Marriott Bonvoy Bold Credit Card vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Bold Credit Card or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 200,000 points, worth roughly $3,460, versus 45,000 points (~$356) on the Marriott Bonvoy Bold Credit Card.

Is the Marriott Bonvoy Bold Credit Card's $0 annual fee worth it compared to the Sapphire Reserve for Business?

The Marriott Bonvoy Bold Credit Card has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Marriott Bonvoy Bold Credit Card.

Can I have both the Marriott Bonvoy Bold Credit Card and Sapphire Reserve for Business?

Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Bold Credit Card or the Sapphire Reserve for Business first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Bold Credit Card: $1,000 spend in 3 months. Sapphire Reserve for Business: $30,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.