Marriott Bonvoy Bold® vs Capital One Venture X Business
Side-by-side comparison
| Marriott Bonvoy Bold® | Capital One Venture X Business | |
|---|---|---|
| Annual fee | No annual fee | $395 |
| Welcome offer | 150,000 Miles | |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $948 | $900 |
| Points type | Locked to Marriott Bonvoy | Transfers to airlines & hotels |
| Network | Visa | Visa |
*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 Capital One Venture X Business about $900, valuing every point at a flat 1 cent. The Marriott Bonvoy Bold® has no annual fee, so its rewards are all profit. The Capital One Venture X Business charges $395, but carries about $520 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Marriott Bonvoy Bold® delivers more total value, about $183 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Capital One Venture X Business earns points you can move to travel partners for outsized value, while the Marriott Bonvoy Bold® stays locked to a single airline or hotel program. Favor the Capital One Venture X Business if you will use travel transfers, the Marriott Bonvoy Bold® if you want simplicity. On the sign-up bonus, the Capital One Venture X Business currently has the larger welcome offer. Note that Marriott Bonvoy Bold® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.