Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Spark Cash vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help potential cardholders decide between the Capital One Spark Cash and the Marriott Bonvoy Business® American Express® Card. Both cards cater to different spending habits and preferences, making it essential to evaluate their features and benefits carefully.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that prefer a straightforward cash-back rewards structure. It offers unlimited cash back on all purchases, making it ideal for businesses that want to earn consistently without worrying about category restrictions.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is tailored for frequent travelers and Marriott enthusiasts. It rewards cardholders with points for hotel stays and various everyday purchases, along with additional perks such as complimentary elite status and free night awards.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $125 |
| Welcome Bonus | $750 cash back after $7,500 spent in first 3 months | 3 Free Night Awards after $6,000 spent in first 6 months |
| Rewards Structure | 2% cash back on all purchases | 6x points at Marriott, 4x points on restaurants, gas, and shipping, 2x points on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | Certain hotels may have resort fees |
| Additional Benefits | Free employee cards, rewards do not expire | Complimentary Gold Elite Status, annual free night award |
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 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
- Pros:
- No foreign transaction fees
- Unlimited 2% cash back on all purchases
- Attractive welcome bonus of $750
- Free employee cards
- Cons:
- $95 annual fee after the first year
- No travel-related perks
Marriott Bonvoy Business® American Express® Card
- Pros:
- Generous points earning potential, especially for Marriott stays
- Annual free night award
- Complimentary Gold Elite Status
- Variety of bonus categories
- Cons:
- Higher annual fee of $125
- More complex rewards structure
Who Should Consider Which Card?
The Capital One Spark Cash is best suited for business owners who prefer a straightforward cash-back approach and do not want to deal with category restrictions. It’s ideal for those who want to maximize their cash back on everyday purchases.
The Marriott Bonvoy Business® American Express® Card is perfect for travelers who frequently stay at Marriott properties and value hotel loyalty perks. It is an excellent choice for those who can take advantage of the card's travel benefits and earn substantial rewards on hotel stays and dining.
Conclusion
When deciding between the Capital One Spark Cash and the Marriott Bonvoy Business® American Express® Card, consider your individual spending habits and financial goals. Each card offers unique benefits that cater to different needs, so choose the one that aligns best with your lifestyle.