Beta

Every feature is free during beta. No credit card, no catch.

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

Marriott Bonvoy Business American Express Card vs United Club Business Card

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($512 more in estimated value) than the Marriott Bonvoy Business American Express Card's. Get the United Club Business Card first; revisit the Marriott Bonvoy Business American Express Card after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardUnited Club Business Card
Annual fee$125$695
Sign-up bonusup to 125,000 points100,000 miles + 2,000 PQP
Bonus value (est.)$988$1,500
Min spend to unlock bonus$9,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhotelbusiness
Best earning category (Marriott)6x1x
Transfer partnersNoneNone
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · up to 125,000 points
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

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: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or United Club Business Card?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, 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 United Club Business Card?
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 United Club Business Card's, pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy Business American Express Card and United Club Business Card?
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 United Club Business Card 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. United Club Business Card: $5,000 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.

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.