American Express® Business Gold Card vs Marriott Bonvoy Business® American Express® Card

American Express® Business Gold CardAmerican Express® Business Gold Card

American Express

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Marriott Bonvoy Business® American Express® CardMarriott Bonvoy Business® American Express® Card

American Express

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Annual Fee
$375
$125
Card Type
Business
Business
Rewards Currency
Membership Rewards
Marriott Bonvoy Points
Point Value
2.00¢/pt
0.70¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
100,000 Membership Rewards after $15,000 in 90 days
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Effective return by category

CategoryAmerican Express® Business Gold CardMarriott Bonvoy Business® American Express® Card
Dining & Restaurants8.00%
4x · $150,000 cap
2.80%
4x
Gas Stations8.00%
4x · $150,000 cap
2.80%
4x
Phone & Wireless8.00%
4x · $150,000 cap
2.80%
4x
Online Advertising8.00%
4x · $150,000 cap
1.40%
2x
Food Delivery8.00%
4x · $150,000 cap
1.40%
2x
Transit & Rideshare8.00%
4x · $150,000 cap
1.40%
2x
Everything else2.00%
1x
1.40%
2x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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