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Ink Business Cash® Credit Card vs Marriott Bonvoy Business® American Express® Card
The purpose of this comparison is to help users decide between the Ink Business Cash® Credit Card and the Marriott Bonvoy Business® American Express® Card. Each card offers unique features and benefits that cater to different spending habits and preferences.
Card Overviews
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is designed for small business owners looking to earn cash back on their everyday business expenses. With no annual fee and a rewarding cash back structure, this card is ideal for those who frequently purchase office supplies, use internet services, and dine out.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is tailored for frequent travelers who prefer the Marriott hotel chain. This card offers substantial rewards for hotel stays, as well as additional benefits such as free night awards and elite status, making it an excellent choice for those who travel often for business or leisure.
Detailed Feature Comparison
| Feature | Ink Business Cash® Credit Card | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | No Annual Fee | $125 |
| Welcome Bonus | Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 in the first six months | Earn 3 Free Night Awards after $6,000 in eligible purchases within the first 6 months |
| Rewards Structure | 5% cash back at office supply stores and on internet, cable, and phone services; 2% at gas stations and restaurants; 1% on all other purchases | 6x points at Marriott hotels; 4x points for restaurants, gas stations, wireless services; 2x points on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No additional fees specified | Certain hotels may have resort fees |
| Additional Benefits | Zero Liability and redeem rewards through Chase Ultimate Rewards® | Complimentary Marriott Bonvoy Gold Elite Status and annual Free Night Award |
Rewards Highlights
- 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
Ink Business Cash® Credit Card
- Pros:
- No annual fee
- High cash back rates on office supplies and utilities
- Flexible redemption options through Chase Ultimate Rewards®
- Cons:
- Cash back rewards may not be as valuable as travel points for frequent travelers
- Limited bonus categories compared to travel-focused cards
Marriott Bonvoy Business® American Express® Card
- Pros:
- Attractive rewards for hotel stays and travel-related purchases
- Annual free night awards add significant value
- Complimentary Gold Elite Status enhances travel experience
- Cons:
- Annual fee of $125 may deter some users
- Best rewards are geared towards Marriott loyalists
Who Should Consider Which Card?
The Ink Business Cash® Credit Card is ideal for small business owners who want to maximize cash back on everyday expenses without the burden of an annual fee. It suits users who prefer straightforward cash rewards over travel points.
On the other hand, the Marriott Bonvoy Business® American Express® Card is best for those who frequently stay at Marriott properties and are looking for travel rewards. The card's perks, such as free night awards and elite status, provide significant value for regular travelers.
Conclusion
In summary, both cards have distinct advantages tailored to different user needs. The choice between the Ink Business Cash® Credit Card and the Marriott Bonvoy Business® American Express® Card should be based on individual spending habits and financial goals. Consider your priorities, whether it's cash back or travel rewards, to make the best decision.