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Marriott Bonvoy Business American Express Card vs Chase Ink Business Unlimited

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

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureMarriott Bonvoy Business American Express CardChase Ink Business Unlimited
Annual fee$125$0
Sign-up bonusup to 125,000 points$1,000 bonus cash back
Bonus value (est.)$988$1,000
Min spend to unlock bonus$9,000 in 6 mo$8,000 in 4 mo
IssuerAmerican ExpressChase
Card categoryhotelbusiness
Best earning category (Marriott)6x1x
Transfer partnersNonechase-ur
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • 1.5% on everything
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · up to 125,000 points
Read the full review
Chase Ink Business Unlimited
$0/yr · $1,000 bonus 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: Chase Ink Business Unlimited

The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase labels its best offer ever (issuer-verified 2026-07-18).

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Chase Ink Business Unlimited?
The Chase Ink Business Unlimited has the bigger bonus, $1,000 bonus cash back, worth roughly $1,000, versus up to 125,000 points (~$988) on the Marriott Bonvoy Business American Express Card.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Chase Ink Business Unlimited?
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 Chase Ink Business Unlimited's, pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy Business American Express Card and Chase Ink Business Unlimited?
Yes, since they're from different issuers (American Express and Chase) 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 Chase Ink Business Unlimited first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Business American Express Card: $9,000 spend in 6 months. Chase Ink Business Unlimited: $8,000 in 4 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.