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Ink Business Unlimited® Credit Card vs Marriott Bonvoy Business® American Express® Card
This comparison aims to help you decide between the Ink Business Unlimited® Credit Card and the Marriott Bonvoy Business® American Express® Card. Both cards target business owners but offer different rewards and benefits, making it essential to evaluate them based on your specific needs and spending habits.
Card Overviews
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is designed for business owners looking for straightforward cash back on every purchase. It offers unlimited 1.5% cash back on all purchases, with no annual fee, making it a great option for those who prefer simplicity and cash rewards.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card is tailored for frequent travelers, especially those who often stay at Marriott properties. With a variety of travel-related benefits, including hotel points and free night awards, this card is ideal for business owners who prioritize travel rewards and hotel stays.
Detailed Feature Comparison
| Feature | Ink Business Unlimited® Credit Card | Marriott Bonvoy Business® American Express® Card |
|---|---|---|
| Annual Fee | No Annual Fee | $125 |
| Welcome Bonus | Earn $750 bonus cash back after you spend $6,000 in the first 3 months. | Earn 3 Free Night Awards after spending $6,000 in the first 6 months. |
| Rewards Structure | 1.5% cash back on every purchase. | 6x points on Marriott purchases, 4x on restaurants, gas, and shipping, 2x on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | Terms apply |
| Additional Benefits | Zero liability protection, employee cards at no cost. | Complimentary Gold Elite Status, 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 Unlimited® Credit Card
- Pros:
- No annual fee
- Simple cash back rewards structure
- Flexible redemption options
- Employee cards at no additional cost
- Cons:
- Lower rewards potential for travel-related spending
- No travel-specific perks
Marriott Bonvoy Business® American Express® Card
- Pros:
- Strong rewards for Marriott-related purchases
- Multiple free night awards
- Complimentary hotel elite status
- Good for frequent travelers
- Cons:
- Annual fee of $125
- More complex rewards structure
Who Should Consider Which Card?
- Ink Business Unlimited® Credit Card: Ideal for business owners who prefer a straightforward cash back card without an annual fee and who do not frequently travel.
- Marriott Bonvoy Business® American Express® Card: Best suited for those who regularly stay at Marriott hotels and want to maximize travel rewards and benefits associated with hotel stays.
Conclusion
Ultimately, the choice between the Ink Business Unlimited® Credit Card and the Marriott Bonvoy Business® American Express® Card depends on your individual needs and spending patterns. Consider your spending habits, travel frequency, and preferences for rewards to make an informed decision.