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VS

Compare the Features and Benefits of Marriott Bonvoy Business® American Express® Card and
Delta SkyMiles® Reserve American Express Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Secondary Car Rental CDW Waiver
No Foreign Transaction Fees
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
Amex Offers
Grants Hotel Status
Free Annual Hotel Night
Earns Transferable Points
No Fees for Authorized Users
Does Not Report Credit Line to Personal Credit Profile
Airport Lounge Access
Annual Statement Credits
Free Checked Bags
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Cell Phone Protection
Return Protection
Concierge Services
Metal Card
Free Access to Credit Score
Annual Fee
$125 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
6x Hotels

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

4x Gas Stations

At U.S. gas stations

4x Cellular Phone Service

With U.S. Cellular Providers

4x Dining Out / Food Delivery

Worldwide

4x Shipping

With U.S. Shipping companies

2x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) 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 a business owner with a Marriott Bonvoy member account, there’s only one Marriott credit card that can deliver all the benefits you’re looking for. For Marriott perks galore, the Marriott Bonvoy Business Card is a stellar option. Better yet, its annual fee that pays itself for many small business owners who can take full advantage of the benefits offered by the card – especially that annual free night.

Let’s talk about how cardholders can earn and redeem Marriott Bonvoy points with the card. You’ll earn 6x points on eligible purchases at hotels participating in Marriott Bonvoy, and fortunately, there are more than 8,500 (and growing!) properties worldwide. The Bonvoy Business is one of our favorite business credit cards for small business owners that lean into Marriott for hotel stays.

hotels-marriott-bonvoy-business-american-express-card

You’ll also earn 4x bonus points per dollar of eligible purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2x points on all non-bonus purchases. To tie it all together, there are no caps to the number of points you can earn from the card.

Marriott Bonvoy points are still incredibly versatile, as no other hotel chain can boast the sheer number of properties that participate in this loyalty program. Besides redeeming your Marriott Bonvoy points at hotels, you also have the flexibility to transfer them to participating airline loyalty programs and directly for eligible airfare and car rentals through Marriott’s unique Air+Car Transfer program.

Even if you decide to pay for your stay on your own accord, this business credit card unlocks a 7% room discount at participating properties. This can amount to significant savings depending on how often you’re staying at Marriott hotels.

What really makes this Marriott credit card stand out from the rest is the free nights you can earn with the card (though certain hotels have resort fees). With your card membership, you’ll pay the annual fee on every account anniversary, and in the following month you’ll receive a Marriott free night award. This has a redemption value of 35,000 points, or roughly $210 in value at hotels participating in this loyalty program. Plus, you can add on up to 15,000 of your own points if you’d like to use the certificate at a hotel costing between 25,000 and 50,000 points for the night.

You’ll get the chance to earn an additional free night award if you’re a high-roller and can meet the $60,000+ spend threshold per calendar year, and this is certainly doable for businesses with many expenses.

On site at Marriott hotels and resorts, you’ll be rewarded even further with automatic Gold elite status. You’ll earn 25% more Marriott points as a Gold member (on top of the card’s 6X earning rate!), as well as access to 2 p.m. late checkout (based on availability) and room upgrades. Finally, you’ll get premium room internet access, making sure you stay connected no matter where you’re traveling.

In sum, this long-list of perks makes it one of our favorite hotel business credit cards, as earning Marriott Bonvoy points can be easier than ever from your routine business expenses.

Marriott Bonvoy Business® American Express® Card Eligibility Rules

Note: There are some confusing eligibility rules around this card. If you have the Bonvoy American Express card, Ritz Carlton Card, Marriott Bonvoy Bevy® American Express® Card, or the Marriott Bonvoy Brilliant® American Express® Card, you are free to apply for this card.

If you have a Chase Marriott Boundless, Chase Bonvoy Bold, or Chase Bonvoy Bountiful, you will only be  eligible to apply for this card if it’s been more than 24 months since you received the bonus on that card.

Rates and Fees for the Marriott Bonvoy Business® American Express® Card

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Amex Offers
yes
Grants Hotel Status
yes
Free Annual Hotel Night
yes
Earns Transferable Points
yes
No Fees for Authorized Users
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Airport Lounge Access
no
Annual Statement Credits
no
Free Checked Bags
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Cell Phone Protection
no
Return Protection
no
Concierge Services
no
Metal Card
no
Free Access to Credit Score
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.68) 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

There are many reasons why frequent Delta flyers look toward the carrier’s top product: the Delta Reserve card with a $650 annual fee. This rewards card provides outstanding benefits when you’re flying Delta, but be prepared to pay a pretty penny.

First and foremost, you can get complimentary access to the Delta Sky Club, The Centurion Lounge, or Escape Lounge locations when presenting a same-day boarding pass with Delta Air Lines, giving you ample space to rest up, grab a meal or a drink, and get work done in the airport. While guest access isn’t included, you can bring up to two guests for a $50 per-person rate, or you can cash in your two guest passes that you’ll be awarded every card membership year.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

family, hike, travel

The annual companion certificate can also save you hundreds of dollars on Delta flights, as it’s eligible for round trip domestic, Caribbean, or Central American roundtrip flights in any class of service including First Class.

You’ll just need to pay the government imposed taxes and fees of less than $80 for domestic and $250 for international round trips — a steal for a second ticket on Delta Air Lines.

Furthermore, Delta SkyMiles Reserve cardholders receive unmatched status boost benefits for those who can meet the certain benchmarks.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns $1 MQD (Medallion Qualifying Dollars) for every $10 spent on eligible purchases with your Card – plus a $2,500 MQD boost each calendar year just for holding the Card.

The Delta Reserve card is also popular for elites as it provides upgrade priority over other Medallion members at the same status tier. Two elite members may be on the same elite status level, but with the Delta Reserve credit card, you’ll get higher priority on the upgrade list — which can mean all the difference in a sea of elite members.

And you’ll also receive up to $560 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card (Enrollment Required) and up to $200 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

You may be thinking that the Delta Reserve card is only targeted for those chasing Delta’s frequent flyer status. However, you may be surprised to find that the Delta SkyMiles Reserve card is also a fantastic choice for those without status but who want elite-like benefits.

Case in point: you and up to eight companions on the same reservation can bring your first checked bag free. And you can still get access to complimentary seat upgrades, although you’ll be placed on the bottom of the list after Medallion members.

There’s a long list of benefits that also come with the Delta Reserve card, such as the statement credit for Global Entry/TSA PreCheck, 15% award discount when redeeming for SkyMiles flights and travel and purchase protection benefits.

Simply put: it’s a huge step-up for Delta loyalists.

Rates and Fees for the Delta SkyMiles® Reserve American Express Card

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Amex Offers
yes
Grants Hotel Status
no
Free Annual Hotel Night
no
Earns Transferable Points
no
No Fees for Authorized Users
no
Does Not Report Credit Line to Personal Credit Profile
no
Airport Lounge Access
yes
Annual Statement Credits
yes
Free Checked Bags
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
Return Protection
yes
Concierge Services
yes
Metal Card
yes
Free Access to Credit Score
yes

Learn more about these cards today

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