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Marriott Bonvoy Business American Express Card vs Capital One Spark Miles for Business

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/yr; the Capital One Spark Miles for Business from Capital One at $95/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 ($600 more in estimated value) than the Capital One Spark Miles for Business's. Get the Marriott Bonvoy Business American Express Card first; revisit the Capital One Spark Miles for Business after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardCapital One Spark Miles for Business
Annual fee$125$95
Sign-up bonus3 free nights50,000 miles
Bonus value (est.)$1,500$900
Min spend to unlock bonus$6,000 in 6 mo$4,500 in 3 mo
IssuerAmerican ExpressCapital One
Card categoryhotelbusiness
Best earning category (Marriott)6x1x
Transfer partnersmarriott-bonvoycapital-one
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • 2x on everything
  • Transfers to 15+ partners
  • No FX fees
  • Global Entry credit
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · 3 free nights
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 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: Capital One Spark Miles for Business

The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.

Common questions

Which card has the bigger sign-up bonus, Marriott Bonvoy Business American Express Card or Capital One Spark Miles for Business?
The Marriott Bonvoy Business American Express Card has the bigger bonus — 3 free nights, worth roughly $1,500, versus 50,000 miles (~$900) on the Capital One Spark Miles for Business.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Capital One Spark Miles for Business?
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 Capital One Spark Miles for Business's — pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy Business American Express Card and Capital One Spark Miles for Business?
Yes, since they're from different issuers (American Express and Capital One) 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 Capital One Spark Miles for Business 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. Capital One Spark Miles for Business: $4,500 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.