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Compare the Features and Benefits of Marriott Bonvoy Business® American Express® Card and
United Club℠ Infinite 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
Grants Hotel Status
Trip Protections
No Foreign Transaction Fees
No Fees for Authorized Users
Extended Warranty
Purchase Protection
Free Annual Hotel Night
Earns Transferable Points
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
Airport Lounge Access
Free Checked Bags
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Annual Statement Credits
Return Protection
Priority Boarding
Concierge Services
Free Access to Credit Score
Metal Card
Annual Fee
$125 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
19.99%-28.99% (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 All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
LIMITED TIME OFFER: Earn 125,000 Marriott Bonvoy® Points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 03/12/2025.
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
Grants Hotel Status
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Extended Warranty
yes
Purchase Protection
yes
Free Annual Hotel Night
yes
Earns Transferable Points
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes
Airport Lounge Access
no
Free Checked Bags
no
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Annual Statement Credits
no
Return Protection
no
Priority Boarding
no
Concierge Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$525
Avg. Min. Credit Score
800-850
Ongoing APR
20.99%-27.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
4x Airfare
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) 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

The United Club Infinite Card is a surprisingly robust offering from United Airlines and Chase.

The primary reason to get this card is because you fly United enough that you would like to have United Club lounge access for all of your flights.

The average person will save $125 by gaining United Club access via this credit card than by buying it directly. Even United 1K members come out $25 ahead. Why would anyone buy United Club access directly when it’s cheaper to pay a lower annual fee on the credit card?

By the way, the exact same thing applies to the Citi® / AAdvantage® Executive World Elite MasterCard® and as well as the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Credit Card. The Delta cards even offer American Express Centurion Lounge access when flying Delta, although they also have a limit on lounge visits per year.

You also have the ability to earn the most Premier Qualifying Points towards United elite status of any of the United credit cards. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.

Now, sure, outside of 4X miles per dollar spent on United purchases, the earn rate on other categories aren’t particularly strong. But the card’s features and benefits that we’ve described above that come on top of the United Club lounge access are incredibly compelling.

To recap, those benefits include:

  • United Club lounge access
  • First and second free checked bags
  • Receive 25% Back on United inflight and Club Premium Drink Purchases
  • Earn up to 15,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases)
  • 10% Saver Award Flight Discount
  • Expanded Award Availability
  • Premier Upgrades on Award Tickets
  • Premier Access including priority check in and priority boarding
  • Return Protection for Items a Store Won’t Take Back + Extended Warranty and Purchase Protection
  • Access to The Luxury Hotel & Resort Collection
  • Primary Car Rental CDW Insurance
  • Global Entry / TSA PreCheck / NEXUS Reimbursement as a Statement Credit
  • IHG Platinum Status
  • Top Tier Avis President’s Club status

lounge-access-united-club-credit-card

That’s not all of the card features, but it sure is enough to see that the value you are getting for that annual fee is pretty amazing.

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

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