Marriott Bonvoy Business® American Express® Card vs PayPal Cashback Mastercard
Side-by-side comparison
| Marriott Bonvoy Business® American Express® Card | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | $125 | No annual fee |
| Welcome offer | 150,000 points | No current offer |
| Advertising | 2% | 1.5% |
| Shipping | 4% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 4% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $1,092 | $675 |
| Points type | Locked to Marriott Bonvoy | Cash back only |
| Network | Amex | Mastercard |
*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 Business® American Express® Card earns about $1,092 a year in rewards and the PayPal Cashback Mastercard about $675, valuing every point at a flat 1 cent. The Marriott Bonvoy Business® American Express® Card charges $125, which you clear through its rewards and perks. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Marriott Bonvoy Business® American Express® Card delivers more total value, about $292 a year more for a typical spender, mostly because it earns more where you spend most, on shipping and everything else. 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.