Capital One Spark Miles for Business vs Marriott Bonvoy Business® American Express® Card

This comparison aims to help users decide between the Capital One Spark Miles for Business and the Marriott Bonvoy Business® American Express® Card. Both cards cater to business owners but offer distinct features and rewards tailored to different spending habits.

Card Overviews

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is designed for business owners who travel frequently and want to maximize their travel rewards. With a straightforward rewards structure and no expiration on miles, this card is ideal for those looking to earn unlimited miles on every purchase.

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card is perfect for business travelers who often stay at Marriott properties. This card focuses on hotel rewards and offers multiple ways to earn points for Marriott stays, along with additional travel perks.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Miles for Business

• 2 miles per $1 on every purchase, everywhere
• 5 miles per dollar on hotels, vacation rentals, 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 Miles for Business

• Pros:
• No foreign transaction fees
• Flexible miles redemption options
• Free employee cards that also earn miles
• Simple rewards structure

• Cons:
• Annual fee after the first year
• Lower rewards on non-travel purchases

Marriott Bonvoy Business® American Express® Card

• Pros:
• High rewards for Marriott stays
• Annual Free Night Awards
• Gold Elite Status benefits
• Significant welcome offer

• Cons:
• Higher annual fee
• Limited to Marriott's ecosystem for maximum benefits

Who Should Consider Which Card?

The Capital One Spark Miles for Business is ideal for business owners who want a straightforward rewards program with flexibility in how they redeem miles. It's particularly beneficial for those who travel frequently and prefer to earn miles on various purchases without worrying about category restrictions.

The Marriott Bonvoy Business® American Express® Card is best suited for users who are loyal to Marriott and frequently book stays at Marriott properties. If your business travel involves hotels and you can leverage the additional perks, this card may offer more value.

Conclusion

When deciding between the Capital One Spark Miles for Business and the Marriott Bonvoy Business® American Express® Card, consider your individual spending habits and travel preferences. Both cards have unique benefits that can cater to different types of users, so assess your business needs carefully to make the best choice.

“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.”