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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Business American Express Platinum

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

Lower annual fee: American Express Marriott Bonvoy Business

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

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Prepaid hotels (AmexTravel.com) · Membership Rewards
  • 5×Flights · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • $219 CLEAR+ Credit · $219
Full American Express Platinum 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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