Costs & Pricing

Metric	The Business Platinum Card® from American Express	Marriott Bonvoy Business® American Express® Card
Annual fee	$895 (new accounts since 09/18/2025; existing accounts moved to $895 on first renewal on or after 12/02/2025). Refundable if closed within 30 days of the Closing Date the fee posted.	$125 (no first-year waiver published)
Employee card fee	$400 each Additional Business Platinum Card; $0 each Additional Business Expense Card; max 99 additional cards. Legacy accounts opened before 09/18/2025 and not notified of the change may still be billed $350.	$0; up to 99 Employee Cards
Purchase APR	Pay Over Time only: Prime + 10.99% to Prime + 21.74% (marketed 17.74%–28.49% variable); cap 29.99%. Does not apply to Pay In Full charges paid by the due date.	Prime + 12.74% to Prime + 21.74% (marketing 19.49%–28.49% variable at Prime 6.75% as of 1–2 Sep 2026). Placement by creditworthiness at opening. No intro APR.
Intro APR (purchases)	Not offered	Not offered
Foreign transaction fee	$0	$0
Late payment fee	$39 or 2.99% of any past-due Pay In Full amount, whichever is greater	Up to $39; will not exceed Minimum Payment Due

Rewards & Value

Metric	The Business Platinum Card® from American Express	Marriott Bonvoy Business® American Express® Card
Base earn rate	1X Membership Rewards point per $1 on other eligible purchases	2 Marriott Bonvoy points per $1 on other eligible purchases (no published cap). Card-side points only — Marriott member-stay points are a program overlay, not a card rate.
Welcome bonus	Personalized — marketed as high as 300,000 Membership Rewards points after $20,000 eligible spend in the first 3 months. Welcome offers vary and you may not be eligible. Do not treat 300k as a guaranteed public offer.	Up to 125,000 Bonvoy bonus points: 75,000 after $6,000 eligible purchases + 50,000 after an additional $3,000 ($9,000 total) within the first 6 months of Card Membership (live public offer, 3 Sep 2026). Rotates — 3+2 Free Night Awards have appeared in other cycles. Offer end date not printed on the Business page.
Redemption value	Issuer does not publish a single cpp. Do not invent one. Pay-with-Points airfare is often treated near 1¢; hotel portal is frequently lower. Transfers can be higher or lower.	Issuer does not publish a cent value. Do not invent one. Industry write-ups often use ~0.6–0.9¢ on paid-night replacement; airline transfers often lower. Do not assume 1¢.
Transfer partners	Membership Rewards program (not card-unique; ratios change). Most airlines 1:1; commonly cited exceptions include Aeromexico 1:1.6, JetBlue 250:200, Hilton 1:2, Marriott 1:1, Choice 1:1, LHW 4:1. Re-check membershiprewards.com. Typical minimum 1,000 points. One-way. No expiration while the account remains open / program rules are met.	Marriott Bonvoy airline partners at ~3:1 (not Membership Rewards). Not transferable to Amex MR.

Credit & Eligibility

Metric	The Business Platinum Card® from American Express	Marriott Bonvoy Business® American Express® Card
Personal guarantee	Required in substance. CMA: “The Basic Card Member and the Company remain jointly and severally liable for all Charges.” Not a no-PG product.	Required in substance. CMA: Basic Cardmember and Company jointly and severally liable for all charges, including Employee Card use.
Credit check	Marketed “Know if you're approved with no personal credit score impact.” Secondary: decision often before a hard pull; hard personal inquiry commonly reported if the card is accepted. Business bureau review may occur when an EIN is used.	No personal-score impact to learn if approved. Personal score may be impacted if approved and the Card is accepted. Business credit may be impacted on submit.
Employee cards	Up to 99 additional. Platinum AU $400 with fuller travel benefits (lounge, hotel status, GE/PreCheck commonly reported as individual). Many statement credits remain account-pooled. Expense cards $0 without the full perk stack. Spend limits, alerts, freeze.	Up to 99 at $0 AF. Spend limits, merchant-type limits, real-time alerts, freeze/unfreeze, account graphs. Liability remains on Basic Cardmember + Company.
Product type	Charge card with No Preset Spending Limit plus optional Pay Over Time (hybrid charge / limited-revolve)	Revolving business credit card (not a charge card; not a spend-management / net-terms product)

Pros & Cons

The Business Platinum Card® from American Express

Pros

• 5X on Amex Travel flights / prepaid hotels / prepaid STRs, transferable MR, and 35% Pay-with-Points airline rebate
• 2X on defined U.S. construction, electronics/software/cloud, shipping, and $5k+ tickets up to $2M
• Global Lounge Collection plus $600 hotel credit and FHR/Hotel Collection access; $0 FTF; NPSL
• Business credit stack (Dell up to $1,150, Indeed $360, Adobe $250, wireless $120, ChatGPT Business $300) if those vendors are already in use
• CLEAR+, Global Entry/PreCheck, hotel elite status, and cell-phone protection on a charge card

Cons

• $895 primary fee and $400 perk-bearing employee cards
• 1X on most everyday spend; 5X does not apply to flights booked direct with airlines
• Credits are fragmented, enrollment-gated, and easy to miss; marketing “$4,000+ value” assumes utilization the business may not have
• Pay-in-full late fee can be 2.99% of past-due PIF; POT APR is high if used as working capital
• Personal / joint-and-several liability; welcome bonus is personalized (“as high as”) and generally once per this product

Marriott Bonvoy Business® American Express® Card

Pros

• $125 fee with an automatic annual Free Night (≤35,000 points) that can exceed the fee if redeemed against a high cash rate
• Complimentary Gold Elite + 15 ENCs without 25 paid nights
• 4X on four real small-business categories (worldwide restaurants, U.S. gas, U.S. wireless, U.S. shipping) with no published cap
• Up to 99 employee cards at $0 with limits and alerts; $0 FTF
• Apply-to-decision path that does not hit personal credit unless the Card is accepted

Cons

• $125 fee with no statement-credit offset; 35k Free Night cap plus dynamic pricing and resort fees
• Points are Marriott-locked; airline transfers are 3:1
• Purchase APR 19.49%–28.49% variable and no 0% intro — a poor revolver
• Personal / joint-and-several liability
• No lounge access, no Global Entry/TSA credit, thin trip-insurance stack vs premium Amex business cards

Verdict

The Business Platinum Card® from American Express

Business Platinum is the lounge-and-credits SKU — not consumer Platinum (different credits, broader direct-airline 5X) and not Business Gold (lower fee, auto-4X ads/restaurants/gas). It pays when portal travel, 2X categories, and enrollment credits are real spend you already have. Unused credits make $895 a net loss versus Ink Preferred or a 2% cash card. Poor daily driver for flat cash back, 0% capital, no-PG underwriting, or flights ticketed direct with airlines.

Marriott Bonvoy Business® American Express® Card

This is the live U.S. Marriott business cobrand — not Bevy/Brilliant, not Chase Marriott Business (closed to new applicants), and not the Canadian $150 / 5X/3X/2X card. It pays when the firm actually sleeps Marriott and uses the Free Night. A hotel-agnostic shopper should use Ink Preferred, Business Gold, or a $0 2% cash card instead. Do not put Bonvoy member-stay points in the card earn column.