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Ink Business Premier® Credit Card vs Marriott Bonvoy Bold® Credit Card
This comparison aims to help you decide between the Ink Business Premier® Credit Card and the Marriott Bonvoy Bold® Credit Card. Both cards offer distinct features and benefits tailored to different users. Understanding their offerings will assist you in making an informed choice based on your financial habits and goals.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners who want to maximize their cash back on business expenses. With a competitive rewards structure and valuable travel benefits, this card is ideal for those looking to earn significant rewards on larger purchases.
Marriott Bonvoy Bold® Credit Card
The Marriott Bonvoy Bold® Credit Card is tailored for frequent travelers and Marriott loyalists. With no annual fee and a strong rewards program for hotel stays and travel-related purchases, this card is perfect for those who enjoy staying at Marriott properties and want to earn points towards free nights.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | Marriott Bonvoy Bold® Credit Card |
|---|---|---|
| Annual Fee | $195 | $0 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 in the first 3 months | Earn 30,000 Bonus Points after you spend $1,000 in the first 3 months |
| Rewards Structure | Unlimited 5% cash back on travel through Chase Travel, 2.5% on purchases of $5,000+, 2% on all other business purchases | Up to 14X points at Marriott hotels, 2X points on select categories, 1X point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Variable fees may apply | Variable fees may apply |
| Additional Benefits | Purchase protections, Flex for Business feature, no cost for employee cards | Pay Yourself Back® feature, no annual fee, travel purchase flexibility |
Rewards Highlights
Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Marriott Bonvoy Bold® Credit Card
- Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
Pros and Cons
Ink Business Premier® Credit Card
- Pros:
- High cash back potential on large purchases.
- No foreign transaction fees.
- Comprehensive purchase protections.
- Cons:
- High annual fee compared to no-fee options.
- Requires a significant spend to earn the welcome bonus.
Marriott Bonvoy Bold® Credit Card
- Pros:
- No annual fee, making it budget-friendly.
- Strong rewards for Marriott stays and related purchases.
- Flexible payment options for travel purchases.
- Cons:
- Lower cash back on non-travel purchases.
- Limited to Marriott loyalty program for maximum rewards.
Who Should Consider Which Card?
The Ink Business Premier® Credit Card is best for business owners who frequently make large purchases and want to earn substantial cash back on those expenses. It's suited for businesses that can leverage the card’s benefits to maximize rewards.
On the other hand, the Marriott Bonvoy Bold® Credit Card is ideal for travelers who often stay at Marriott properties and want to earn points towards free hotel nights without incurring an annual fee. It’s perfect for casual travelers and those who enjoy the perks of the Marriott Bonvoy program.
Conclusion
In summary, choosing between the Ink Business Premier® Credit Card and the Marriott Bonvoy Bold® Credit Card depends largely on your spending habits and financial goals. Consider what benefits are most valuable to you and how often you travel or make business purchases to determine the best fit for your needs.