Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Marriott Bonvoy Business American Express Card vs Capital One Savor

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the Capital One Savor from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Marriott Bonvoy Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,550 more in estimated value) than the Capital One Savor's. Get the Marriott Bonvoy Business American Express Card first; revisit the Capital One Savor after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardCapital One Savor
Annual fee$125$0
Sign-up bonus150,000 points + $125 statement credit$250 cash back
Bonus value (est.)$1,800$250
Min spend to unlock bonus$8,000 in 6 mo$500 in 3 mo
IssuerAmerican ExpressCapital One
Card categoryhotelcashback
Best earning category (Marriott)6x1x
Transfer partnersNoneNone
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • 3% dining + entertainment
  • 3% grocery + streaming
  • No annual fee
  • No foreign tx fees
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · 150,000 points + $125 statement credit
Read the full review
Capital One Savor
$0/yr · $250 cash back

Editorial take: Marriott Bonvoy Business American Express Card

The Marriott business card pulls its weight on the annual Free Night cert alone, a 35k cat-property is routinely $250-400/night cash. Add 15 elite night credits and the dining stipend and the $125 fee is easy.

Editorial take: Capital One Savor

If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Capital One Savor?
The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus $250 cash back (~$250) on the Capital One Savor.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Capital One Savor?
At $125/yr, the Marriott Bonvoy Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Savor's, pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy Business American Express Card and Capital One Savor?
Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Marriott Bonvoy Business American Express Card or the Capital One Savor first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Business American Express Card: $8,000 spend in 6 months. Capital One Savor: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.