United℠ Club vs Marriott Bonvoy Business® American Express® Card
Side-by-side comparison
| United℠ Club | Marriott Bonvoy Business® American Express® Card | |
|---|---|---|
| Annual fee | $695 | $125 |
| Welcome offer | Up to 90,000 bonus miles | 150,000 points |
| Advertising | 1% | 2% |
| Shipping | 1% | 4% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 4% |
| Travel | 2% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $522 | $1,092 |
| Points type | Locked to United MileagePlus | Locked to Marriott Bonvoy |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the United℠ Club earns about $522 a year in rewards and the Marriott Bonvoy Business® American Express® Card about $1,092, valuing every point at a flat 1 cent. The United℠ Club charges $695, which you clear through its rewards and perks. The Marriott Bonvoy Business® American Express® Card charges $125, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Marriott Bonvoy Business® American Express® Card delivers more total value, about $1,140 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and shipping. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Marriott Bonvoy Business® American Express® Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Business® American Express® Card if your spending leans toward advertising, shipping, office supplies.