Capital One Spark Cash Plus vs Marriott Bonvoy Business® American Express® Card

This comparison aims to provide a detailed overview of the Capital One Spark Cash Plus and the Marriott Bonvoy Business® American Express® Card. By examining their key features and benefits, we hope to guide you in deciding which card aligns best with your financial needs and spending habits.

Card Overviews

Capital One Spark Cash Plus

The Capital One Spark Cash Plus is designed for business owners looking to maximize their cash back rewards. With an unlimited 2% cash back on all purchases and a significant welcome bonus, this card caters to those with high spending needs.

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card targets frequent travelers, particularly those who stay at Marriott hotels. It offers generous rewards on hotel stays and dining, along with valuable perks like Free Night Awards and elite status within the Marriott Bonvoy program.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash Plus

• $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
• 2% cash back on every purchase.
• 5% cash back on hotels and rental cars booked through Capital One's travel booking site.

Marriott Bonvoy Business® American Express® Card

• 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 Spark Cash Plus

• Pros:
  • Unlimited 2% cash back on all purchases.
  • Flexible spending limit adapts to business needs.
  • Generous welcome bonus.
  • No foreign transaction fees.
• Cons:
  • High annual fee.
  • Requires significant spending to maximize bonuses.

Marriott Bonvoy Business® American Express® Card

• Pros:
  • Excellent rewards for hotel stays and dining.
  • Generous welcome offer with Free Night Awards.
  • Complimentary Gold Elite Status benefits.
• Cons:
  • Annual fee is still significant.
  • Rewards mainly beneficial for Marriott loyalists.

Who Should Consider Which Card?

The Capital One Spark Cash Plus is ideal for business owners who prioritize cash back on everyday purchases and have high spending needs. This card is suitable for those who want a straightforward rewards structure without category restrictions.

On the other hand, the Marriott Bonvoy Business® American Express® Card is perfect for frequent travelers who often stay at Marriott hotels and enjoy maximizing travel rewards. This card offers excellent value for those who travel frequently and prefer hotel-related benefits.

Conclusion

In conclusion, both the Capital One Spark Cash Plus and the Marriott Bonvoy Business® American Express® Card have their unique strengths. Your choice should depend on your individual spending patterns, business needs, and travel habits. Evaluate which card aligns best with your financial goals to make an informed decision.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”