Marriott Bonvoy Business® American Express® Card vs Robinhood Gold Card
Side-by-side comparison
| Marriott Bonvoy Business® American Express® Card | Robinhood Gold Card | |
|---|---|---|
| Annual fee | $125 | $50 |
| Welcome offer | 3% cash back on every purchase from day one | |
| Advertising | 2% | 3% |
| Shipping | 4% | 3% |
| Office supplies | 2% | 3% |
| Phone & internet | 4% | 3% |
| Travel | 2% | 3% |
| Everything else | 2% | 3% |
| Est. yearly rewards* | $1,092 | $1,350 |
| Points type | Locked to Marriott Bonvoy | Cash back only |
| Network | Amex | 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 Business® American Express® Card earns about $1,092 a year in rewards and the Robinhood Gold Card about $1,350, 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 Robinhood Gold Card charges $50, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Robinhood Gold Card delivers more total value, about $333 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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. Pick the Robinhood Gold Card if your spending leans toward advertising, office supplies, travel.