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Ink Business Preferred® Credit Card vs Marriott Bonvoy Business® American Express® Card
This comparison aims to assist users in deciding between the Ink Business Preferred® Credit Card and the Marriott Bonvoy Business® American Express® Card. Each card has unique features and benefits tailored to different spending habits and travel preferences.
Ink Business Preferred® Credit Card Overview
The Ink Business Preferred® Credit Card is designed for business owners who want to earn rewards on their business expenses. With a generous welcome bonus and a strong rewards structure, this card is ideal for those who travel frequently and spend significantly in select categories.
Marriott Bonvoy Business® American Express® Card Overview
The Marriott Bonvoy Business® American Express® Card is tailored for frequent travelers who prefer Marriott hotels. It offers valuable rewards for hotel stays and dining, along with unique perks like complimentary elite status and free night awards, making it a great choice for loyal Marriott guests.
Detailed Feature Comparison
| Feature | Ink Business Preferred® Credit Card | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | $95 | $125 |
| Welcome Bonus | Earn 90k bonus points after spending $8,000 in the first 3 months | Earn 3 Free Night Awards after spending $6,000 in the first 6 months |
| Rewards Structure | 3 points per $1 on travel and select business categories; 1 point on all other purchases | 6x points at Marriott hotels; 4x on restaurants, gas stations, and shipping; 2x on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Late payment fees apply | Late payment fees apply |
| Additional Benefits | Purchase protection, travel benefits, and points redemption options | Complimentary Gold Elite Status, annual free night awards |
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 Preferred® Credit Card
- Pros:
- High welcome bonus and earning potential on business categories.
- No foreign transaction fees.
- Flexible points redemption options.
- Strong purchase protection benefits.
- Cons:
- Annual fee of $95.
- Higher spending requirement for the welcome bonus.
Marriott Bonvoy Business® American Express® Card
- Pros:
- Generous rewards for Marriott stays and dining.
- Complimentary Gold Elite Status.
- 3 Free Night Awards as a welcome bonus.
- Annual free night award after renewal.
- Cons:
- Annual fee of $125.
- Limited to Marriott hotel stays for maximum value.
Who Should Consider Which Card?
The Ink Business Preferred® Credit Card is ideal for business owners who frequently travel and spend significantly in various business categories. This card offers flexibility in points redemption and is suitable for individuals looking for travel rewards that can be used across different platforms.
On the other hand, the Marriott Bonvoy Business® American Express® Card is perfect for those who are loyal to Marriott and frequently stay at their properties. The valuable perks like free night awards and elite status make it an attractive option for Marriott enthusiasts.
Conclusion
In summary, when deciding between the Ink Business Preferred® Credit Card and the Marriott Bonvoy Business® American Express® Card, it's essential to reflect on your personal spending habits, travel preferences, and overall financial goals. Each card offers unique benefits that cater to different user needs.