Marriott Bonvoy Business® American Express® Card vs Capital One Spark Cash Select
Side-by-side comparison
| Marriott Bonvoy Business® American Express® Card | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | $125 | No annual fee |
| Welcome offer | $750 cash back | |
| 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 | Pools with Capital One → transferable |
| 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 Capital One Spark Cash Select 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 Capital One Spark Cash Select 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. The bigger difference is the ceiling: the Capital One Spark Cash Select earns points you can move to travel partners for outsized value, while the Marriott Bonvoy Business® American Express® Card stays locked to a single airline or hotel program. Favor the Capital One Spark Cash Select if you will use travel transfers, the Marriott Bonvoy Business® American Express® Card if you want simplicity. 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 advertising, shipping, office supplies.