Julia’s WalletIndependent credit card tests
Business card test

Marriott Bonvoy Business American Express

Marriott Bonvoy Business American Express: the issuer’s card art

$125 a year · terms checked Oct 6, 2026

Wallet Score
54/100
Ease14 / 15
Freedom to redeem6 / 20
Protections5 / 10
Value29.1 / 55

Fits: Marriott-loyal businesses able to use an anniversary night.

Mind: Award availability and certificate limits; elite status savings not assumed.

Business card test · method julia_wallet_score/3 · scored Oct 6, 2026 · how the Wallet Score works

What the test assumed about earning

Read from the Studio’s Wallet Score test of this card. Verified Oct 6, 2026.

Everything else2x
Dining4x
Gas4x
Hotels6x
Phone4x
Shipping4x
Stated value of a point0.6¢
Anniversary night · credit, face value$200
  • earns nothing: Eligible anniversary certificate hotel night; no card earning

Run your own numbers

Is this card worth its fee?Your spending, the credits you use, the arithmetic line by linePoints or cash?For one booking, with this card’s stated point valueWhich card fits how I spend?This card against every other on your spending
Sources and dates

The issuer’s own pages, read Oct 6, 2026. Terms change; the editorial policy says how often they are re-checked.