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Capital One SavorOne Cash Rewards for Good Credit vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help users decide between the Capital One SavorOne Cash Rewards for Good Credit and the Marriott Bonvoy Business® American Express® Card. Both cards offer unique rewards and benefits tailored to different spending habits and lifestyles.
Card Overviews
Capital One SavorOne Cash Rewards for Good Credit
The Capital One SavorOne Cash Rewards for Good Credit is designed for individuals who want to earn cash back on everyday purchases with no annual fee. It offers substantial rewards for dining, entertainment, and grocery shopping, making it ideal for those who frequently spend in these categories.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is targeted towards frequent travelers, particularly those who stay at Marriott hotels. With a modest annual fee, this card provides significant travel rewards and benefits, including free night awards and elite status in the Marriott Bonvoy program.
Detailed Feature Comparison
| Feature | Capital One SavorOne Cash Rewards for Good Credit | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $125 |
| Welcome Bonus | N/A | 3 Free Night Awards after $6,000 in purchases within the first 6 months |
| Rewards Structure | 3% cash back at grocery stores, dining, entertainment, and streaming 5% on hotels and rental cars booked through Capital One Travel 1% on all other purchases |
6x Marriott Bonvoy points at Marriott hotels 4x points on restaurants, gas stations, and shipping 2x points on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | Certain hotels may have resort fees |
| Additional Benefits | $0 Fraud Liability | Complimentary Marriott Bonvoy Gold Elite Status |
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 SavorOne Cash Rewards for Good Credit
- Pros:
- No annual fee
- High cash back rewards on dining and entertainment
- No foreign transaction fees
- Cash back does not expire
- Cons:
- No welcome bonus
- Limited travel rewards
Marriott Bonvoy Business® American Express® Card
- Pros:
- Free night awards after meeting spending thresholds
- Complimentary Gold Elite Status
- High rewards on Marriott purchases
- Cons:
- Annual fee of $125
- Requires significant spending for welcome bonus
Who Should Consider Which Card?
- If you frequently dine out, enjoy entertainment, and prefer cash back rewards, the Capital One SavorOne Cash Rewards for Good Credit may be the better option.
- If you travel often and stay at Marriott hotels, the Marriott Bonvoy Business® American Express® Card offers valuable rewards and benefits tailored to your travel needs.
Conclusion
When choosing between the Capital One SavorOne Cash Rewards for Good Credit and the Marriott Bonvoy Business® American Express® Card, consider your individual spending habits and financial goals. Each card offers distinct advantages that cater to different lifestyles, so assess your needs to make the best choice for your situation.