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CardCurator — Rewards Intelligence
Card Comparison

Marriott Bonvoy Business American Express Card vs The Ritz Carlton Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Marriott Bonvoy Business American Express Card card art
Marriott Bonvoy
Marriott Bonvoy Business American Express Card
American Express
More Info
The Ritz Carlton Card card art
Marriott Bonvoy
The Ritz Carlton Card
Chase
More Info
Annual Fee
$125/yr
$450/yr
Foreign Fees
None
None
Signup Bonus
See issuer
Spend $9,000 in 6 months
None
Top Earn Rates
  • Marriott Hotels 6x
  • Restaurants (U.S.) 4x
  • Gas Stations (U.S.) 4x
  • hotel brands around the world participating in Marriott Bonvoy 6x
  • dining, car rentals and airline purchases 3x
  • All Other Purchases 2x
Reward Type
miles
miles
Key Credits
None
  • Annual Travel Credit $300
  • Hotel Credit $100
Card Perks
None listed
  • The Ritz-Carlton Club Level
Transfer Partners
  • United MileagePlus
  • United MileagePlus
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Common Questions: Marriott Bonvoy Business American Express Card vs The Ritz Carlton Card

Is the Marriott Bonvoy Business American Express Card or The Ritz Carlton Card better for dining?

Marriott Bonvoy Business American Express Card earns 4x on dining; The Ritz Carlton Card earns 3x on dining. Marriott Bonvoy Business American Express Card wins for dining.

Which has the higher signup bonus in 2026?

Marriott Bonvoy Business American Express Card currently offers $1750 signup bonus (spend $9,000 in 6 months). The Ritz Carlton Card offers no current bonus. Marriott Bonvoy Business American Express Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Marriott Bonvoy Business American Express Card and the The Ritz Carlton Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Marriott Bonvoy Business American Express Card is from American Express and The Ritz Carlton Card is from Chase, so they're governed by separate bank policies.