Capital One Spark Cash vs Marriott Bonvoy Bevy® American Express® Card

This comparison aims to help users decide between the Capital One Spark Cash and the Marriott Bonvoy Bevy® American Express® Card. Both cards offer unique benefits that cater to different spending habits and financial goals.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash card is designed for businesses looking to earn cash back on every purchase. With a straightforward rewards structure and no foreign transaction fees, it is ideal for entrepreneurs who value simplicity and reliability in their credit card usage.

Marriott Bonvoy Bevy® American Express® Card

The Marriott Bonvoy Bevy® American Express® Card targets frequent travelers and Marriott loyalists. It offers robust rewards on hotel stays and dining, along with various travel benefits, making it suitable for those who often stay at Marriott properties and want to maximize their travel rewards.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash

• Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
• 5% cash back on hotels and rental cars booked through Capital One Travel
• 2% cash back on every purchase

Marriott Bonvoy Bevy® American Express® Card

• 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 Spark Cash

• Pros:
  • Simple cash back structure
  • No foreign transaction fees
  • Free employee cards
  • Welcome bonus is substantial
• Cons:
  • $95 annual fee after the first year
  • Limited travel-related rewards

Marriott Bonvoy Bevy® American Express® Card

• Pros:
  • High rewards rate for Marriott stays
  • Valuable welcome bonus in points
  • Complimentary Gold Elite Status
  • Additional benefits for frequent travelers
• Cons:
  • Higher annual fee
  • Rewards can be complex to redeem

Who Should Consider Which Card?

The Capital One Spark Cash is ideal for business owners who prefer cash back on all purchases without worrying about categories or limits. It is suitable for those who travel less frequently and prefer simplicity.

On the other hand, the Marriott Bonvoy Bevy® American Express® Card is perfect for travelers who frequently stay at Marriott properties and want to maximize their rewards through hotel stays and dining. It is best for those who can take advantage of the additional travel perks offered by the card.

Conclusion

When choosing between the Capital One Spark Cash and the Marriott Bonvoy Bevy® American Express® Card, consider your individual spending habits and financial goals. Whether you prioritize cash back simplicity or travel rewards, both cards offer valuable benefits that cater to different lifestyles.

“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.”