Marriott Bonvoy Business American Express Card vs Sephora Visa Credit Card

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Sephora Visa Credit Card?

The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.

Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Sephora Visa Credit 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 Sephora Visa Credit Card's, pick the one whose perks you'll actually use.

Can I have both the Marriott Bonvoy Business American Express Card and Sephora Visa Credit Card?

Yes, since they're from different issuers (American Express and Comenity) 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 Sephora Visa Credit 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. Sephora Visa Credit 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.