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American Express® Gold Card vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help users decide between the American Express® Gold Card and the Marriott Bonvoy Business® American Express® Card. Both cards offer unique benefits and rewards tailored to different spending habits and preferences.
Card Overviews
American Express® Gold Card
The American Express® Gold Card is designed for foodies and frequent travelers. With its high rewards rate on dining and supermarkets, it appeals to those who enjoy dining out and cooking at home.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is tailored for business travelers and Marriott loyalists, offering robust rewards for hotel bookings and travel-related purchases.
Detailed Feature Comparison
| Feature | American Express® Gold Card | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $325 | $125 |
| Welcome Bonus | 60,000 Membership Rewards® Points after spending $6,000 in first 6 months | 3 Free Night Awards after spending $6,000 in first 6 months |
| Rewards Structure | 4X points at restaurants & supermarkets, 3X on flights, 2X on hotels | 6X points at Marriott hotels, 4X on restaurants, gas stations, shipping, 2X on others |
| Foreign Transaction Fee | None | None |
| Other Fees | None listed | Certain hotels may have resort fees |
| Additional Benefits | $120 Uber Cash, $84 Dunkin' Credit, $100 Resy Credit, $120 Dining Credit | Annual Free Night Award, Complimentary Gold Elite Status |
Rewards Highlights
American Express® Gold Card Rewards
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Marriott Bonvoy Business® American Express® Card Rewards
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
Pros and Cons
American Express® Gold Card Pros
- High rewards rate on dining and supermarkets.
- Generous welcome bonus.
- Various statement credits for dining and Uber.
- No foreign transaction fees.
American Express® Gold Card Cons
- Higher annual fee compared to some competitors.
- Rewards may be less valuable for non-dining purchases.
Marriott Bonvoy Business® American Express® Card Pros
- Excellent rewards for hotel stays and travel-related purchases.
- Free night awards can provide significant value.
- Complimentary Gold Elite Status.
- Lower annual fee compared to the Gold Card.
Marriott Bonvoy Business® American Express® Card Cons
- Limited rewards outside of Marriott-related purchases.
- Free Night Awards have redemption limits.
Who Should Consider Which Card?
The American Express® Gold Card is ideal for individuals who frequently dine out or shop at supermarkets and appreciate a variety of dining credits. In contrast, the Marriott Bonvoy Business® American Express® Card is best suited for business travelers or Marriott loyalists who will benefit from hotel rewards and free night awards.
Conclusion
Ultimately, choosing between the American Express® Gold Card and the Marriott Bonvoy Business® American Express® Card comes down to individual spending habits and travel preferences. Consider your lifestyle and how each card’s benefits align with your financial goals before making a decision.