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Capital One Platinum Credit Card vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help users decide between the Capital One Platinum Credit Card and the Marriott Bonvoy Business® American Express® Card. Both cards cater to different needs and preferences, which will be outlined below.
Card Overviews
Capital One Platinum Credit Card
The Capital One Platinum Credit Card is designed for individuals looking to build or improve their credit history. It offers no annual fee and is ideal for those who prioritize credit-building while enjoying basic card benefits.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is tailored for business owners and frequent travelers who seek to earn rewards while staying at Marriott properties. With a moderate annual fee, it delivers valuable perks for those who often travel and dine out.
Detailed Feature Comparison
| Feature | Capital One Platinum Credit Card | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $125 |
| Welcome Bonus | None | Earn 3 Free Night Awards after $6,000 in eligible purchases within the first 6 months. |
| Rewards Structure | N/A | 6x points at Marriott, 4x points on restaurants, gas, wireless services, and shipping, 2x points on all other purchases. |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | None | Terms apply for various benefits. |
| Additional Benefits | $0 Fraud Liability, CreditWise monitoring, 24/7 account access. | Free Night Awards, complimentary Gold Elite status, 7% discount on eligible bookings. |
Rewards Highlights
- 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
Capital One Platinum Credit Card
- Pros:
- No annual fee.
- Helps build credit score.
- 24/7 online banking access.
- Contactless payment options.
- Credit monitoring with CreditWise.
- Cons:
- No rewards program.
- No welcome bonus.
Marriott Bonvoy Business® American Express® Card
- Pros:
- Earn rewards points on hotel stays and other purchases.
- Valuable welcome bonus for new cardholders.
- Free Night Awards and Gold Elite status benefits.
- Discount on eligible bookings.
- Cons:
- Annual fee of $125.
- More suitable for frequent travelers.
Who Should Consider Which Card?
The Capital One Platinum Credit Card is ideal for individuals who are starting their credit journey or looking to improve their credit score without incurring any fees. In contrast, the Marriott Bonvoy Business® American Express® Card is better suited for business owners and travelers who spend significantly on travel-related expenses and can leverage the rewards and benefits offered.
Conclusion
When considering which card to choose, it's essential to evaluate your individual needs and spending habits. If your goal is to build credit without annual fees, the Capital One Platinum Credit Card may be the right fit. However, if you frequently stay at Marriott hotels and enjoy travel benefits, the Marriott Bonvoy Business® American Express® Card could provide greater value.