Marriott Bonvoy Business American Express Card vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 150,000 points + $125 statement credit (~$1,800) 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 Sapphire Reserve for Business?

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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.

Can I have both the Marriott Bonvoy Business American Express Card and Sapphire Reserve for Business?

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 Sapphire Reserve for Business 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. Sapphire Reserve for Business: $20,000 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.