Bank of America® Business Advantage Customized Cash Rewards Mastercard® vs Marriott Bonvoy Business® American Express® Card

Bank of America® Business Advantage Customized Cash Rewards Mastercard®Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Bank of America

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

American Express

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Annual Fee
No Annual Fee
$125
Card Type
Business
Business
Rewards Currency
Cash Back
Marriott Bonvoy Points
Point Value
1.00¢/pt
0.70¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
$200 after $1,000 in 90 days
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Effective return by category

CategoryBank of America® Business Advantage Customized Cash Rewards Mastercard®Marriott Bonvoy Business® American Express® Card
Gas Stations3.00%
3x · $50,000 cap
2.80%
4x
EV Charging3.00%
3x · $50,000 cap
1.40%
2x
Office Supplies3.00%
3x · $50,000 cap
1.40%
2x
Travel3.00%
3x · $50,000 cap
1.40%
2x
Business Services3.00%
3x · $50,000 cap
1.40%
2x
Phone & Wireless3.00%
3x · $50,000 cap
2.80%
4x
Dining & Restaurants2.00%
2x · $50,000 cap
2.80%
4x
Everything else1.00%
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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