Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Spark Cash vs Marriott Bonvoy Bold® Credit Card
This comparison aims to help you decide between the Capital One Spark Cash and the Marriott Bonvoy Bold® Credit Card. Each card offers unique features tailored to different spending habits and financial goals.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses looking to earn consistent cash back on every purchase. With its straightforward rewards structure and no foreign transaction fees, it’s an excellent choice for business owners who travel or spend frequently.
Marriott Bonvoy Bold® Credit Card
The Marriott Bonvoy Bold® Credit Card offers a rewards program that caters to frequent travelers and Marriott hotel guests. With no annual fee and a robust points system for hotel stays, it's ideal for those who regularly stay at Marriott properties and want to maximize their travel rewards.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Marriott Bonvoy Bold® Credit Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $0 |
| Welcome Bonus | $750 cash back after spending $7,500 in first 3 months | 30,000 Bonus Points after spending $1,000 in first 3 months |
| Rewards Structure | 2% cash back on every purchase | Up to 14X points at Marriott hotels; 2X at select categories; 1X on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None stated | None stated |
| Additional Benefits | Free employee cards; rewards don’t expire | Pay Yourself Back® feature; monthly payment options for travel purchases |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Marriott Bonvoy Bold® Credit Card
- Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
Pros and Cons
Capital One Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases
- Generous welcome bonus
- No foreign transaction fees
- Free employee cards
- Cons:
- $95 annual fee after the first year
- Higher spending requirement for welcome bonus
Marriott Bonvoy Bold® Credit Card
- Pros:
- No annual fee
- Great rewards for Marriott stays
- Generous welcome bonus
- Flexible redemption options with Pay Yourself Back® feature
- Cons:
- Lower cash back on non-Marriott purchases
- Limited to Marriott Bonvoy® travel benefits
Who Should Consider Which Card?
The Capital One Spark Cash is ideal for business owners or individuals who want to earn cash back on every purchase without worrying about category restrictions. If you frequently travel and want to maximize rewards at hotels, the Marriott Bonvoy Bold® Credit Card is a better fit, especially if you regularly stay at Marriott properties.
Conclusion
Both the Capital One Spark Cash and the Marriott Bonvoy Bold® Credit Card offer unique benefits tailored to different user needs. Consider your spending patterns, travel habits, and preferred rewards structure to make the best choice for your financial goals.