Marriott Bonvoy Bold® vs Marriott Bonvoy Business® American Express® Card
Side-by-side comparison
| Marriott Bonvoy Bold® | Marriott Bonvoy Business® American Express® Card | |
|---|---|---|
| Annual fee | No annual fee | $125 |
| Welcome offer | ||
| Advertising | 2% | 2% |
| Shipping | 2% | 4% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 4% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $948 | $1,092 |
| Points type | Locked to Marriott Bonvoy | 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 Marriott Bonvoy Bold® earns about $948 a year in rewards and the Marriott Bonvoy Business® American Express® Card about $1,092, valuing every point at a flat 1 cent. The Marriott Bonvoy Bold® has no annual fee, so its rewards are all profit. The Marriott Bonvoy Business® American Express® Card charges $125, which you clear through its rewards and perks. The two are close on value, but the Marriott Bonvoy Business® American Express® Card edges ahead by about $19 a year, mostly because it earns more where you spend most, on shipping and phone & internet. 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 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 Marriott Bonvoy Business® American Express® Card if your spending leans toward shipping, phone & internet.