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Chase Freedom Flex® vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help users decide between the Chase Freedom Flex® and the Marriott Bonvoy Business® American Express® Card, highlighting the features, rewards, pros and cons of each card to guide your choice.
Card Overviews
Chase Freedom Flex®
The Chase Freedom Flex® is a no-annual-fee cash back credit card that offers a flexible rewards structure with the potential for high cash back earnings in rotating categories. Ideal for those who want to maximize their cash back without incurring an annual fee.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is designed for business owners and frequent travelers who prefer to earn Marriott Bonvoy points. With a reasonable annual fee, it comes with valuable travel benefits and rewards for hotel stays and business-related expenses.
Detailed Feature Comparison
| Feature | Chase Freedom Flex® | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $125 |
| Welcome Bonus | $200 Bonus after spending $500 in first 3 months | 3 Free Night Awards after spending $6,000 in first 6 months |
| Rewards Structure | 5% cash back in rotating categories, 3% on dining and drugstores, 1% on other purchases | 6x points at Marriott, 4x on restaurants and gas, 2x on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No annual fee | Annual Fee applies |
| Additional Benefits | Access to Chase Credit Journey | Complimentary Marriott Bonvoy Gold Elite Status |
Rewards Highlights
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.
Chase Freedom Flex®
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠.
- 3% cash back on dining and drugstores.
- 1% cash back on all other purchases.
Pros and Cons
Chase Freedom Flex®
- Pros:
- No annual fee
- Flexible cash back categories
- Attractive welcome bonus
- No foreign transaction fee
- Cons:
- Requires activation for bonus categories
- Cash back is not as high for non-bonus categories
Marriott Bonvoy Business® American Express® Card
- Pros:
- Generous rewards for hotel stays
- Annual free night award
- Complimentary Marriott Bonvoy Gold Elite status
- Cons:
- Annual fee applies
- High spending requirement for welcome bonus
Who Should Consider Which Card?
The Chase Freedom Flex® is ideal for those who want to earn cash back with no annual fee and enjoy the flexibility of rotating bonus categories. This card suits individuals who frequently spend in various categories and can keep track of the quarterly activations.
On the other hand, the Marriott Bonvoy Business® American Express® Card is perfect for business owners and travelers who regularly stay at Marriott hotels and want to maximize their rewards with hotel points. This card is beneficial for users who can meet the spending requirements to earn the welcome bonus and enjoy the perks of elite status.
Conclusion
In summary, both the Chase Freedom Flex® and the Marriott Bonvoy Business® American Express® Card have unique features that cater to different spending habits and financial goals. Consider your individual needs, spending patterns, and whether you prefer cash back or travel rewards when making your decision.