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Compare the Features and Benefits of Marriott Bonvoy Bevy™ American Express® Card and
Chase Ink Business Cash® Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
Unique Card Benefits
Grants Hotel Status
Earns Transferable Points
Secondary Car Rental CDW Waiver
Trip Protections
Free Access to Credit Score
Amex Offers
0% Intro APR on Purchases
Primary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
No Fees for Authorized Users
Annual Fee
$250 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
6x Hotels

Earn 6X points when staying at a Marriott Bonvoy participating hotel booked directly through Marriott or the hotel; else earn 2X

4x Dining Out / Food Delivery
4x Groceries

U.S. Supermarkets only. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

2x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn 155,000 Marriott Bonvoy points after spending $5,000 in eligible purchases on your Card within the first six months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.78) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you’re on the hunt for a Marriott credit card, the Marriott Bonvoy Bevy American Express Card is a relatively newcomer to the family of Marriott cards. Issued by American Express, this card debuted in 2022 and offers a middle ground for Marriott loyalists who are looking for solid perks without paying up an annual fee as high as $700, as with some other premium cards.

Instead, the Marriott Bonvoy Bevy card comes with a $250 annual fee. And with that, you’ll get automatic Gold elite status just by being a cardholder. Normally requiring 25 elite nights per night, carrying the Marriott Bonvoy Bevy card is one of the ways to bypass this threshold. As such, you’ll get 2 p.m. late checkout (based on availability), 25% bonus points at Marriott properties, and enhanced room upgrades upon availability. However, even Gold elite status leaves a bit to be desired, as it doesn’t come with complimentary breakfast, suite upgrades, or a guaranteed late checkout benefit.

Bonvoy Bevy

Outside of elite status, the Bevy card offers 1,000 bonus points per paid eligible stay at properties participating in Marriott Bonvoy and earns 6x bonus points per dollar on eligible Marriott Bonvoy hotels. You can also earn 4x bonus points per dollar on restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, on up to the first $15,000 spent per year combined. That’s a potential of earning 60,000 bonus points on those two bonus categories alone, and you’ll earn 2x points after this limit and all other eligible purchases.

Another incentive to keep the card and pay the ongoing annual fees is the potential to earn a free night award, with a redemption value of up to 50,000 points. This certificate is actually much better than the one that comes on the Marriott Bonvoy Boundless Credit Card, as its redemption value is capped at 35,000 points per night. Unfortunately, the major downside is that you have to spend at least $15,000 on the card per year to earn it, which breaks down to $1,250 in monthly spending.

In estimated monetary value, we calculate that Marriott Bonvoy points are worth about 0.6 cents each. That means you can achieve around $300 in value from the Bevy free night award if you can meet the spending requirements, which can easily wipe out the $250 annual fee before considering all the other perks.

Lastly, the Marriott Bonvoy Bevy American Express card makes for a solid travel card with no foreign transaction fees (see rates & fees), trip delay reimbursement, baggage insurance and more. However, you may want to look for a credit card with primary rental car insurance, as the Bevy only provides secondary coverage for theft and damage.

 

Rates and fees for the Marriott Bonvoy Bevy™ American Express® Card

Read more
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Unique Card Benefits
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Free Access to Credit Score
yes
Amex Offers
yes
0% Intro APR on Purchases
no
Primary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
No Fees for Authorized Users
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Lyft
2x Gas Stations
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

For most small business owners, it makes sense to have all three Chase Ink credit cards: this card, the Chase Ink Business Cash® Credit Card, the Chase Ink Preferred®, and the Chase Ink Unlimited®.

They all complement each other perfectly. Once you have a the Chase Ink Preferred®, which allows you to transfer points to Chase’s great lineup of airline and hotel partners like World of Hyatt, you will want to get the Ink Cash and Ink Unlimited to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

The Ink Cash is a truly amazing card when it comes to bonus multipliers on select business categories. With 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year plus 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, you have tremendous bonus category multipliers on a no annual fee card.

restaurants-chase-ink-business-cash-credit-card

But the most important thing to know is that although this card says you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card.

Either way, you are earning Chase Ultimate Rewards points. But without one of the above cards, you can only redeem your points for 1 cent per point. Once you do have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card in your arsenal, though, you’ll be able to move your points from your Ink Cash to any of those three cards, where you can either transfer to airline and hotel partner programs or redeem through the Chase Ultimate Rewards portal where your points are worth 1.25 – 1.5 cents each, depending on which card you have. The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the much higher annual fee Sapphire Reserve gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

Even if you don’t “combo” your Ink Cash, those 5% and 2% bonus categories are exceptionally strong for business spending on a business credit card with no annual fees. And that large signup bonus doesn’t hurt either!

Overall, the Chase Ink Cash is one of my very favorite cards. I charge my cable, internet, and phone to the card and use it often at office supply stores, which sell a wide array of goods. I also use it for gas stations and dining as I like racking up Chase Ultimate Rewards points at a 2X bonus rate.

But keep in mind that it is at its most powerful when paired with a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card. To show you the difference, you know cash back means each point is worth a penny. But when you have it paired with one of these other cards to unlock points transfers, we value those points at 1.75 cents a piece – due to the flexibility of transfer partners and the potential redemptions those programs offer. So pairing your card boosts the rewards value, in our humble opinion, by 75%.

When using our spend calculator on this card, you’ll notice that we ask if you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card and, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a business card.

Read more
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Unique Card Benefits
no
Grants Hotel Status
no
Earns Transferable Points
no
Secondary Car Rental CDW Waiver
no
Trip Protections
no
Free Access to Credit Score
no
Amex Offers
no
0% Intro APR on Purchases
yes
Primary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes

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