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Side-by-side

Marriott Bonvoy Business American Express Card vs Mastercard Titanium Card

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the Mastercard Titanium Card from Barclays (Luxury Card) at $299/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 ($1,800 more in estimated value) than the Mastercard Titanium Card's. Get the Marriott Bonvoy Business American Express Card first; revisit the Mastercard Titanium Card after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardMastercard Titanium Card
Annual fee$125$299
Sign-up bonus150,000 points + $125 statement creditNo public welcome bonus
Bonus value (est.)$1,800$0
Min spend to unlock bonus$8,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressBarclays (Luxury Card)
Card categoryhoteltravel
Best earning category (Marriott)6x1x
Transfer partnersNoneNone
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · 150,000 points + $125 statement credit
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus

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: Mastercard Titanium Card

The entry tier of the Barclays Luxury Card lineup. The $299 AF buys Priority Pass Select and a real metal card, but earning is weak (1x base, 2x on Luxury Card Travel bookings) and the cash-back redemption rate is only 1 cent per point. Better only as a status-and-lounge play for people who do not want to carry a Sapphire Reserve or Venture X.

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Mastercard Titanium Card?
The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus No public welcome bonus (~$0) on the Mastercard Titanium Card.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Mastercard Titanium 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 Mastercard Titanium Card's, pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy Business American Express Card and Mastercard Titanium Card?
Yes, since they're from different issuers (American Express and Barclays (Luxury Card)) 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 Mastercard Titanium Card 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. Mastercard Titanium Card: $0 in 0 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.