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Ink Business Premier® Credit Card vs Marriott Bonvoy Boundless® Credit Card
This comparison aims to help you decide between the Ink Business Premier® Credit Card and the Marriott Bonvoy Boundless® Credit Card. Each card caters to different spending habits and financial goals, making it essential to understand their features and benefits.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners looking to earn cash back on their purchases. With a strong focus on travel benefits and cash back rewards, this card offers various protections and tools to help manage business expenses effectively.
Marriott Bonvoy Boundless® Credit Card
The Marriott Bonvoy Boundless® Credit Card is ideal for frequent travelers who prefer staying at Marriott hotels. With its rewards structure heavily centered on earning points for hotel stays and elite status benefits, this card is tailored for those who enjoy travel and hospitality perks.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | Marriott Bonvoy Boundless® Credit Card |
|---|---|---|
| Annual Fee | $195 | $95 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months. | Earn 3 Free Night Awards (each night valued up to 50,000 points) plus 50,000 bonus points after qualifying purchases. |
| Rewards Structure | Unlimited 5% cash back on travel purchased through Chase Travel℠, 2.5% on purchases of $5,000 or more, and 2% on all other business purchases. | Up to 17X points per $1 spent at Marriott hotels, 3X points on the first $6,000 spent on grocery stores, gas stations, and dining, 2X points on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | No additional cost for employee cards. | None specified. |
| Additional Benefits | Trip Cancellation/Trip Interruption Insurance, built-in protections like Fraud Protection, Purchase Protection, and more. | 15 Elite Night Credits annually, automatic Silver Elite status, and a Free Night Award each year after account anniversary. |
Rewards Highlights
Ink Business Premier® Credit Card Rewards
- 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 Boundless® Credit Card Rewards
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy®.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- 2X points for every $1 spent on all other purchases.
Pros and Cons
Ink Business Premier® Credit Card Pros and Cons
- Pros:
- High cash back potential on large purchases.
- Variety of business-related protections.
- No foreign transaction fees.
- Cons:
- Annual fee is higher compared to other cards.
- Requires a business to benefit fully from features.
Marriott Bonvoy Boundless® Credit Card Pros and Cons
- Pros:
- Generous rewards for Marriott stays and travel-related spending.
- Free Night Award and Elite Night Credits enhance value.
- No foreign transaction fees.
- Cons:
- Rewards are mostly beneficial for Marriott loyalists.
- Lower cash back potential compared to business-focused cards.
Who Should Consider Which Card?
The Ink Business Premier® Credit Card is ideal for business owners who frequently make large purchases and want to maximize cash back rewards, especially on travel-related expenses. It's suitable for those who need various protections and tools for managing business finances.
On the other hand, the Marriott Bonvoy Boundless® Credit Card is best suited for travelers who frequently stay at Marriott properties. If you value hotel rewards and benefits like free nights and elite status, this card can significantly enhance your travel experiences.
Conclusion
When choosing between the Ink Business Premier® Credit Card and the Marriott Bonvoy Boundless® Credit Card, consider your individual spending habits and financial goals. Each card offers unique benefits that cater to different lifestyles and priorities, so assess what aligns best with your needs.