AmEx Marriott Bonvoy Enterprise Credit score Card Assessment (2026.3 Replace: 5FN Supply)

2026.3 Replace: The 5FN provide comes again. Supply expires on 05/13/2026.

2025.8 Replace: The brand new provide is 125k. [2025.10 Update] The brand new model of the 125k provide is worse, because the spending requirement is greater.

2024.9 Replace: The 5FN provide comes again. [2024.10 Update] The 5FN provide is expired. At the moment there’s solely 3FN provide.

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Advantages

1. 5FN provide: earn 3 Free Night time (FN) Awards (with a redemption degree as much as 50,000 Marriott factors) after you spend $6,000 in purchases and an additional 2 FN after you spend an extra $3,000 in purchases throughout the first 6 months. This is among the greatest provide on this card.
2. Marriott level is now probably the most versatile factors (after the merger with SPG). We estimate that Marriott factors are value about 0.7 cents/level, see under for a short introduction. We estimate that 50k FN is value about $210 every, subsequently the 5FN welcome provide is value about $1,050!
3. Earn 6x Marriott factors for every greenback of eligible purchases at collaborating SPG and Marriott Rewards accommodations; 4x at worldwide eating places, at U.S. fuel stations, on wi-fi phone providers bought instantly from U.S. service suppliers and on U.S. purchases for transport; 2x Marriott factors for every greenback on different eligible purchases.
4. Obtain a Free Night time Award that you could redeem for a one-night keep at collaborating SPG and Marriott Rewards properties with a redemption degree at or beneath 35,000 factors (further obligatory resort charges could apply) yearly of Card Membership.
5. Earn 15 elite nights every calendar yr (elite nights are for standing, not free nights). You’ll solely obtain Elite Night time Credit from ONE Marriott co-branded enterprise bank card. You may get 15-25 extra Elite Night time Credit if in case you have a Marriott co-branded private bank card.
6. [New] Obtain complimentary Marriott Gold Elite Status. Notice that within the new Marriott program, crucial advantages (similar to: free breakfast, lounge entry, suite improve) comes with Marriott Platinum and better standing, subsequently the standing earned on this card is just not fairly helpful.
7. [New] Obtain a 7% low cost off commonplace charges for Marriott accommodations. Notice that it solely applies to straightforward fee, that means you received’t get 7% off on firm fee or AAA fee or one thing like that.
8. With this card, you will get entry to Amex Offer, which normally gives superb reductions at some shops, similar to: spend $15 or extra and get $5 again at Walmart; spend $75 or extra and get $25 again on Amazon.com.
9. No overseas transaction price.
10. Refer a pal: You’ll be able to earn 20,000 bonus Marriott factors for each accepted account you refer, as much as 55,000 Marriott factors per calendar yr.

Disadvantages

1. $125 annual price, NOT waived for the primary yr. ($95 earlier than 2019.03.28)

Introduction to Marriott Factors

• Marriott factors are probably the most versatile transferable factors (After the merging with SPG, Marriott obtained all its airline companions).
• You’ll be able to earn Marriott factors with Chase Marriott Bonvoy Boundless, Chase Marriott Bonvoy Bold, AmEx Marriott Bonvoy Brilliant, AmEx Marriott Bonvoy Business, and the next playing cards that don’t settle for new functions however settle for product change: Chase Ritz-Carlton, and AmEx Marriott Bonvoy.
• Marriott factors are saved in your Marriott account, not in your bank cards, so you will not lose your factors by canceling the bank cards.
• Your Marriott factors will expire if you happen to do not earn or spend any Marriott factors in 24 months. So long as you make a purchase order with the corresponding bank cards or keep in a resort, otherwise you redeem some factors throughout the time-frame, the purpose expiration date will probably be postponed accordingly.
• Marriott factors could be transferred to a whole lot of airways miles (you do not have to have a Marriott associated bank card to make the switch), and the ratio is 3:1.25 (i.e. 3:1 switch fee, plus you get 5k bonus miles for each 60k Marriott factors you switch at a time). The great choices are: Alaska Airways (AS) (Non-alliance), Japan Airways (JL) (Oneworld), United Airways (UA) (Star Alliance), American Airways (AA) (Oneworld), All Nippon Airways (ANA, NH) (Star Alliance), Korean Air (KE) (SkyTeam), and so on. In the event you use Marriott factors on this method, the worth is about 0.7 cents/level.
• Marriott factors will also be redeemed for resort stays clearly. Here is the redemption chart: Marriott redemption chart. Usually talking, you will get a greater redemption worth from lowest classes. In the event you use Marriott factors on this method, the worth is about 0.7 cents/level.
• In abstract, we estimate that Marriott factors are value about 0.7 cents/level.

Really useful Utility Time

1. You’ll be able to solely get the welcome bonus as soon as in a lifetime, so make sure you apply when the historic highest provide seems.
2. Welcome provide not accessible to candidates who:
   1. have or have had: the Old Chase Marriott Business or Old Chase Marriott Business $45 annual fee version within the final 30 days,
   2. have acquired: Chase Marriott Bonvoy Bold, Chase Marriott Bonvoy Boundless, or Chase Marriott Bonvoy Bountiful within the final 90 days,
   3. or acquired a brand new Card Member bonus provide on: Chase Marriott Bonvoy Bold, Chase Marriott Bonvoy Boundless, or Chase Marriott Bonvoy Bountiful within the final 24 months.
3. AmEx doesn’t sometimes care concerning the variety of exhausting pulls.
4. You’ll be able to attempt to apply for it when you might have a credit score historical past of 6 months.
5. Just one AmEx bank card could be accepted per day. This rule doesn’t apply to cost playing cards, you could be accepted for one bank card and a number of cost playing cards within the day. A number of playing cards accepted in the identical day will solely have one Onerous Pull.
6. Solely 2 AmEx bank cards could be accepted inside 90 days, however once more, this rule doesn’t apply to cost playing cards.
7. You’ll be able to hold at most 5 AmEx bank cards, not together with cost playing cards.

Abstract

This card is absolutely much like the personal AmEx Marriott Bonvoy. What’s particular about this card is, ranging from 2020, Marriott means that you can stack the elite nights earned from private and enterprise Marriott co-branded playing cards. That’s 25+15=40 elite nights in complete. Notice that you could solely earn as much as 25 elite nights if you happen to solely have private co-branded playing cards and it have to be Marriott Brilliant card. Different private card provides you at most 15 nights, irrespective of what number of of them you might have. These days this card is the one Marriott enterprise co-branded card that accepts new functions. Subsequently, you pay the $125 annual price and what you get is a free night time certificates as much as 35k plus 15 elite nights, and it’s appropriate for somebody who desires to earn Marriott elite standing.

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Really useful Downgrade Choices

• You can’t downgrade this card to any card with no annual price, so I recommend you shut it while you don’t need to hold it any longer.

After Making use of

• Click on here to examine AmEx software standing.
• AmEx reconsideration backdoor quantity: 877-399-3083. The “actual” backdoor variety of Amex is properly protected. Completely different from Chase, the representatives from this AmEx reconsideration backdoor quantity solely have the suitable that can assist you submit requests.

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