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Ritz-Carlton Bachelor Gulch ski resort on a clear day after snowfall
The new welcome bonus on the Marriott Bonvoy Business credit card is enough for a night at the luxurious Ritz Carlton Bachelor Gulch in Colorado, which can cost over $1,200 per night in peak season.
  • The Marriott Bonvoy Business® American Express® Card - Product Name Only has increased its welcome bonus to Marriott Bonvoy Business® American Express® Card - Intro Bonus.
  • This is an excellent offer if you can qualify for a small-business card, because the welcome bonus points are worth around Marriott Bonvoy Business® American Express® Card - Featured Reward Value in stays according to Insider's points and miles valuations.
  • Cardholders also receive a free night at Marriott hotels worth up to 35,000 points each account anniversary.
  • Read Insider's guide to the best rewards business cards.

If you're a small-business owner and like to stay at Marriott hotels, the new increased welcome offer on the Marriott Bonvoy Business® American Express® Card - Product Name Only is worth a look. New cardholders can earn Marriott Bonvoy Business® American Express® Card - Intro Bonus.

Based on Insider's valuation of Marriott points at 0.7 cents each, you could potentially get about Marriott Bonvoy Business® American Express® Card - Featured Reward Value in stays from this bonus. This is one of the highest offers we've ever seen for this card.

With an annual fee of Marriott Bonvoy Business® American Express® Card - Annual Fee, the Marriott Bonvoy Business® American Express® Card - Product Name Only is a little pricier than similar hotel credit cards. However, it's easy to offset the annual fee with the card's annual free night certificate worth up to 35,000 points and perks like automatic Marriott Gold elite status and a 7% discount on standard room rates at Marriott Bonvoy properties (when you book directly through Marriott).

Plus, opening and using a Marriott Bonvoy credit card is a good way to keep your points from expiring, because Marriott points expire after 24 months of having no earning or redemption activity in your account.

Here's what to know about the new Marriott Bonvoy Business® American Express® Card - Product Name Only offer to help decide if you should apply.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Marriott Bonvoy Business credit card: Earn 125,000 points for a limited time

The points from the new welcome bonus on the Marriott Bonvoy Business® American Express® Card - Product Name Only are enough for up to 25 nights at the lowest-priced Marriott hotels, and even enough for a night at the most luxurious Marriott Bonvoy brands, like St. Regis, Ritz-Carlton, and JW Marriott.

But even without the elevated welcome bonus offer, the Marriott Bonvoy Business Amex is well worth the annual fee. The card comes with automatic Marriott Gold elite status, which is the chain's middle tier, and comes with perks like 25% bonus points on paid stays, 2 p.m. late checkout, and room upgrades when available. If you're already close to leveling up to the next tier of elite status, the 15 elite night credits offered by the card each year can give you a needed boost.

At Marriott hotels, the card earns 6x points and 4x points on eligible purchases at restaurants worldwide, US gas stations, on wireless telephone services purchased directly from US service providers, and on US purchases for shipping, plus 2x points on everything else.

In addition, as a cardholder, when you book directly through Marriott, you'll receive a 7% discount on standard room rates at Marriott Bonvoy properties. This could help you save a bit of money if you're already planning on booking a paid reservation that qualifies for this benefit.

Why I love the Amex Marriott Bonvoy Business card

I have the Marriott Bonvoy Business™ American Express® Card, and renew it every year for one main reason: Cardholders receive an annual free night each card anniversary, valid at Marriott hotels that cost up to 35,000 points per night. Marriott has also added the ability to top off free night certificates with up to 15,000 points from your account, which means you could potentially use the certificate at Marriott hotels that cost up to 50,000 points.

I've consistently been able to redeem my anniversary night at hotels that cost more than the Marriott Bonvoy Business™ American Express® Card annual fee, so the rest of the card's benefits are just gravy.

I use the card any time I stay with Marriott hotels to earn 6x points, and while I already get complimentary Marriott Gold status from having The Platinum Card® from American Express**, there's another reward for big spending on the card. When you spend $60,000 or more in a calendar year, you'll unlock another 35,000-point Marriott free night certificate.

Other shopping and travel perks with the Marriott Bonvoy Business™ American Express® Card include extended warranty, purchase protection, baggage insurance, and rental car insurance. The card doesn't add foreign transaction fees, so it's great for international trips.

As with other Amex cards, cardholders get access to Amex Offers**, which are targeted deals to earn cash back or bonus points on eligible purchases at participating merchants. A quick peek at my own account revealed I'd saved $544 with Amex Offers on this card alone since 2018 — that's not a bad haul, and another good reason why American Express cards are among the most valuable around.

Screenshot of Amex Offers savings on Marriott Bonvoy Business credit card.

Here's Insider's full Marriott Bonvoy Business Amex card review for a closer look at everything it has to offer.

Alternatives to the Amex Marriott Bonvoy Business card

If you don't own a small business but still want to earn Marriott points, there are five other Marriott Bonvoy cards to consider:

Another option is to open a card that earns transferable Chase Ultimate Rewards® points, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card. Marriott is a Chase transfer partner, so if you need to top off your account, moving points from these cards is a good option. Just keep in mind that other Chase partners, like United Airlines or Hyatt, will typically get you more value from your points.

Read the original article on Business Insider