All cards

Marriott Bonvoy Business

American Express - Amex

Annual fee

$125

General spend

0.8%

Welcome bonus

$315 worth

What it pays

Shipping1.7%
Dining1.7%
Phone & Internet1.7%
Gas & Fuel1.7%
Everything else0.8%

Rates are the return per dollar. Points are valued at a conservative cents-per-point rate, so this card can be compared directly with cash back cards.

Before you apply

Typically needs good credit.

Amex welcome bonus is limited to once per card, per lifetime.

Whether this card is worth its fee depends on your spend. The audit checks it against your own statement in a few minutes.

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