Marriott Bonvoy Business® American Express® Card vs The American Express Blue Business Cash™ Card

This comparison aims to help users decide between the Marriott Bonvoy Business® American Express® Card and the The American Express Blue Business Cash™ Card. Both cards cater to different spending habits and preferences, making it important to evaluate their features, benefits, and suitability for individual needs.

Card Overviews

Marriott Bonvoy Business® American Express® Card

• Annual Fee: $125
• Target Audience: Frequent travelers and Marriott Bonvoy members seeking rewards and benefits related to hotel stays.
• Key Features: Enhanced rewards on hotel stays, dining, and gas purchases; complimentary Gold Elite Status; annual free night awards.

The American Express Blue Business Cash™ Card

• Annual Fee: No annual fee
• Target Audience: Business owners looking for straightforward cash back on everyday purchases without an annual fee.
• Key Features: Cash back rewards, flexible spending with Expanded Buying Power, and a welcome bonus in the form of a statement credit.

Detailed Feature Comparison

Rewards Highlights

Marriott Bonvoy Business® American Express® Card

• 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.

The American Express Blue Business Cash™ Card

• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
• 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Pros and Cons

Marriott Bonvoy Business® American Express® Card

• Pros:
  • High rewards rate for Marriott stays
  • Annual free night awards
  • Complimentary Gold Elite Status
• Cons:
  • Annual fee applies
  • Requires a significant spend for the welcome bonus

The American Express Blue Business Cash™ Card

• Pros:
  • No annual fee
  • Simple cash back structure
  • Welcome bonus in the form of a statement credit
• Cons:
  • Lower rewards rate on non-business purchases
  • Cash back is capped at $50,000

Who Should Consider Which Card?

• Marriott Bonvoy Business® American Express® Card: Ideal for frequent travelers who stay at Marriott hotels and enjoy accruing points for hotel stays. Best suited for users who can maximize the benefits of the card's rewards structure, free night awards, and complimentary elite status.
• The American Express Blue Business Cash™ Card: Perfect for business owners seeking a straightforward cash back card without an annual fee. Best for users who value simplicity in rewards and want flexibility with their spending.

Conclusion

When deciding between the Marriott Bonvoy Business® American Express® Card and the The American Express Blue Business Cash™ Card, consider your spending habits and travel preferences. Each card offers unique benefits tailored to different financial goals, so evaluate what aligns best with your lifestyle.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”