card review

Marriott Bonvoy Business Amex benefits

  • $150 annual fee
  • 60,000 Marriott Bonvoy points welcome bonus
  • Earn 5 Marriott Bonvoy points for every $1 on eligible card purchases at participating Marriott Bonvoy properties
  • Earn 3 Marriott Bonvoy points for every $1 on eligible gas, dining and travel purchases
  • Earn 2 Marriott Bonvoy points for every $1 on all other purchases
  • Free annual night award that can be redeemed at participating Marriott Bonvoy properties worldwide, with a redemption value up to 35,000 points
  • 15 Elite Night credits each calendar year
  • Marriott Bonvoy Silver Elite status
  • Marriott Bonvoy Gold Elite status when you spend $30,000 on your card each year
  • Complimentary in-room, premium internet access while staying at participating Marriott Bonvoy hotels
  • Disability Plan for Small Business
  • Employee Card Misuse Protection
  • Comprehensive travel insurance package included

The SPG Business Amex credit card is nearly identical to the Starwood Preferred Guest credit card with the major difference being that you can earn 3 points per $1 spent on eligible gas, dining and travel purchases with the business card. Even the signup bonus of 60,000 points is the same as the consumer card.

That may seem like a trivial feature, but since you earn more points on gas, dining and travel purchases, the SPG Business Amex becomes a much more rounded card.

You’ll still earn 5 points per dollar spent on eligible purchases at participating SPG and Marriott Rewards properties and 2 points per dollar spent on all other purchases which are great if you like to collect SPG / Marriott Rewards points.

You’ll notice that there’s an annual fee of $150, but the annual free night voucher has a redemption value of 35,000 points which could easily have a value of $200-300 USD depending on the property.

The disability plan and employee card misuse protection are nice features to have since those are things you won’t need to worry about as a business owner, but they’re probably not dealbreakers.

If you’re a frequent traveller, you’ll be happy to hear that the Marriott Bonvoy Business Amex comes with a comprehensive travel insurance package that includes travel medical, Flight Delay Insurance, Hotel/Motel Burglary Insurance, and much more.

How Marriott Bonvoy works

As you’ve most likely figured out by now, SPG / Marriott Rewards points allow you to redeem for free nights at over 1,200+ properties worldwide. There are no blackout dates so this is incredibly appealing for travellers who like to stay at hotels. How many points required to make a free night redemption is based on the property category and season.

CATEGORYSTANDARDOFF PEAKPEAK
17,5005,00010,000
212,50010,00015,000
317,50015,00020,000
425,00020,00030,000
535,00030,00040,000
650,00040,00060,000
760,00050,00070,000
885,00070,000100,000

Besides the ability to redeem your points for hotel stays, you can also transfer your points to 40 airlines. Many of the airlines have a 3:1 SPG / Marriott to airline transfer ratio which may seem high, but that’s actually identical to the old 1:1 ratio that SPG had before the points system was revamped.

In addition, when you transfer 60,000 points to select airline partners, you get a 25% bonus which means your transfer ratio becomes 1:1.25.

Another overlooked feature of the SPG / Marriott Rewards program is the experiences the Moments experiences that they offer. Members can use their points to purchase tickets to special events such as concerts or sporting events. They can even buy experiences such as shark cage diving in Gansbaai, South Africa.

Final thoughts

My SPG Business Amex card review is positive. Now that Marriott has formally merged SPG and Marriott Rewards, guests get access to the best features of both programs. Keep in mind that this credit card is aimed at business owners, but you could likely apply and be approved even if you don’t have a business set up. 

Marriott Bonvoy Business Amex Review

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi

2 Comments

  1. Anna on July 31, 2018 at 6:01 PM

    Hi Barry, do you know if Marriott will revert back to offering Reward Points … or are the statement credits the “new bonus” for meeting minimum spend August 7th onwards?

    Also, if you charge the $200 at any SPG/Marriott property while working towards meeting your minimum spend, does that mean you can spend $200 as part of minimum spend $1,500 in first 3 months … or do you need to spend a cumulutive $1,700?

    ie $100 Statement Credit for minimum spend + the $150 Statement Credit for the SPG/Marriott Stay

    = $250 Credit after $1,500 total spend in first 3 months?

    Thanks!

    • Barry Choi on August 1, 2018 at 7:47 AM

      Hi Anna,

      If I had to guess, points as a signup bonus will be reintroduced at a later date.

      The statement credits should not affect your minimum spend requirement of $1,500

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