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Marriott Bonvoy Business American Express Card vs United Business Card

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the United Business Card from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureMarriott Bonvoy Business American Express CardUnited Business Card
Annual fee$125$99
Sign-up bonus3 free nights75,000 miles
Bonus value (est.)$1,500$1,050
Min spend to unlock bonus$6,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhotelbusiness
Best earning category (Marriott)6x1x
Transfer partnersmarriott-bonvoymileageplus
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • $100 credit after $10k spend
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · 3 free nights
Read the full review
United Business Card
$99/yr · 75,000 miles

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 Business Card

Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or United Business Card?
The Marriott Bonvoy Business American Express Card has the bigger bonus — 3 free nights, worth roughly $1,500, versus 75,000 miles (~$1,050) on the United Business Card.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the United 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 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 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 Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Business American Express Card: $6,000 spend in 6 months. United 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.