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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred American Express Marriott Bonvoy Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Cash Preferred

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
—
Min spend
$3,000 / 6mo

Top earning rates

  • 6×U.S. supermarkets
  • 6×Select U.S. streaming subscriptions
  • 3×Gas at U.S. gas stations
  • 3×Transit

Key benefits

  • $120 Disney Streaming Credit · $10
  • Global Assist® Hotline · $0
  • Purchase Protection · $0
  • American Express Venue Collection · $0
  • Amex Special Ticket Access · $0
Full American Express Blue Cash Preferred review

American Express

Marriott Bonvoy Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy®
  • 4×Restaurants worldwide
  • 4×Standalone U.S. gas stations
  • 2×All other eligible purchases

Key benefits

  • Additional Free Night Award (Spend Tier) · $263
  • Annual Free Night Award · $263
  • American Express Venue Collection · $250
  • Amex Event Perks · $0
  • Amex Special Ticket Access · $0
Full American Express Marriott Bonvoy Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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