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Capital One SavorOne Student Cash Rewards Credit Card vs Marriott Bonvoy Bevy® American Express® Card
This comparison aims to help users decide between the Capital One SavorOne Student Cash Rewards Credit Card and the Marriott Bonvoy Bevy® American Express® Card. Both cards offer unique features tailored to different spending habits and financial goals.
Card Overviews
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is designed for students looking to earn cash back on everyday purchases. With no annual fee and simple rewards structure, it caters to those who want to build their credit while enjoying cash back on dining, groceries, and entertainment.
Marriott Bonvoy Bevy® American Express® Card
The Marriott Bonvoy Bevy® American Express® Card targets travelers and Marriott loyalists, offering extensive rewards in the form of Marriott Bonvoy points. With a higher annual fee, this card is geared towards those who frequently stay at Marriott properties and want to maximize their travel rewards.
Detailed Feature Comparison
| Feature | Capital One SavorOne Student Cash Rewards Credit Card | Marriott Bonvoy Bevy® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | $50 when you spend $100 in the first 3 months | 155,000 points after $5,000 in purchases within the first 6 months |
| Rewards Structure | 3% cash back on dining, grocery stores, entertainment; 1% on all other purchases | 6X points on Marriott purchases, 4X at restaurants and supermarkets, 2X on other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | None | None specified |
| Additional Benefits | $0 Fraud Liability, unlimited cash back on travel booked through Capital One | Complimentary Gold Elite Status, Free Night Award, 15 Elite Night Credits |
Rewards Highlights
- Earn 155,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
Pros and Cons
Capital One SavorOne Student Cash Rewards Credit Card
- Pros:
- No annual fee and no foreign transaction fees.
- Simple cash back rewards structure.
- Early spend bonus of $50.
- Flexible cash back on dining and entertainment.
- Build credit while earning rewards.
- Cons:
- Lower rewards potential compared to travel cards.
- Limited to cash back rewards.
Marriott Bonvoy Bevy® American Express® Card
- Pros:
- High rewards potential for Marriott stays.
- Generous welcome bonus of 155,000 points.
- Complimentary Gold Elite Status with additional benefits.
- Free Night Award after qualifying spend.
- Cons:
- High annual fee of $250.
- Best for frequent travelers and Marriott loyalists only.
Who Should Consider Which Card?
The Capital One SavorOne Student Cash Rewards Credit Card is ideal for students or individuals who prefer a straightforward cash back system with no annual fee. It is perfect for those who spend significantly on dining and entertainment.
The Marriott Bonvoy Bevy® American Express® Card is best suited for frequent travelers, particularly those who often stay at Marriott hotels and want to earn robust rewards in the form of points. The annual fee is justified for users who can take full advantage of the benefits offered.
Conclusion
Ultimately, the choice between the Capital One SavorOne Student Cash Rewards Credit Card and the Marriott Bonvoy Bevy® American Express® Card depends on your personal spending habits and financial goals. Consider what rewards matter most to you and how often you travel to make the best decision.