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Marriott Bonvoy Business American Express Card vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 ($1,800 more in estimated value) than the Petal 2 Cash Back, No Fees Visa's. Get the Marriott Bonvoy Business American Express Card first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardPetal 2 Cash Back, No Fees Visa
Annual fee$125$0
Sign-up bonus150,000 points + $125 statement creditNone
Bonus value (est.)$1,800$0
Min spend to unlock bonus$8,000 in 6 mo$0 in 0 mo
IssuerAmerican ExpressPetal
Card categoryhotelcredit-builder
Best earning category (Marriott)6x1x
Transfer partnersNoneNone
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
    Read the full review
    Marriott Bonvoy Business American Express Card
    $125/yr · 150,000 points + $125 statement credit
    Read the full review
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Petal 2 Cash Back, No Fees Visa?
    The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa's, pick the one whose perks you'll actually use.
    Can I have both the Marriott Bonvoy Business American Express Card and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (American Express and Petal) 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 Petal 2 Cash Back, No Fees Visa 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. Petal 2 Cash Back, No Fees Visa: $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.