Ink Business Cash® vs Marriott Bonvoy Brilliant®
Side-by-side comparison
| Ink Business Cash® | Marriott Bonvoy Brilliant® | |
|---|---|---|
| Annual fee | No annual fee | $650 |
| Welcome offer | ||
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 5% | 2% |
| Phone & internet | 5% | 2% |
| Travel | 1% | 3% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $684 | $954 |
| Points type | Pools with Chase → transferable | 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 Ink Business Cash® earns about $684 a year in rewards and the Marriott Bonvoy Brilliant® about $954, valuing every point at a flat 1 cent. The Ink Business Cash® has no annual fee, so its rewards are all profit. The Marriott Bonvoy Brilliant® charges $650, but carries about $335 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Ink Business Cash® delivers more total value, about $212 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies and phone & internet. The bigger difference is the ceiling: the Ink Business Cash® earns points you can move to travel partners for outsized value, while the Marriott Bonvoy Brilliant® stays locked to a single airline or hotel program. Favor the Ink Business Cash® if you will use travel transfers, the Marriott Bonvoy Brilliant® if you want simplicity. On the sign-up bonus, the Marriott Bonvoy Brilliant® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet. Pick the Marriott Bonvoy Brilliant® if your spending leans toward advertising, shipping, travel.