💳 American Express · Amex

Marriott Bonvoy Business® American Express® Card

Travel Benefits Guide 2026

$125
Annual Fee
Lounge Access
Secondary
Rental Coverage
None
Foreign Tx Fee

📌 At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get — and what you don't — when you use the Marriott Bonvoy Business® American Express® Card for travel.

✈️ Lounge Access

This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.

🛂 Global Entry / TSA PreCheck Credit

Get a $100 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US — worth every cent for international travelers.

⏱️ Trip Delay Insurance

If your trip is delayed by 6+ hours, you're covered for up to $500/person in expenses.

Covers: meals, lodging, toiletries, medication, other personal use items

Up to $500 per covered trip for delays of 6+ hours. Maximum 2 claims per 12-month period.

Must book travel with this card. Keep all receipts for reimbursement.

🚫 Trip Cancellation & Interruption

Reimburses up to $10,000/person (max $20,000/trip) if you must cancel or cut short your trip.

Covered reasons: illness (medically inadvisable per physician), severe weather, jury duty, change in military orders

Maximum $10,000 per covered trip, $20,000 per eligible card account per 12 consecutive months.

🧳 Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Checked bags: up to $2,000 | Carry-on: up to $3,000

High-risk items (jewelry, electronics) capped at $1,000 per person per trip.

Baggage delay coverage: not included.

🏥 Emergency Medical & Evacuation

✅ Emergency evacuation coordination covered (transportation costs covered).

Global Assist Hotline: 24/7 emergency coordination including medical evacuation referrals and assistance. Actual costs are cardholder's responsibility (unlike the Platinum's Premium Global Assist which covers transport).

🚗 Rental Car Insurance

Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.

Coverage amount: Up to $75,000

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: Worldwide except Australia, Italy, New Zealand, and OFAC-sanctioned countries.

Secondary coverage. Must decline rental company's CDW/LDW. Up to 30 consecutive days.

🌍 Foreign Transaction Fees

No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.

💰 Annual Credits & Perks

Rewards Structure

2x Marriott Bonvoy points per $1
Base rate on all purchases
6x on purchases at hotels participating in Marriott Bonvoy
Travel purchases
4x at US restaurants
Dining
4x
US supermarkets (up to $15,000/year)
4x
US gas stations (up to $15,000/year)
4x
US shipping purchases
4x
US wireless phone services from US providers

Point / Mile Values

  • Cash back / statement credit: ~0¢ per point
  • Travel portal redemption: ~0¢ per point
  • Transfer partners: 0.7–1.2¢ per Marriott Bonvoy point; best redeemed for hotel stays

Pros & Cons for Travelers

👍 Pros

  • ✅ No foreign transaction fees — safe to use internationally
  • ✅ Rental car collision coverage (secondary)
  • ✅ Trip cancellation coverage (up to $10,000/person)
  • ✅ Trip delay coverage after 6+ hours
  • ✅ $100 Global Entry/TSA PreCheck credit
  • ✅ Emergency medical evacuation benefit

👎 Cons

  • ❌ No airport lounge access

🎯 Who Is This Card Best For?

Small business owners who stay at Marriott properties and want Gold Elite status plus an annual free night for a modest $125 fee

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