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Chase Sapphire Reserve® vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help users decide between the Chase Sapphire Reserve® and the Marriott Bonvoy Business® American Express® Card. Both cards cater to travelers and offer unique rewards and benefits that may appeal to different types of users.
Chase Sapphire Reserve® Overview
The Chase Sapphire Reserve® is a premium travel credit card designed for frequent travelers who seek luxury experiences and extensive rewards. With a high annual fee, it offers substantial benefits, including travel credits, bonus point earnings, and exclusive access to airport lounges.
Marriott Bonvoy Business® American Express® Card Overview
The Marriott Bonvoy Business® American Express® Card targets business travelers and Marriott loyalists. It provides a lower annual fee and generous rewards on hotel stays, dining, and other business-related expenses, along with complimentary elite status in the Marriott Bonvoy program.
Detailed Feature Comparison
| Feature | Chase Sapphire Reserve® | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $550 | $125 |
| Welcome Bonus | 60,000 points after spending $5,000 in the first 3 months | 3 Free Night Awards after spending $6,000 in the first 6 months |
| Rewards Structure | 5x on flights, 10x on hotels and car rentals via Chase Travel℠, 3x on dining, 1x on other purchases | 6x on Marriott hotels, 4x on restaurants, gas stations, wireless services, and shipping, 2x on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Varies | Varies |
| Additional Benefits | $300 annual travel credit, 50% more value on travel redemptions, airport lounge access | Complimentary Gold Elite Status, annual Free Night Award |
Rewards Highlights
Chase Sapphire Reserve®
- Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
- Earn 5x total points on flights through Chase Travel℠.
- Earn 3x points on other travel and dining.
- Earn 1 point per $1 spent on all other purchases.
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
Chase Sapphire Reserve® Pros
- High earning potential on travel and dining.
- Generous travel credits and benefits.
- Access to exclusive airport lounges.
- 1:1 point transfer to airline and hotel loyalty programs.
Chase Sapphire Reserve® Cons
- High annual fee may deter some users.
- Requires significant spending to maximize benefits.
Marriott Bonvoy Business® American Express® Card Pros
- Lower annual fee compared to competitors.
- Excellent rewards for Marriott stays.
- Complimentary Gold Elite Status enhances travel perks.
- Free Night Awards add substantial value.
Marriott Bonvoy Business® American Express® Card Cons
- Best rewards are tied to Marriott hotels.
- Less versatile than other travel cards for non-Marriott purchases.
Who Should Consider Which Card?
- The Chase Sapphire Reserve® is ideal for frequent travelers who prioritize luxury experiences, extensive travel rewards, and benefits like airport lounge access.
- The Marriott Bonvoy Business® American Express® Card is best suited for business travelers and Marriott loyalists who want to maximize their rewards on hotel stays and enjoy lower costs associated with travel-related purchases.
Conclusion
When choosing between the Chase Sapphire Reserve® and the Marriott Bonvoy Business® American Express® Card, consider your individual spending habits, travel preferences, and financial goals. Each card offers unique benefits that cater to different types of users, making it essential to evaluate which aligns best with your lifestyle.