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Capital One SavorOne Student Cash Rewards Credit Card vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help you decide between the Capital One SavorOne Student Cash Rewards Credit Card and the Marriott Bonvoy Business® American Express® Card. Both cards cater to different audiences and offer unique benefits that can enhance your spending experience.
Card Overviews
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is designed for students who want to earn cash back on their everyday purchases. It offers a straightforward rewards structure with no annual fee and focuses on dining, grocery, and entertainment spending.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is tailored for business owners who frequently stay at Marriott properties. With a robust rewards program and exclusive travel benefits, this card is ideal for those who value hotel loyalty and travel rewards.
Detailed Feature Comparison
| Feature | Capital One SavorOne Student Cash Rewards Credit Card | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $125 |
| Welcome Bonus | $50 when you spend $100 in the first 3 months | Earn 3 Free Night Awards after spending $6,000 in the first 6 months |
| Rewards Structure | 3% cash back on grocery stores, dining, entertainment, and streaming services; 1% on all other purchases | 6x points at Marriott hotels; 4x points on restaurants, gas, and shipping; 2x points on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | None | None specified |
| Additional Benefits | $0 Fraud Liability, earn 5% cash back on travel booked through Capital One | Complimentary Marriott Bonvoy Gold Elite Status, annual Free Night Award |
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 Student Cash Rewards Credit Card
- Pros:
- No annual fee
- High cash back on dining and entertainment
- Flexible cash back rewards
- Suitable for students
- Cons:
- No travel-related benefits
- Lower rewards for non-bonus categories
Marriott Bonvoy Business® American Express® Card
- Pros:
- Generous rewards on hotel stays
- Free night awards and elite status
- Strong travel benefits for frequent travelers
- Cons:
- Annual fee
- Higher spending requirement for welcome bonus
Who Should Consider Which Card?
- Capital One SavorOne Student Cash Rewards Credit Card: Ideal for students and young adults looking for a no-annual-fee card that rewards everyday spending, particularly on dining and groceries.
- Marriott Bonvoy Business® American Express® Card: Best suited for business owners and frequent travelers who stay at Marriott hotels and want to maximize travel rewards and benefits.
Conclusion
When choosing between the Capital One SavorOne Student Cash Rewards Credit Card and the Marriott Bonvoy Business® American Express® Card, consider your individual spending habits and financial goals. Evaluate which features and benefits align more closely with your lifestyle to make an informed decision.